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the Office of Student Financial Services

What is an Estimated Family Contribution (EFC)?

The Expected Family Contribution (EFC) is determined by your or your family’s financial background and is calculated according to a formula established by federal standards. Your family's taxed and untaxed income, assets, and benefits (such as unemployment or Social Security) are all considered in the formula. Also considered are your family size and the number of family members who will attend college or career school during the year.

The information you report on your Free Application for Federal Student Aid (FAFSA) is used to calculate your EFC. Schools use the EFC to determine your federal student aid eligibility and financial aid award.

Note: To determine your financial need for federal student aid programs (except for an Unsubsidized Stafford Loan), your school substracts the Expected Family Contribution (EFC) from your cost of attendance.

For more information about the EFC, visit Funding Education Beyond High School: The Guide to Federal Student Aid.

To request a free copy of Funding Education Beyond High School: The Guide to Federal Student Aid, call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243).