Stacking -- cutting into EFC

Paying for College
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When people have unaffordable EFCs then they really only have about 3 options

  1. get into a school that gives super aid, because those schools will typically determine the family contribution to be lower than FAFSA EFC

  2. attend a school whose COA is lower than your EFC

  3. attend a school where you receive HUGE merit (stacked or not), and when subtracted from COA, the remaining costs are less than EFC. When this happens, the student can also take an unsub 5500 loan to further reduce what parents have to pay