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I think many people would have trouble coming up with their EFC under these circumstances. Although insurance will eventually cover the house and contents, who knows how much the family will have to spend until things are settled? And the time involved in dealing with this may mean that a parent either works fewer hours or decides not to return to work that was planned to cover the EFC. I admire both Momnipotent and the school for understanding the difficulties and helping in a difficult situation. Perhaps if it had happened last year, it wouldn’t impact the college situation so much. But just imagine all of the expenses involved in getting a freshman settled: laptops, clothing, bedding, housewares – all of this could be a couple of thousand dollars which may not be available right now. I’m just always happy to hear a story where people look out for one another.</p>