WHY IS MY EFC IMPORTANT? Your Expected Family Contribution determines your positioning for financial aid, grants, and scholarships for college. The lower your EFC, the more free money you are eligible for. How do you lower your EFC? That's where we come in. Our dedicated college advisors will walk you through every step. WHAT IS MY EFC? Your EFC is determined by a combination of your household and financial situation. Understanding the factors that are used to calculate your EFC can be complicated, which is why we break down the information into a digestible format and provide a clear roadmap for your next steps.