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Expected Family Contribution

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.

EFC is determined by the Government as part of their analysis of your FAFSA Information. ( Link to free application for federal student aid (FAFSA)). You will receive your official EFC number as part of your award letter. The financial aid office uses the EFC to determine financial need, which is defined as the difference between the cost of attendance at HCC and your EFC.

How the EFC is calculated:

  • Determined by Federal Government based on an established formula.
  • Primary factors of the formula are family income, assets, household size and the number of family members attending college.

How the EFC is used:

  • Determines eligibility for federal financial aid, such as Pell Grants, federal loans and federal Work Study programs
  • 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

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