Expected Family Contribution (EFC) is an estimate of a family's ability to contribute to their student's college expenses. The lower the EFC, the less money a family has to contribute. The EFC is based on the information the student provides in the Free Application for Federal Student Aid (FAFSA). The EFC is usually subtracted from the cost of attendance (COA) to determine the student's financial need. If the COA minus the EFC is more than 0, then a student has financial need. Your EFC is reported to you on your Student Aid Report (SAR).