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Is the maximum amount that you can barrow in federal loans based entirely on the schools estimated COA?

I was on a potential school's website and I noticed (despite it being in a moderately expensive city) that the estimated "personal costs" is significantly lower than other schools. The reason this is important to me is that I don't want to have to take out addition private loans or dig into my savings. Thanks for the info.

bump

Yes. You can ask for an increase the estimated COA, but I believe you have to have valid reasons.

Other than that, the school's estimated COA is what you get in loans.