<p>As I understand it, Perkins and Stafford loans are capped at a total of $20,000.00. If your family needs to borrow money to meet its Expected Family Contribution, then you may end up borrowing more than $20,000.</p>
<p>Here is a site to get an estimate of your EFC:</p>
<p>[FinAid</a> | Calculators | Expected Family Contribution (EFC) and Financial Aid](<a href=“http://www.finaid.org/calculators/finaidestimate.phtml]FinAid”>http://www.finaid.org/calculators/finaidestimate.phtml)</p>
<p>Then, you can figure out how realistic it is that your family could pay it.</p>