<p>@ mom2</p>
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<p>Well, our EFC from estimate calculators fits within our ability to pay, but I’m not sure what will happen when S actually applies.</p>
<p>OK, so merit scholarships are not stackable in order to cover EFC? What/if anything can cover EFC (if your EFC is close to let’s say, room&board, etc and you only receive a full tuition scholarship)? Is it possible to cover that amount without out of pocket expense? I suppose I should have clarified that question sooner, as that is the info I need… how do we “eat into” the EFC (without loans)?</p>