My S was accepted and we attended a meet and greet with admissions staff locally at a hotel. I asked one of the admissions reps after the meeting about what appeared to be a mistake on their financial aid summary. He agreed it was a mistake and asked me to contact financial aid. There was only one direct staffers loan instead of the two listed. All 7 other schools we applied to listed both federal loans for a total of 5500 dollars. So when I questioned financial aid rep he had an immediate attitude. He wanted to know the name of the admissions rep that told me to call them. He said it is not an error and the guy should have known they only list one. When I pressed for an answer why he replied we don’t want our students graduating with too much federal debt. I was appalled. They are discouraging a guaranteed low interest, virtually no need to qualify loan so they can look good. They even advertise that 60% of their students graduate with no federal debt in one of their brochures. So, moral of the story I am getting from unc is you are going to have to take the good with the bad if your kid wants to go there.