<p>VandyPrayer:</p>
<p>Umm, what part of this sentence is unclear?</p>
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<p>The point being that no-loans are better than great, but an ED candidate would HAVE to know with certainty how Vandy (and any other college) calculates its EFC. Yes, the calculators may give an estimate, but it just that, an estimate. Every FinAid admisinstrator has the authority to make professional judgements on all sorts of family items, such as capping home equity, excess medical bills, siblings in private schools, farm-small business, divorce, and the like.</p>