<p>So I'm applying for a renewal FAFSA and got to the question that asked whether I am interested in loans. So if I attend a college that meets 100% need and decide not to get loans, will the college meet the additional however much money I need to pay after EFC? Will this even work since taking loans will not affect my EFC?</p>
<p>This would not be likely. You will probably be left short whatever amount they would have offered in loans.</p>
<p>but what does it mean for colleges to meet 100% of need?</p>
<p>They will meet 100% of the need by their criteria. You cannot force them to meet 100% if you are not willing to take loans if they normally use them.</p>