Four out of five students attend public institutions, where the costs for in-state students run far below the headline-grabbing level. The schools are listed by in-state tuition and fees for the 2007-2008 academic year. Also provided is the 2007-2008 charge for room and board, as well as the tuition and fees for out-of-state students. (Not all schools offer housing, so in some cases no charges appear for room and board— though you‘ll have living expenses, of course.) In addition, the table lists the average need-based financial aid package granted to undergraduates during 2006-2007. The typical aid package has three components: a need based grant, need-based loans, and work study. In order to qualify, students must file an annual aid application that demonstrates financial need. Expenses for 2007-2008 are provided in the directory when available.