<p>i don’t know what is the meaning of EFS is $0 does it mean that fafsa will not pay me anything even i am low income ?
or is the money that college Expects that i could pay for it ???</p>
<p>It means you will not be expected to pay at schools that meet full needs. At other schools, it means you will qualify for Pell grants, usually university grants, and the loan package. The schools usually will expect you to take out the max in Stafford loans and contribute some through work study.</p>
<p>that’s mean that fafsa will give me more money or i will be obligate to take loans???</p>
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<p>No!! that’s not what that means. Schools that meet full need as they calculate it generally using PROFILE or their own forms. </p>
<p>0 EFC means you’ll get the full Pell (5700ish) and you’re eligible for a Direct Loan of 5500 (3500 of which is subsidized) as a dependent freshmen. </p>
<p>FAFSA does not give money. It is just a form that you fill out to determine your eligibility for Pell, Direct Loans, etc. No one is obligated to take loans but the most that you’ll get from the federal gov is the full Pell. </p>
<p>Remember: MOST schools do NOT meet need. The EFC is the minimum most are expected to pay. </p>
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<p>No, that is not correct.</p>
<p>First, most schools that meet full need use their own EFC formula, rather than the FAFSA one*. So a student with FAFSA EFC = $0 may find that some schools calculate EFC > $0.</p>
<p>Second, all schools expect a student contribution from federal direct loans and work earnings. The student contribution typically ranges from $4,000 to $10,000.</p>
<p>*Exception: UCs for California residents only; student contribution is about $9,000 in this case.</p>
<p>Use net price calculators on each college’s web site to get financial aid estimates before applying.</p>
<p>so now my EFC is 0 like this my college will cover all my tuition or i will be obligate to take loan ?? </p>
<p>How much is the tuition at your school? What about fees? Do you have to pay room & board?</p>
<p>In general, no. The college will not cover all your tuition. </p>
<p>Once again, no one is obligated to take a loan. </p>
<p>no i will csub and i will stay with my parents in the town </p>
<p>If CSUB means California State University - Bakersfield, then you are probably in luck as a commuter living at your parent’s place. CSUs are generally good with financial aid (using FAFSA information only) for commuter students from low income families, as their net price calculator indicates: <a href=“Cal State Apply | CSU”>Cal State Apply | CSU;
<p>are you sure i ask them before they told your EFC is 0 and we will send you your financial packed at the middle of may !! so i am afraid to enroll at csub and then can;t afford the money that they need !!!</p>
<p>I really think you should take the time to look up how financial aid works. You can start with the CSU Bakersfield pages on the subject. You are a U.S. citizen or permanent resident, right? What was your gpa? What was your family income for 2013?</p>
<p>A likely estimate from the CSUB website for your situation of 0 EFC per school year is:</p>
<p>Federal Pell Grant 5,645
Cal Grant 1,473 - if you applied and have a gpa of 3.0
State U Grant 5,472</p>
<p>Total 12,590</p>
<p>So Bakersfield tuition/fee price was 6,775 last year. </p>
<p>In addition, you will need to buy books and they estimate it costs 1,789 - if your classes don’t require this much or you can buy used or rent them, then you can spend a lot less.</p>
<p>In addition, you will need transportation, food,and housing and personal expenses, so you can use all the extra money for that, they will give it to you each semester. </p>
<p>Now if you need more, you can get about 3,000 in loans the first year. </p>
<p>PLEASE NOTE: I am guessing your income and gpa, if it is different, then amount will be changed.</p>
<p>Private schools that meet full need usually use CSS profile, while in state public schools that meet full need are likely to use FAFSA. EFC at 0 means one will receive more FA that the total amount of grant, government loan, work study, etc MAY cover up to the total CoA. You should use the NPC at each school to see what amount of aid you will expect.</p>
<p>i am a permanent resident but i am immigration from another country so when i make my taxes 2013 i choose i will not file them as i wasn’t here last year and my grant is B because my GPA was 2.98 so like this do i still qualify ??!! </p>