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<p>The OP said they could fully fund the first three years of college. That being the case, they will NOT be offered SUBSIDIZED loans…which are for students with financial need. The OP will be offered only UNSUBSIDIZED loans. </p>
<p>And depending on their income level…that could very well be the case for the student’s senior year when they will have exhausted MOST of their savings. They still might NOT have financial need…and that is what gets you subsidized loans.</p>