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The difference between the Cost of Attendance and the Expected Family Contribution (EFC) is the student's financial need.

Need Analysis

Technique used to determine a student's need for financial assistance for college expenses. The analysis determines the family's ability to contribute to costs compared to the student's cost of attendance.


A means of determining eligibility for certain types of financial aid using financial need as the determining factor.

Net Income

This is income after taxes, deductions, and allowances have been subtracted.

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Last Reviewed: October 2020