My net price results for Northwestern and Vandy are also $0 with work-study, so what would I be paying for? I have an EFC of $0 because my income is below the poverty line. Barnard and USC would force me to take out a few loans, yes, but that’s ok. The plus to Barnard is that it’s associated with Columbia, which - thanks to the College of General Studies - has a very large non-traditional student population. So, I’d have many people my own age in the area.