So my EFC was 0. I ended up getting all loans, 40K in stafford and 10K in private loans. My relatives are going to help pay for some so I don't need the 10K in private loans. If I decline that portion and only accept the 40K in stafford loans, do you think the school will ask where I am getting the extra money and upon finding out, change my award to give me less stafford loans? I'm curious if this happens.