Pay for College

Explore college costs and plan how you'll pay for your degree or certificate.

Estimate Your Expected Family Contribution (EFC)

The EFC is key to the amount of financial aid you receive

Use this calculator is to estimate your expected family contribution (EFC).

About the EFC

  • What is the EFC? The EFC is a measure of how much you and your family will be able to contribute toward your educational expenses for one academic year.
  • How is the EFC calculated? The Department of Education will calculate your EFC based on financial information you provide on the Free Application for Federal Student Aid (FAFSA).
  • Why is the EFC important? Your school will use your EFC to determine your financial need, then put together a package of financial aid designed to help you meet your need.
EFC Calculator — Step 1: Determining your dependency status.
Do you meet any of the criteria below?
  You were born before January 1, 1992.
 You are a veteran of the U.S. Armed Forces.
  You are working on a master's or doctorate program during the 2015-2016 school year.
 You are married as of the date you apply for aid.
 You are a ward/dependent of the court, or you were a ward/dependent of the court until age 18.
 You have legal dependents other than a spouse.
 You are currently serving on active duty in the U.S. Armed Forces for purposes other than training.


Note: This calculator provides an estimation of what you and your family will be expected to contribute towards your educational expenses for one academic year of your postsecondary education. Your official EFC is calculated by the Department of Education when you complete a FAFSA.

Source: IFAP EFC Formula Guide 2015-2016

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