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Student Aid: Meeting Need Without Loans

Which schools provide the most generous financial aid for students?

Many colleges and universities promise to meet 100% of a student’s demonstrated financial need with a combination of grants, work-study jobs, and loans.

While most schools include loans into their financial aid packages, some do not.

The Project on Student Debt publishes a list of colleges with financial aid programs that limit or eliminate student loans from financial aid packages, reducing costs for students and families.

Many of these institutions have specific nuances (e.g. state resident students only) described on the Student Debt Project website.

Colleges and universities which, at the time of publication, are thought to offer aid without loans to certain categories of students include:
Amherst College, Appalachian State University, Arizona State University, Bowdoin College, Brown University, California Institute of Technology, Claremont McKenna College, Colby College, College of William and Mary, Columbia University, Connecticut College, Cornell University, Dartmouth College, Davidson College, Duke University, Emory University, Georgia Institute of Technology, Harvard University, Haverford College Indiana University ( Bloomington), Lafayette College, Lehigh University, MIT, Michigan State University, North Carolina State University, Northwestern University, Oberlin College, Pomona College, Princeton University, Rice University, Stanford University,  Swarthmore College, Tufts University,  University of Arizona, University of California, University of Chicago, University of Florida, University of Illinois (Urbana-Champaign), University of Louisville, University of Maryland (College Park), University of Michigan (Ann Arbor), University of North Carolina (Chapel Hill), University of Pennsylvania, University of Tennessee, University of Virginia, Vanderbilt University, Vassar College, Washington University  (St. Louis), Wellesley College, Wesleyan University, Williams College,  Yale University

Visit the Project on Student Debt website for more details.  Because financial aid programs frequently change,  check with the institutions directly for up-to-date information.

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