Students and their families are expected to contribute to the cost of college. The Expected Family Contribution (EFC) is the amount that a family can be expected to contribute toward a student's college costs. Our EFC calculator will help you determine your need-based aid eligibility based on federal financial aid formulas.

Family Information

Please select your state of residence.
Please enter the age of the older parent.
Please enter the number of dependents, between 1 and 6.
Total number of dependents in the household including the student. Do not include the parents. Maximum number of dependents is 6; if greater, enter 6.
Please enter the number of college students, between 1 and 5.
Total number of students in the household who will be enrolled in college at least half-time at the same time as the student for whom the search is being run. Include the student and dependent siblings, but not parents (even if a parent is enrolled in college). Maximum allowable students in college is 5; if greater, enter 5.
Please enter a value.
Enter the sum of the ages of the dependent children in the household who will not be enrolled in college at the same time as the student for whom this search is being run. Do not include that student.

Parents' Finances

There are two options for the source of your federal tax paid. We can estimate your federal tax paid or you can enter your actual or estimated tax paid below. Since federal taxes are complicated, entering your own amount will be more accurate than an estimate and will therefore generate a more accurate EFC.
If you answered 'Enter Tax Paid Amount' to the above question, enter your estimated or actual federal tax paid.
Please enter your AGI as a number between 0 and 650000.
Your actual or estimated adjusted gross income (AGI); line 37 on form 1040, line 21 on form 1040A, line 4 on form 1040EZ. Maximum allowable AGI is $650,000; if your AGI is greater, enter 650000.
Please enter your untaxed income.
Tax-exempt interest income, child support received for all children (excluding foster children), worker’s compensation, disability payments, first-time homebuyer tax credit, untaxed portions of pension and IRA distributions (excluding rollovers), housing, food and living allowances paid to clergy and military personnel (excluding the value of military housing).
Please enter your non-retirement assets.
Savings; Checking; Stocks; Bonds; Exchange traded funds; Mutual funds; Other securities, including stock options; Trusts; Land sale contracts, Mortgages held; Real estate other than your home. Include all 529 plans owned by Parents for the student, and for all the student's siblings (Do NOT include 529 plans and education savings accounts owned by the student for whom this search is being run).
Please enter your home equity.
The market value of your primary residence if sold today, minus all debt owed against the home.
Please enter your farm and business assets.
The current net worth of the parents' investment farms and businesses based on the market value if they were sold today minus any debt owed against the farm and/or businesses. Report only parents’ share if owned by multiple people.
Please enter your small business assets.
One of the college aid forms (FAFSA) does not include the value of small business assets if the business is family owned with 100 or fewer full-time employees, and family-owned farms that you live on and operate. How much of the Farm and Business Assets reported above represent small business assets or working farm assets?
Please enter your retirement contributions.
Enter the estimated or actual amount of contributions that the parents made to qualified retirement plans in the previous calendar year, including: Regular IRA, 401k, 403b, SEP, Simple IRAs, Keogh plans, Profit sharing plans, etc. Do not include employer contributions.
Please enter your non-qualified annuities.
An annuity account in which the owner did not receive a tax deduction for contributions to the account.
Please enter your child support paid.
Total child support payments made in the last year.
Is one of the parents a dislocated worker? A dislocated worker is someone who falls into at least one of these categories:
  • A person who meets all of the following requirements:
    • he was terminated or laid off from employment or received a notice of termination or layoff;
    • he is eligible for or has exhausted his unemployment compensation, or he is not eligible for it because, even though he has been employed long enough to demonstrate attachment to the workforce, he had insufficient earnings or performed services for an employer that weren't covered under a state's unemployment compensation law; and
    • he is unlikely to return to a previous industry or occupation.
  • A person who was terminated or laid off from employment or received a notice of termination or layoff as a result of any permanent closure of, or any substantial layoff at, a plant, facility, or enterprise.
  • A person who is employed at a facility at which the employer made a general announcement that it will close within 180 days.
  • A person who is employed at a facility at which the employer made a general announcement that it will close.
  • A self-employed person (including farmers, ranchers, or fishermen) who is unemployed because of natural disasters or because of general economic conditions in his community.
  • A displaced homemaker, someone who meets all of the following requirements:
    • she has been providing unpaid services to family members in the home;
    • she has been dependent on the income of another family member but is no longer supported by that income; and
    • she is unemployed or underemployed and is having difficulty obtaining or upgrading employment. An "underemployed" person is one who is working part time but wants to work full time or one who is working below the demonstrated level of her education or job skills.

Student's Finances

Please enter the student's adjusted gross income.
The student’s actual or estimated adjusted gross income (AGI); line 37 on form 1040, line 21 on form 1040A, line 4 on form 1040EZ.
Please enter the student's assts..
Savings; Checking; Stocks; Bonds; Exchange traded funds; Mutual funds; Other securities, including stock options; Trusts; Real estate other than your home. Do NOT include 529 plan and Education Savings Account (ESA) assets here.
Please enter the student's 529 plans.
Include all 529 plans and Education Savings Accounts owned by the student, even if a parent or other person is listed as a custodian.
Please enter the student's non-qualified annuities.
An annuity account in which the owner did not receive a tax deduction for contributions to the account.
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