<p>gibby, I know very well the guidelines and none of the links you offered has anything to do with what I refer to. You are missing my point. Demonstrated need for each student is determined by the individual university. The structure of the packages are not equal for all in the same university. No school guarantees that the fa package will be structured identical for every student, even if need/assets are identical. The ivies and other full need schools only guarantee that they will cover 100% of demonstrated need as the school calculates it, not as the family does. Lets say student A and student B both have demonstrated need of $30k in financial aid. That’s the only guarantee provided. That both students will ge $30k in aid. However, student A who is classified by admissions as tier 1 will get an all grant package, and student B who is tier 2 will get a mixture of grants and work study.</p>