<p>Uniform statistics across several sources reveal that on average, the University of North Carolina at Chapel Hill meets 100% of student need, while North Carolina State University meets 87%. I'm considering both of these schools, so I'm curious as to whether loans are included in the need met, or if that 100% and 87% are referring to gift money only. Please speak up if you know.</p>
<p>Thanks in advance!</p>
<p>See your other thread. Yes, they do include loans.</p>
<p>Did you check the web sites for both colleges? On the websites most colleges tell you what comprises their finanacial aid…the short answer is “yes” – most colleges, unless they specifically state otherwise use Federal Direct Loans to students in their finaid packages. Some colleges will show “Parent Plus” loans in the finaid summary, some colleges mention Parent Plus loans outside the Financial Aid summary paragraph.</p>
<p>That depends…UNC-Chapel Hill’s Carolina Covenant does not include loans, though they are available if the student needs to finance their EFC. Instead, they award a few thousand in work study, so I guess the loans could also be used if the student can’t work that much. IIRC, this applies if the student’s family income is less than 200% of federal poverty limit.</p>