<p>it has been posted here before thought I can’t find the source, but by definition, the schools counted as “meets full need” include the official gov loans only (Stafford and in some instances Perkins). So, they don’t meet 0 EFC with 40 K loans, though they might offer 40K PLUS loans for a family with a 40K EFC–in other words, to help with EFC, not to meet need.</p>