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Here are two hypothetical aid package examples to illustrate how we our office meets demonstrated financial need at Harvard Law School for 2018-2019.

Eligible for HLS Grant Eligible for Loans
(need greater than $46,800) (need less than $46,800)
Student Budget $95,800 $95,800
minus Assessed Student Resources $5,000 $9,000
minus Assessed Parent Resources $14,000 $45,000
__________ __________
equals Demonstrated Need $76,800 $41,800
Grant Aid Package Loan Aid Package
Federal Direct Stafford Loan $20,500 $20,500
plus Most Favorable Available Loans $28,500
plus HLS Grant Eligibility $27,800
__________ __________
equals Total Financial Aid Award Offer $76,800 $20,500
plus optional Supplemental Loan* up to $19,000 up to $75,300
__________ __________
equals Total Financial Aid Eligibility up to $95,800 up to $95,800

* Remember: Student Financial Services awards a basic financial aid package to meet the level of need demonstrated by the assessed student and parent resources. If your parents will not be contributing to your education expenses, it is possible to borrow in replacement of the entire parent resource assessment amount through a supplemental education loan program.

It is also possible to borrow to replace all or a portion of the assessed student contribution, but borrowing to replace assessed student resources is not eligible for future loan repayment assistance through LIPP.

The upper limit on optional supplemental loan borrowing is the Student Budget; in other words, your total financial aid cannot exceed your approved budget.