"We used the EFC Calculator way before it was time to submit the FAFSA, and my parents were able to make some changes that ended up reducing our real EFC."
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Knowing your Expected Family Contribution is the first step in understanding how much college will cost.
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.
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!
CollegeData is committed to supporting you on your path to college, providing you with a responsible, reliable service to help you fulfill your college dreams.
CollegeData is a service of 1st Financial Bank USA.
CollegeData Dollars (CD$) are points you earn by completing certain CollegeData activities. The maximum number of CD$ you can redeem is 5000. Once you have earned at least 2500 CD$, you can redeem them for $25, which will be provided to you on a Loyalty Card, and once you earn another 2500 CD$, you can redeem those CD$ for a second $25, which will also be provided to you on a Loyalty Card.
Complete certain CollegeData activities (for example, signing up, starting your Admissions Profile, searching for colleges, calculating your chances for admission, searching for scholarships, updating your Profile with your admission decisions). Each activity is worth a specific amount of points (CD$). You can redeem the points you earn for U.S. Dollars that will be issued to you in the form of a 1st Financial Bank USA Loyalty Mastercard®.
You can earn CD$ by completing certain CollegeData activities. As soon as you sign up and activate your CollegeData account, explore CollegeData and begin completing CollegeData activities to earn points.
Here is a full list of CollegeData activities for which you may earn CD$ and the number of CD$ you can earn by completing each activity.*
|Sign up for CollegeData||2000|
|Provide additional information at sign up||250|
|Search for colleges and save one to your Data Locker||250|
|Calculate your chances of admission at any college||250|
|Search for scholarships and save one to your Data Locker||250|
|Start your Admissions Profile||500|
|Start your College List in your Admissions Profile||100|
|Add SAT and ACT scores to your Admissions Profile||500|
|Add application details to your Admissions Profile||500|
|Add activities and awards to your Admissions Profile||250|
|Add your weighted GPA to your Admissions Profile||100|
|Complete your Admissions Profile||1000|
* CD$ you earn will expire if your CD$ Program account is inactive. An account will be inactive if no CD$ are earned and no CD$ are redeemed in any 12 consecutive calendar month period.
These Terms and Conditions govern your participation in the CollegeData Dollars program ("CD$ Program" or "Program") that is available at collegedata.com, a service provided by 1st Financial Bank USA ("Bank," "we," "our" or "us"). By accepting these Terms and Conditions, you agree to them and all terms incorporated herein by reference. If you do not agree to these Terms and Conditions, you may not participate in the Program.
The CD$ Program is a loyalty rewards program for your personal use only. Commercial use is prohibited. To be eligible to participate in the CD$ Program, you must be at least 16 years of age, a high school sophomore, junior or senior or college freshman, and a U.S. citizen or permanent U.S. resident with a U.S. mailing address. Eligibility criteria may change at any time in our sole and exclusive discretion. If you are between the age of 16 and the age of majority in your state of residence, you may only participate in the CD$ Program with the consent and supervision of your parent or legal guardian. The program is not intended for or targeted to anyone under the age of 16.
There is no charge for your enrollment and participation in the CD$ Program. There are no participation or other fees associated with the Program. To enroll and participate in the Program, you must sign up for CollegeData at www.collegedata.com, satisfy the Program eligibility requirements, check the box indicating that you intend to participate in the Program, and agree to these Terms and Conditions. When you sign up for CollegeData, you must provide true, accurate, current and complete information about yourself and must maintain and promptly update such information to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, manipulative, not current or incomplete, or if we, in our sole discretion, suspect that any such information is untrue, inaccurate, not current or incomplete, we reserve the right to suspend, terminate or decline your participation in the CD$ Program.
You may have only one CD$ Program account that is personal to you and up to three CD$ Program accounts may be associated with the same U.S. mailing address.
CollegeData Dollars are points (these points are hereinafter referred to as "CD$") you may earn after you enroll in the CD$ Program by completing specific activities listed on collegedata.com ("Eligible CD$ Activities"). CD$ are not U.S. Dollars or any foreign currency of any kind. One CD$ may be redeemed for $.01, provided you have at least 2500 CD$ at the time of redemption. Please see Section 4 of this Agreement for more details on how to redeem your CD$ for U.S. Dollars. CD$ you earn will expire if they are not redeemed in a timely manner as set forth in Section 5 of this Agreement. Eligible CD$ Activities and the number of CD$ that you may earn for each activity you complete are available at collegdata.com. The Eligible CD$ Activities and the number of CD$ you may earn for each activity are subject to change by the Bank, at any time, without notice from, or liability to, us.
