user: If an offer of school aid informs me what financial aid can I receive at a university, which should I be sure of?[NEWLINE]agent: have you applied to various schools?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: If I need to take out a larger amount of private loans in one school than in another, what should I present?[NEWLINE]agent: You should pay special attention to the terms and conditions of private loans so that you understand what your obligations would be. Read about federal loans versus private loans.[NEWLINE]user: I understand but how can I calculate the net price?[NEWLINE]agent: You must follow a few simple steps to calculate your net price, or net cost, for each school.[NEWLINE]user: ok and one of the steps is the cost of attendance but does it all include it?[NEWLINE]agent: If you do not include it, request this figure from the financial aid office. Make sure it includes the amounts you will pay directly to the school, such as tuition and fees, as well as other costs, such as living expenses, books and supplies, and transportation.[NEWLINE]user: If I don't understand what's in your offer of help?