It makes sense! You should call because I could have sworn some financial aid counselor told me they always give out subsidized and unsubsidized loans to everyone who does their FAFSA. I know I got 5500 subsidized and 2000 unsubsidized offered to me....
I chose Hayward. I live like 5-10 minutes away (depending if the traffic lights are in my favor). I don't see anything wrong with Concord, but for me it would seem like a lot of unnecessary traveling when I live so close to Hayward.