EFC Calculators

Calculate your Expected Family Contribution

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 website.

The calculation is simple:

                                                 Cost of Attendance (or Budget)

                                                - 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 999,999: the closer to zero the higher the need.

When you complete your Free Application for Federal Student Aid (FAFSA) online at https://studentaid.gov/, your EFC will be calculated as part of the application process. Don’t confuse the Department of Education website with any commercial website that charges a fee.

EFC Formula

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

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