Here's are two QUESTIONS for you if you received your financial aid award from DMS: On the piece of paper they mailed you, there are two columns labled 2004-2005 Budget and 2004-2005 Financial Aid Award. Under "Financial aid award," do they list BOTH loans AND scholarships/grants? Also under "Financial aid award" they have a TOTAL amount. Let's say the amount listed is... any old number... $5000. Is this the balance remaining after grants and scholarships (in other words the total amount they suggest you borrow) OR is this the TOTAL amount of scholarship, grant, DMS loan, and subsidized stafford available (meaning you need to come up with the other $44,165 through family contribution, unsubsidized stafford, and private loans?) Thank you in advance!