<p>no, you only get an Unsubsidized loan if you have ‘need’ if your EFC > COA then you have no need.</p>
<p>I doubt that will be the case based on an AGI of 75 K</p>
<p>FWIW, the max part of the subsidized is 3500 and the other 2K would be Unsubsidized. that applies to those will need as well. Yes, your parents can apply for PLUS to meet the EFC, but that accrues interest from the beginning (not sure if they changed the rules about deferring payments, but interest definitely accrues from the time the loan is disbursed)</p>