Expected Family Contribution

The Expected Family Contribution (EFC) is a number schools use to evaluate your eligibility to receive federal, state and institutional financial aid.

Before you can get an EFC, you must complete and submit the Free Application for Federal Student Aid (FAFSA). Once your FAFSA is processed, you will receive your official EFC number. Financial Aid Office uses the EFC to determine financial need, which is the defined as the difference between cost of attendance at SU and your EFC.

How the EFC is calculated:

  • Based on a formula established by the federal government
  • Takes into account factors such as family income, assets, household size and the number of family members in college

How the EFC is used:

  • Determines eligibility for federal financial aid, such as Pell grants, federal loans and Federal Work Study Program
  • Used by institutions and the state to determine a student’s eligibility for other aid programs

The EFC is not:

  • The amount of money your family will have to pay for college
  • The amount of student aid you will receive

Determining Financial Need

Financial aid programs were established on the premise that the primary responsibility for paying educational expenses rests with the student and his or her family. Students and families who lack the necessary resources to pay these educational expenses are encouraged to apply for financial aid by completing a FAFSA. This information is used to determine your financial aid eligibility. The following formula is used to determine whether you are eligible for need based financial aid:

Financial Need

Cost of Attendance (COA)

The Financial Aid Office establishes student expense budgets that are used to calculate financial aid eligibility as well as to provide students and their families with a reasonable estimate of the cost of attendance at Salisbury University. These student budgets include allowances for tuition and fees, room and board, books and supplies, transportation, and personal and miscellaneous expenses.

Financial Need

The difference between the Cost of Attendance and the Expected Family Contribution is considered financial need. The Financial Aid Office will assist students and their families in trying to meet their financial need by offering a combination of grants, scholarships, loans, and employment opportunities. Students who have no financial need are eligible to be considered for non-need based scholarships and loans.