How Aid is Calculated

Your eligibility depends on your Expected Family Contribution (EFC), your year in college, your enrollment status, and the cost of attendance (COA) at Harford Community College. The Financial Aid Office will determine how much financial aid you are eligible to receive after reviewing your completed Free Application for Federal Student Aid (FAFSA) and additional documentation, if requested.

What is EFC?

EFC, also known as Expected Family Contribution, is an index number that college financial aid staff use to determine how much financial aid you would receive if you were to attend their college. The information you report on your FAFSA is used to calculate your EFC.

The EFC is calculated according to a formula established by Federal law. Your family's taxed and untaxed income, assets, and benefits (such as unemployment or Social Security) all could be considered in the formula. Also considered are your family size and the number of family members who will attend college or career school during the year.

What Does Cost of Attendance Mean?

Your cost of attendance is the amount it will cost you to go to college. Most two-year and four-year colleges will calculate your COA to show your total cost for the academic year (for instance, for the fall semester plus the spring semester).