<p>No Kay, I guess I don’t consider the fed loans to be covering EFC, and suppose I’ve always expected EFC to mean cash from my pocket, however it got there (savings, equity, paycheck, popcans found by the side of the road, garage sales, selling blood, offering oneself for scientific experimentation…you know, the usual parent-of-college-kid fundraisers 
Clearly, and unfortunately, Michigan seems to agree.</p>
<p>This year if you are gapped again, though, I’d ask 'em why and cite that lead paragraph from their website - not to be ungracious, but your first year represented a gap that by its own definition is actually a gap. Best wishes.</p>