<p>TransferMoss – mom2 is cct, Umich WILL package those subsidized and unsub loans as part of your aid.</p>
<p>If you are not willing to accept $15,000 to $20,000 in debt, however, you should probably not bother applying for transfer.</p>
<p>Umich will often give grant money for the differential between the aid package and cost, AFTER including fed loans, but why should the school be the only one with skin in the game? Zero EFC does not mean free. Meeting need in-state means assisting a student to mitigate ACCESS to the school irrespective of socioeconomic status, but that doesn’t mean, nor should it, that a student isn’t be required to meet a modest cost or debt burden ;)</p>