Filed FAFSA as independent.. EFC is almost 1/5 of my claimed income??

Paying for College
2

If you want to know for sure whether or not your FAFSA EFC is correct, plug your numbers into the actual FAFSA formula. It will take a few minutes of work, but you’ll have a definitive answer to your question.

https://ifap.ed.gov/sites/default/files/attachments/2019-10/2021EFCFormulaGuideOct2019UpdateAttach.pdf