<p>The answer to my question, according to this article <a href="http://sfgate.com/cgi-bin/article.cgi?f=/c/a/2006/03/16/STANFORD.TMP%5B/url%5D">http://sfgate.com/cgi-bin/article.cgi?f=/c/a/2006/03/16/STANFORD.TMP</a> is that yes, the "full aid" includes loans.</p>