<p>No. Your EFC only splits if you have two at the same time. For example, my sister and I are five years apart so we neither of us had the 50/50 efc split. There is some kind of discount for having extra dependents but not nearly half. My efc was zero so in my case it didn’t matter but otherwise, no breaks. </p>
<p>So no, no penalty. Break if you’re at a full needs school.</p>