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How is Financial Aid Determined?

Financial aid is determined by the amount of "financial need". Financial need is determined by aformula using the Expected Family Contribution (EFC) subtracted from the Cost of Attendance(COA).

=Financial Need

The "financial need" or "unmet need" is the maximum amount a student can receive in state and federal financial aid funds. While many students will show some unmet need, most grant aid is awarded to students with the greatest unmet need. Students who show unmet need, but do not qualify for grant aid, may qualify for loans, work-study, scholarships and tax credits.

Cost of Attendance

 A student's annual cost of attendance will vary based upon the following criteria:

  1. Residency Status (in-district/out-of-district/out-of-state)
  2. Housing Status (with parents/without parents)
  3. Dependency Status


The cost of attendance includes standard allowances for tuition and fees, books and supplies, room and board, transportation, technology, and miscellaneous expenses. Students are provided with their annual calculated cost of attendance upon request.

Paying for Your Education

 Students can meet the Cost of Attendance (COA) through:

Family Contributions - Your EFC is based on income, assets, expenses, size of family, age of parents, number of working parents, number of students in college, and extraordinary circumstances.

Financial Aid Package - A combination of the following aid programs may be available to make up your financial aid package:

  • Federal Pell Grant
  • Federal SEOG
  • State Aid
  • Federal Work-Study
  • East Central College Scholarships
  • Private Scholarships
  • Federal Direct Student Loans
  • Federal Direct Parent Loans
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