<p>If you look at USN&WR, it will tell you the average aid, and average breakdown between loans and grants for Rutgers. It sounds like you are out of state, as well which can be an issue as state schools tend to take of their own first. Unless there is something you have that the school really wants (high stats, special talent, etc), it is unlikely that you will get your EFC met, in my opinion. I have no idea how being Hawaiian and living in Hawaii will translate into extra exclusive scholarship opportunities, but if that is the case, and you have researched this to determine that situation, good for you. Hopefully, you get something that way.</p>