<p>How did you calculate your EFC, FAFSA or the Profile? I’m not sure about the state schools, but Penn and NYU likely use the Profile, and schools that use it each have their own formula, so your EFC may vary from school to school. </p>
<p>While Penn meets full need, NYU is known to give relatively poor FA and gaps.</p>
<p>For the state schools, it will depend on whether you are an in-state or OOS student. UCB is not generous with OOS students, UVA is better.</p>
<p>You need to look at each school’s website, for instance Penn says:</p>
<p>[Penn</a> Admissions: Paying for a Penn Education](<a href=“http://www.admissionsug.upenn.edu/paying/]Penn”>http://www.admissionsug.upenn.edu/paying/)</p>
<p>"As part of that commitment, students from families with annual incomes of less than $100,000 who qualified for need-based aid will not have loans included as part of their financial aid package beginning in Fall 2008. In Fall 2009 this policy will extend to all families who qualify for need-based aid. "</p>