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Seaside, there's no way your Stafford limit has decreased to $4,000 unless you already have $27,000 in Stafford loans. Stafford limits are $5,500 freshman, $6,500 sophomore, and $7,500 junior and senior. The maximum you can borrow as an undergrad is $31,000. So talk with your school again, because I'm pretty sure you misunderstood. Also, your EFC does NOT affect how much you can borrow. You can have a 99,999 EFC (the highest) and still borrow the maximum Stafford.
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