<p>If I understand correctly, nothing will really effect the EFC that the school comes up with. My daughter is applying to a 100% meet need school. The NPC gave her a $34000 grant for an estimated net price of 28,000. Self help was $4,000 student loan and $1,900 student work and the parent contribution is $20, 200. If my daughter earned a $5,000 outside scholarship I think they would apply that to reduce her loan and student work. My long winded question is when all is said and done could she still get a $5500 loan and work study to ease our burden.</p>