<p>The first part (estimated cost of attendance) or $23,103 is what UCD estimates it will cost for a student to attend UCD for one year. </p>
<p>The second part is contributions: what you and your parents are expected to contribute. Since your family’s EFC is 0, your parents are not expected to contribute out of their annual income or savings. Students are expected to contribute from earnings and/or savings. You will be expected to pay $3,500. per year (you can earn this money through jobs or perhaps you have some saved). </p>
<p>After your contribution is subtracted from the estimated cost of attendance($23,105 minus $3,500) you arrive at your financial need or $19,603. </p>
<p>The last set of figures is how that financial need will be met. UCD is meeting your financial need through both grants and loans. </p>
<p>The last set of figures is the distribution by term and it is a bit confusing since the total doesn’t match your financial need. It looks like the Cal Grant is not included in the distribution by term. This may be because of the current financial troubles in the state of California. But you’d have to ask the UCD finaid office for their explanation. </p>
<p>hope that helps.</p>