The ways low-income families pay for college are examined, based on a national survey of student aid recipients, especially traditional undergraduate dependent students. Information is provided on the mix between loans, grants, work, and family contribution, as well as the relationship between federal, state, and college-sponsored aid. Examples of typical financial aid packages for students attending high, low, and moderately priced institutions are included. Findings indicate that: federal student aid provides a foundation of support for low-income families; other federal aid programs fill in the gap for only half of low-income students attending private colleges; students need a mix of aid sources in order to meet college costs, yet still fall short of meeting all their costs. It is concluded that low-income families need additional help in paying for college. Appendices provide data on: the number and proportion of aid recipients receiving financial aid by income level ($0-$7,499 and $7,500-$15,000), type of aid, and type of institution (public/private); common aid packages of low-income students; and the number and proportion of aid recipients receiving different combinations of aid. (SW)