| The EFC is not linear wrt income. The EFC is flat at lower income/asset levels until a sharp rise at the 60-80 k level. The comfort level index might look like an inverted bell curve with the minimum affordability near the EFC=total expense level. Anyone near this point would logicly view the FA system as inadequate. Those near the peaks of the curve would have no reason to view the system as anything but satisfactory. |