All of this is untrue, and frankly it sounds like you are talking out of your ass. 1. Harvard (iirc, all Ivies) has need blind admissions. This is plastered al

All of this is untrue, and frankly it sounds like you are talking out of your ass. 1. Harvard (iirc, all Ivies) has need blind admissions. This is plastered all over their admissions materials. They want the best students period (edit: there are exceptions for international students at some schools). 2. None of the Ivies need the students to pay full price for tuition due to their endowments and other revenue streams. In fact, you would laugh if you saw how little undergrad tuition contributes to the school’s operating budget. 3. Scholarships are not the main source of free money. Most of the free money is in the form of need-based grants. Most (all?) of this grant money goes towards reducing all or part of the tuition cost. 4. For folks who come from modest means, loans and family contributions will be used almost exclusively for room, board, and miscellaneous expenses. The typical loan amount might surprise you by how low it is, and a 6-figure loan balance for an undergrad would be very unlikely (I’ve never heard of one, although they may exist). Note that I am referring undergrad and not to graduate schools, especially professional schools... those are completely different.