<p>Due to a layoff in mid-2009, our family income has declined considerably. I have run through a few FAFSA calculators and they generally come out with EFC of about $20,000, based on our projected total 2009 income (working full-time for half year). However, our income for 6 months has been limited to my wife’s home business and a modest income I’m getting from a consulting deal with my former company. I ran the calculators assuming this current income rate continues and come up close a $0.00 EFC based on our current situation; obviously quiet a difference. </p>
<p>I understand we can ask for special consideration from a college if our financial situation has materially changed from what the FAFSA results show. I’ll submit a FASFA Jan 1, then what? Does anyone have any experience or advice on how to ask for special consideration? What does it involve? How long does it take to process? </p>
<p>Thanks!</p>