Expected Family Contribution (EFC) is a term used in the college financial aid process in the United States to determine an applicant's eligibility for need-based federal student aid, and in many cases, state and institutional (college) aid.
EFC=（A+B）*graded factor+（C+D）
A：100%（parent income-taxes-income protection allowance）【income：MAGI line 38+401k】（the most recent year）
B：12%（parent asset）【checking/saving；stock；Mutual Fund；529；Investment property；very limited number of schools includes resident home】
C：50% （student income）
D：20%（student asset）
