Determining Financial Need

A student's financial need is determined by subtracting his/her Expected Family Contribution (EFC) as determined from the information provided on the Free Application for Federal Student Aid (FAFSA) from the Cost of Attendance.

Expected Family Contribution (EFC) is a measure of your family's financial strength and is calculated according to a formula established by law. Your EFC is determined from the information provided on the FAFSA.

Your family's taxed and untaxed income, assets and benefits (such as unemployment or Social Security) are all considered in the formula. Also considered are your family size and the number of family members who will attend college during the year.

Cost of Attendance is determined by your program of study, enrollment status and residency status (on campus, off campus or commuting from a parent or relative's home).

Cost of Attendance - Expected Family Contribution = Financial Need

The 2020-2021 cost of attendance for a full-time resident at Emmanuel College is $61,813 and for full-time commuter is $53,347. The cost of attendance includes charges that are billed directly by the College (direct costs) such as tuition, fees and room and board charges if living on campus, and indirect expenses that students may need to consider such as books, supplies, transportation and various personal living expenses.

If your residency and/or enrollment status changes from the time of application, your student budget and financial aid award may also change.

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