What to Do When Confused About Financial Aid Package for State Univ?

AI Thread Summary
The discussion centers on the financial aid process for a cousin who received a financial aid package after being accepted into a state university. The key point of confusion is the relationship between the Expected Family Contribution (EFC) and the total financial need calculated by subtracting the EFC from the total school cost. It is clarified that the EFC does not need to be paid directly; rather, it indicates the amount the family is expected to contribute towards educational expenses. The financial aid package includes grants, Stafford loans, and work-study options to help cover any remaining costs. It is suggested that any remaining balance after accounting for the EFC can be addressed through work-study or unsubsidized loans. For precise guidance, consulting a financial aid officer is recommended.
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My cousin got into a state univ and got his financial aid package calculated, along with fafsa EFC.

What is confusing is they subtract the total school cost from the EFC (expected family contribution) and give you a total financial need quote. The financial aid package has some grants, Stafford and work-study.

My question is will he have to pay the EFC as well? They didn't make it entirety clear.

Thanks.
 
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The EFC is a measure for the finacial aid officers to know how much your family needs to help out.

I don't think he pays the EFC, no. It does not add to the cost, it just says how much of the cost your family is reponsible for, but you'll have to clarify that with an aid officer.

So, say he has X dollars left he needs to pay, then the work-study or unsubsidized loans should cover that.
 

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