The remainder of Sabina’s tuition bill comes to $30,000 - $10,000 = $<<30000-10000=20000>>20,000.
The grant will cover $20,000 * 0.40 = $<<20000*0.40=8000>>8,000 of her tuition.
That means that Sabina will need to apply for a loan of $20,000 - $8,000 = $<<20000-8000=12000>>12,000 to pay for the rest of her tuition.
#### 12000