<p>It can happen. My daughter received WS her first year and WS and SEOG her 2nd then neither the following years (with a 0 EFC). Overall her aid has been good (all federal - the school does not offer any institutional need based aid) but I have been disappointed with the increasing loan levels in the final 2 years. (not a horrendous total, but not as low a final loan balance as I anticipated based on her first year aid).</p>