<p>Yeah - although my Harvard financial aid was about the same as the rest of my offers (couple of hundred lower, in fact), they allowed me to split my loan/job amount - which basically meant less overall debt. Plus, all my other colleges were offering international students loans with high interest administered by banks, which only deferred interest for study. Harvard's International Student loan is administered by the financial office, with a good interest rate and no interest for your study period.</p>