But aid experts say the monetary fund loans, at least, will not be available until Iraq's debt restructuring is worked out.

As one financial aid expert says, even Bill Gates would qualify for a federal loan.

But aid experts say that starvation and new violence could occur as early as next month.

Many may see their federal grants decline by only a few hundred dollars, or not at all, some financial aid experts estimate.

An international aid expert agreed, saying that "the moment we pull out, programs implemented this way will collapse."

He said American diplomats and aid experts abroad would be asked to report on how coordination is working.

Western aid experts say at least 600 people have died, at least 90 percent of them civilians.

Officially, the country's population is 1.2 million, but aid experts believe that there are no more than 700,000 Bhutanese.

Financial aid experts said the program was likely to be used as a model by other expensive private colleges.

According to financial aid experts, the best way to finance college is clear: a federally guaranteed loan.