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<p>Your assumption is generally true for need based FA (although you don’t state your level of need, and even HYPS have their limits). However, between their generous FA and the high regard for these schools, many apply to these schools and transfer acceptance rates are very low, as sometransfer referred to earlier.</p>
<p>You should be considering your IS publics and schools where you might get merit aid, as xray recommends.</p>