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Expected Family Contribution

The Expected Family Contribution (EFC) is determined by the data supplied on the FAFSA, and is calculated by an established formula called the Federal Methodology. The Expected Family Contribution (EFC) is subtracted from the Cost of Attendance. This difference is "demonstrated financial need" and represents maximum eligibility for need-based aid. Non need-based loans may be used to finance all or part of the EFC.

For example:

Cost of Attendance
 $21,000
Expected Family Contribution
 -$6,000
Financial Need
 =$15,000

Note: The EFC may be adjusted by Financial Aid Services. Increases to the EFC result in a decrease in financial aid eligibility. An increase to the EFC may result from, but is not limited to: underreporting of income, savings or other assets; over reported taxes paid, tax exemptions, family size or number in college; or reported business and/or real estate income or losses that may not be indicative of your real income.

Conversely, an adjustment to the EFC that may result in an increase to your financial aid eligibility may result from, but is not limited to: over reported income, savings or other assets; under-reported taxes paid, tax exemptions, family size or number in college; loss of income due to unemployment or underemployment; unusual medical expenses not covered by insurance; or additional educational expenses while the student is enrolled at the University.

UMass Dartmouth reserves the right to review, modify or withdraw financial assistance at any time based on information that affects financial aid eligibility. Factors such as availability of funds, awards of funds from other sources, changes in financial, marital, residence or academic status can result in a change in eligibility. 

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