Module 1 : Calculating EFC (Expected Family Contribution)

Understanding EFC is at the foundation of becoming an effective College Planner. Finding ways to lower a family’s EFC is a hallmark service of College Planning.

3hrs. 40min.

Watch This First

Here is a short video to get you on your way.

How Financial Aid is Calculated Part 1


In this lesson, we start to look at exactly HOW financial aid is calculated by looking at the formula directly from the Department of Education. You can download this form below.

Download Financial Aid Guide Here:

Download FAFSA PDF here:

How Financial Aid is Calculated Part 2

In this video, we continue the explanation of exactly how financial aid is calculated.

How to Lower a Family's EFC Part 1

Now that you have a basic understanding of how EFC is calculated, let’s dive into exactly how we start lowering it. 

If you’re a little lost, don’t worry….it will all start to come together once we get into the case studies.

How to Lower a Family's EFC Part 2

Here we go with the second part of how to lower a family’s EFC. 

Like I said before, you’re getting a LOT thrown at you pretty quickly, so don’t worry if you’re not totally getting it….we’ll get into some case studies in the next few lessons so you can see how this works in the real world.

And, of course, we’re here to help you with YOUR families, so you’re not alone.

Download EFC Cheat Sheet Here:

Case Study #1: 90k EFC down to 22K in 4 moves

Watch as this family’s EFC drops by almost 75% in just 4 planning moves.

Case Study #2: 2 million dollar house and a 2 million dollar condo

This lesson is also covered in the March 15th, 2018 call, so if you’ve already seen that, you can skip this lesson. Or you can watch for review.

Case Study #3 Part one: Family with additional rental income

Part one of Case Study for family with rental property.

Case Study #3 Part two: Family with additional rental income

Part 2 of lowering EFC for family with multiple rental properties.

Verification Guide
Financial Aid Forms: Government Guidelines 2018-2019
Download Guideline Form Here:

Ron Caruthers

Instructor & Coach

Ron Caruthers grew up in Santa Monica, CA, and he’s helped over 4600 families from across the country plan and pay for college.

Ron Caruthers was an adjunct instructor at Palomar and Mira Costa Colleges in San Diego, California, and is a regular on San Diego’s morning news programs. He has been interviewed on ABC, CBS, NBC and FOX. He has also been quoted in Newsweek, Inc. Magazine, USA Today and the Wall Street Journal, among other publications.

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