The CD$ you earn are personal to you and may not be sold, transferred or assigned to, or shared with family, friends or anyone else.
You can view, track and redeem the CD$ you earn at www.collegedata.com.
Once you earn 2500 CD$, you are eligible to redeem them for U.S. Dollars that will be provided to you in the form of a Bank-issued loyalty card or virtual loyalty card ("Loyalty Card") that you can use, subject to the Loyalty Card Agreement, to make purchases wherever Mastercard® debit cards are accepted in the United States. One CD$ is worth $.01 when it is redeemed.
The monetary value of the CD$ you redeem for U.S. Dollars may be considered taxable income from the Bank in the tax year in which you redeem them pursuant to U.S. tax law.
CD$ YOU EARN BUT DO NOT REDEEM WILL EXPIRE IF YOUR CD$ PROGRAM ACCOUNT IS INACTIVE. YOUR CD$ PROGRAM ACCOUNT WILL BE INACTIVE IF NO CD$ ARE EARNED AND IF THE CD$ YOU HAVE EARNED ARE NOT REDEEMED IN ANY 12 CONSECUTIVE CALENDAR MONTH PERIOD.
Note: Loyalty Cards and the funds underlying those cards expire at a different time and under different circumstances than the CD$ you earn but do not redeem.
A LOYALTY CARD ISSUED TO YOU TO REDEEM CD$ FOR U.S. DOLLARS PURSUANT TO THE CD$ PROGRAM AND YOUR RIGHT TO USE THE FUNDS UNDERLYING THE CARD WHEREVER MASTERCARD DEBIT CARDS ARE ACCEPTED IN THE UNITED STATES WILL EXPIRE ON THE DATE THAT APPEARS ON THE FRONT OF THE CARD.
Subject to applicable law, there is no right to cash redemption associated with the funds on any Loyalty Card. For more information about the expiration of Loyalty Cards, including the funds underlying those cards, see Loyalty Card Agreement.
We reserve the right in our sole and absolute discretion to change, cancel or modify any aspect of these Terms and Conditions or the CD$ Program at any time and in any way. We also reserve the right in our sole and absolute discretion to terminate your participation in the CD$ Program and decline your future participation in the Program for any violation of these Terms and Conditions, taking any action that is inconsistent with the intent of these Terms and Conditions, or any fraudulent, potentially fraudulent, deceptive, or unusual behavior or activity in connection with the Program.
In the event that your participation in the CD$ Program is terminated, all of your earned and unredeemed CD$ will be null and void.
Any change, cancellation or modification to these Terms and Conditions or the CD$ Program will be effective immediately upon posting the change, cancellation or modification at www.collegedata.com. You waive any right you may have to receive specific notice of such changes or modifications.
By participating in the CD$ Program, you may periodically receive email from us. You may opt out of receiving marketing email at any time but may not opt out of receiving operational emails related to your participation in the CD$ Program, such as requesting that you validate your email address or confirming your CD$ Program account activity.
These Terms and Conditions complement and incorporate by reference the Loyalty Card Agreement. The Loyalty Card Agreement governs the Loyalty Cards issued to you pursuant to the CD$ Program. In the event of a conflict between the Loyalty Card Agreement and these Terms and Conditions, the terms and conditions set forth in the Loyalty Card Agreement govern.
Your CD$ are not valid unless earned in strict compliance with these Terms and Conditions. You may not earn or attempt to earn CD$ by any means that only simulate compliance with these Terms and Conditions, such as by using any script, bot, data mine or other automated means. CD$ earned other than in strict compliance with these Terms and Conditions or by any means that only simulate compliance with these Terms and Conditions are null and void.
These Terms and Conditions are subject to the laws of South Dakota.
Except for our willful misconduct, by participating in the CD$ Program, you release us and our officers, directors, affiliates, employees and agents ("Released Parties") from any and all liability for any loss, harm, damages, cost or expense arising out of or in any way connected to the CD$ Program or these Terms and Conditions.
Subject to any limitation under applicable law on your liability to the Released Parties arising from participation in the CD$ Program, you agree to indemnify and hold the Released Parties from and against any and all claims, suits, damages, judgments, liabilities, costs, and expenses (including, without limitation, attorneys' fees) arising out of or in any way connected to the CD$ Program or these Terms and Conditions.
If you have any questions about these Terms and Conditions or the CD$ Program, please contact us at www.collegedata.com/en/contact-us
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