Students and their families are expected to contribute to the cost of college to the extent that they're able. Use this 2012-13 School Year Expected Family Contribution (EFC) Calculator to:

• Estimate how much the student's family will be expected to contribute. After all, you can't make a realistic plan to cover the student's share if you don't have an idea what the student's share could be.
• Gain insight into the student's financial aid eligibility. If you're unable to contribute the entire cost of college, financial aid is available to bridge the gap. That's how the financial aid system works. The difference between the total cost and the student's EFC is considered the student's "financial need" and the amount of aid you're eligible to receive.

This calculator is designed for use by students who live in, or are citizens of, the U.S. or Canada. Data must be entered in U.S. dollars to be valid. Most colleges and universities employ a different formula to determine eligibility for students from outside the U.S. or Canada that is not available with this calculator.

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