Expected Family Contribution (EFC)

The EFC is the amount that you and your parents are expected to contribute toward your education. The federal need analysis formula utilizes your and your parents’ income and assets, as well as other information reported on the FAFSA in order to calculate:

Parental Contribution (PC) is calculated for dependent students only, based on parents’ FAFSA information.
Student Contribution (SC) is calculated for dependent and independent students based on students (and spouse’s) FAFSA information.

The EFC figure is not an actual amount that you and your parents will be billed for and have to pay. It is an approximation (based on the income/asset information listed on the FAFSA) of how much you and your parents may have to contribute throughout an academic year to cover your educational expenses.

If the EFC assessment is unmanageable for your family, the Financial Aid Office may be able to offer you loans to replace the EFC. Please contact our office for more information.