<p>Anoel,
There's often a difference between "meeting your full need" and "offering a good financial aid package." Grants and merit scholarships are "free" money. Loans and work study are not - you have to either pay them back or earn the money. You want a financial aid package that is heavy on the free money, not the loans/work study.</p>
<p>Example: Both College A and College B offer you financial aid packages of $30,000. But College A's package is set up like this: $20,000 a year in loans, $6,000 a year in work study, and $4,000 in a grant or merit scholarship. College B's package is set up like this: $15,000 a year in a grant, $5,000 a year in work study, and $10,000 a year in loans. Obviously, College B's package is better - you will graduate with half the amount of loans and have to work less hours to make up work study.</p>
<p>OK, now consider this: The cost of attending a UC out of state is $39,000 a year (and goes up each year). That's in line with the most expensive private colleges in California, and actually more than some of the colleges on the list I gave you. But - here's the catch, the UC's tend to be more like College B in their financial aid packages for out of state students: they rely heavily on loans and work study with limited grant money. This is because out of state students are not eligible for the main form of grant for the UC's, the cal grant. There are university grants, but again, they are limited. The exception is if you are in the ball park in terms of grades and test scores for the limited merit money.</p>
<p>As I said, there are always exceptions to the rule, but for the most part, a mid-range student from out of state will usually get a better financial aid package from private colleges in Calif. than they will from a UC school. By better, I'm not talking about not meeting your full need, but about a package that costs you less over the four years.</p>
<p>Hope this helps clarify what I meant. I'm not saying don't consider the UC's --- just that if you need significant financial aid, I would not count on them offering you the best package, even if they do meet your full need.</p>