The Federal Methodology (FM) is the formula used by the federal government to determine your Expected Family Contribution (EFC) for a Federal Pell Grant, campus-based programs, and Federal Subsidized Stafford and Direct Subsidized Loan Programs. For non-need-based Federal Unsubsidized Stafford and Direct Unsubsidized Loans, your EFC is not a factor. Depending on your financial circumstances, the FM uses one of three models to determine your EFC: the regular, the simplified, and the automatically-assessed formulas. Which…
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