<p>@TrinSF</p>
<p>Definitely covering <em>all</em> high need, essentially creating a list of financial safety schools that may be a match to a reach for kids with good stats, but include no loans as part of their package. My junior son will, and I hope many other high need students will use this list to narrow down where they will apply in the Fall, in order to avoid a situation where the child is accepted but offered loans to meet full need.</p>