<p>Students without “need” CAN take out unsubsidized loans..I’m sure sue misread your posting. Total aid (need and non-need) cannot exceed total cost of attendance, though. At some schools, unsubsidized loans can even be used to replace the EFC. I have had MANY students with an EFC of 99,999 received unsubsidized loans, so I know it is possible.</p>