What Does Your FAFSA EFC Number Mean?

Realistic Simple Definition of Your EFC Number (“Code”)

  • It is not the amount of money your family will pay for college, it is an estimate.
  • It is not the amount of financial aid you will receive.

EFC is Like an Index Number for Colleges

Colleges use your EFC Code to calculate your financial aid eligibility. Some people use a formula COA – EFC= Amount You Pay but this oversimplifies how the financial aid process works. Free EFC Number Calculator

 The video above explains in more detail what your EFC means.

Learn about different EFC score calculation methods and how they are used in the Financial Aid Eligibility process.

College Financial Aid Paying for College Video Text

Text to Read College Financial Aid Video

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"Starter Coaching Program" Affordable Click the Tiger

What Determines the Amount of Financial Aid

Your Expected Family Contribution (“EFC”) is the “major driving factor” in determining financial aid eligibility and the structure of the financial aid award. Other factors which are involved are;


  • Your Year in College
  • Your Enrollment Status
  • Cost of Attendance
  • Percentage Need Met by Individual College
  • Student Profile Compared to Average Student at College
  • Individual College’s Best Practices

What Does the Financial Aid Office Do With Your EFC Number ? 

You Can Estimate Your Financial Aid Award By College

This is the information you need so you know if a College is making you a fair financial aid offer using your EFC number  and the other factors above.

  • Which Colleges give out the most “Merit Aid”?
  • Which Colleges burden you with “Self Help” (Loans)?
  • Which Colleges have the highest “Need Met”, more financial aid?
  • Which Colleges are more affordable for your financial situation?
  • Which Colleges are more suitable for your student based on Freshman/Upperclassman Profile Data?

Learn More About Our EFC Tune-UP™

Answer the Question “Can I Lower My EFC Number for More Financial Help”

  • You access our free EFC Calculator Software in Resource  Library
  • You Input Your Data, Simple Help Instructions on Each Screen
  • Send The “Encrypted” Data Back (No Social Security Numbers)
  • Or, We Can Collect Data By Phone, or Send You A Spread Sheet
  • We’ll Provide Before / After  Strategies to Lower Your FAFSA EFC Number

College Affordability Financial Aid Eligibility Comparisons by College

  • Prepare Financial Aid Eligibility Reports
  • Shows You Up To 5 Colleges Side-by-Side
  • Projects Your Financial Aid Package Based Upon College Historical Award Patterns
  • Discover  Your Anticipated “Unmet Need” [your out-of-pocket costs]
  • Two-Page Selected College Research Information Summary Reports

Not Ready? Are You Asking The Right Questions?

  • Tic -tac-toe, Did You Win The First Time?
  • You Asked Questions, Learned The Rules, Then Looked For “Someone” Who Did Not Know The Rules, And You Won!
  • EFC Is Like Tic-tac-toe, More Rules, Do You Know Them? Do You Want to Learn Them?
  • Do you understand the Financial Aid Appeal process?
  • Do You Want to Take the Time to Learn All This? Why not Let Us Help You!

 Don’t Be The “Someone” In The EFC FAFSA Process

“Rules Can Be Opportunities”, See How EFC Rules Are Like Tic-tac-toe. Our “Strategy Alerts” Newsletter provides tips, sign up and learn. Strategy-Alerts-Newsletter-Registration

Diagram of Tic-Tac-Toe Game With EFC Components
Get The Rules Straight for Family Financial Clarity



 Make It Easier, Simpler with EFC Tune-UP™

Graduation Cap Black with Black Tassel[Strategy Alert:]  Not filing the FAFSA form because you make too much money  can be a costly mistake.

Many Colleges but not all require you to file the FAFSA to qualify for “free money” – grants,  scholarships, merit aid,  etc.

In addition,  if you fail to file the first year in college it might jeopardize your chances in the future should your financial circumstances change.

What’s your plan of action for preparing for the EFC process?

Are you clear on this question, What Does My EFC Number Mean?

What’s your plan for Financial Aid?

What’s your plan for paying for College?

Which Colleges are more affordable for your Family?

Let’s start the process, click the image below!

See Financial Aid Eligibility sample report comparing colleges side by side.


Learn About EFC Tune-Up Course

 [Click Image Above]


Receive EFC Tune UP Benefits Plus College Plan Funding Guidebook – Close Your Funding GAP – Your Out-of-Pocket Costs