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I'm waiting to hear about financial aid from UVA, Duke, northwestern, Nyu. For any of these schools if you get no aid do you get a letter stating that or how does it work?

Tag.

I assume you're talking about merit-based aid. Loans are included in the umbrella of financial aid. If they don't want to give you any scholarships, they will offer you a package consisting of stafford and grad plus loans.

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