Your kid can take $5500 in Direct Loans with the max subsidized being $3500.
So for any of the schools that offered you less than a total of $5500 in Direct Loans…you probably can bump it up to the $5500 with the remainder being unsubsidized (like Oberlin did ).
Re: Reed. They determined that you didn’t have sufficient need for a subsidized loan at their school.
At Haverford, you CAN ask for the additional $3000 in student loans…but they will be unsubsidized.
The only caveat…the schools can’t award you need based aid that will exceed the cost of attendance. BUT you can take the Direct Loan to pay the remainder of your family contribution.