Financial Aid

Expected Family Contribution (EFC) Calculators

There are a number of resources that you can use to calculate your Expected Family Contribution (EFC). Knowing your EFC and your Cost of Attendance or Budget will help you know if you can qualify for need-based financial aid. You can view Cost of Attendance categories in our Cost of Attendance section in the Web site.

The calculation is simple:


Cost of Attendance


Expected Family Contribution


Demonstrated Financial Need

The Expected Family Contribution (EFC) is the result of the Federal Need Analysis formula that measures family financial strength using information from the Free Application for Federal Student Aid (FAFSA). The lowest number is 0 and the highest number 99999: the closer to zero the higher the need.

When you complete your Free Application for Federal Student Aid (FAFSA) online at, your EFC will be calculated as part of the application process. Don’t confuse the Department of Education website with a commercial website that actually charges students large fees to complete their application. The Federal Department of Education’s FAFSA on the Web has a web address that ends in “gov.”


For juniors who want to get an early start on exploring financial aid option, the FAFSA4caster is for you!  By using the FAFSA4caster, you and your family will receive an early estimate of eligibility for federal student aid.  While the FAFSA4caster is not a substitute for completion of the FAFSA, you will be able to populate much of the FAFSA with information from the FAFSA4caster.  Visit the Web site at

EFC Formula

The EFC Formula Guide provides an overview of the formula, worksheets and tables to calculate the EFC manually.  While this can be time consuming, performing a hand calculation will help you better understand the EFC Formula.