As we plan,we must also affirm our strong commitment to financial aid for our students. In Harvard College,that will mean carrying forward our recent years' initiatives to make a Harvard education affordable for outstanding students from low- and middle-income families. As before,families with incomes below $60 000 will pay nothing to send a child to Harvard College,and families with incomes up to $180 000 and typical assets can expect to pay no more than approximately 10 percent of income. Across our graduate and professional schools,we will maintain financial aid budgets at least at their current levels — and ensure that our students still have access to needed loans,even though many banks are making them less readily available.