True that river! Yeah, if I do end up there, Kellogg would probably be the most popular school for GMATClubbers and have the most pages in the thread

I tried calling the adcom back this morning but she's probably busy calling everyone else right now (a few others on BW got calls). I'll let you guys know what this "suspense" is all about. I'm dying to find out.
kwam, yeah... tough choice... definitely would love to be where the GMATClub Hub is, but California Weather is too hard to pass up, especially for a Californian Boy like me.

mba, good info. I believe the UCLA fin aid officer told me that this is how it works:
Total Yearly Budget - EFC = Need Based Loans (includes both Subsidized and Unsub loans, up to 20,500)
If you need more than $20,500 for need based loans, you supplement the rest with Grad PLUS loan.
Everyone can borrow up to their total budget using the Grad PLUS loan, regardless of need or EFC.
Hope that makes sense... took me a while to figure that out talking to the officer.