For whatever reason, loans were not packaged. Looking at the award letter, this student can borrow $3,500 sub & $2,000 unsub loans. They weren’t awarded FWS but maybe could be eligible. I’m wondering if there might be an issue with the school’s computer awarding process. I would call first thing Monday to ask about the lack of loan & FWS in the award package. Note that there is a way to book an appointment if you would like to talk to someone at more length: SUNY Oswego - Financial Aid Individual Appointments.
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