“We award institutional, federal, and state grants plus $2,000 in student employment to meet your need as calculated by our office. No loan will be offered to meet any part of your demonstrated need. Federal loan eligibility for the student and parent is offered only as an option to cover the family’s contribution.”
That is W&L’s policy. They do not give out loans as financial aid. You can opt to take a couple thousand dollars a year in Federal loans, but that’s it. I’m not entirely sure what your case is, but I would talk to financial aid about your situation. If your family is truly middle class, with assets typical for your income, you should not be expected to take out any loans to pay for your education at W&L. Also, learn to be a little more respectful to people who are taking time off of their day to try to help you with your predicament.