Your Expected Family Contribution is the amount your family will be expected to contribute toward your college costs. Colleges use the EFC to determine how much financial aid you are eligible for and to develop your financial aid package. Knowing your EFC is the first step in understanding how much it will really cost to attend each college you are considering.

Once you know your EFC, you can estimate the amount of financial aid you are eligible for at any college: Simply subtract your EFC from the college's total cost of attendance. Once you know how much financial aid you may receive, you can begin to compare the cost of attending different colleges.

You may be surprised at what you learn! College A may cost more to attend than College B — but you may be eligible for more financial aid at College A, making it as affordable as College B!

For Students Age 18 and Older

Have you received a Personal Invitation to apply for a Student Credit card?

Learn how to qualify for a Personal Invitation to apply for a Student Credit Card

1st Financial Bank believes students who pick colleges wisely will also want to learn how to use credit cards wisely.

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