For the 2012–13 school year annual tuition was $38,000, with a total cost of attendance of $57,000. Beginning 2007, families with incomes below $60,000 pay nothing for their children to attend, including room and board. Families with incomes between $60,000 to $80,000 pay only a few thousand dollars per year, and families earning between $120,000 and $180,000 pay no more than 10% of their annual incomes. In 2009, Harvard offered grants totaling $414 million across all eleven divisions;[further explanation needed] $340 million came from institutional funds, $35 million from federal support, and $39 million from other outside support. Grants total 88% of Harvard's aid for undergraduate students, with aid also provided by loans (8%) and work-study (4%).