<p>Honestly I have no idea how the EFC works, and how. Ours was also 0 but we still ended up with a pretty good sized cost out of our pockets as well as student loans. We’re doing it, but it isn’t easy. We do not own a home. My car (the only one) is 9 years old. And I am still paying off my OWN student loans. So I do not live in luxury. I am a single parent. I get by. I wish I knew how the finacial aid system worked. </p>
<p>Like you, I’m anxiously waiting to see this year’s fin. aid package. I hope it doesn’t change too much.</p>