@wis75, yes, I believe that even if a student qualifies for maximum need-based FA from the UCs, he/she would also need the maximum federal loans to fill the gap. At 5.5-6.5-7.5-7.5 per year, it would be hard to replace those loans with part-time work.
Some majors do give students the opportunity to make a lot of money at summer internships. Those students could probably fully fund their college educations all on their own, without loans, if they also qualified for maximum FA from a UC and if they worked a bit during the school year as well. This would be a fairly select group of students, however. And, of course, it’s not advisable to count on such income in advance when making college decisions.