"Students and their families are expected to contribute to the cost
of college to the extent that they're able. Use this Expected Family
Contribution (EFC) Calculator to:

• Estimate how much
  your family will be expected to contribute. After all, you can't make a
  realistic plan to cover your share if you don't have an idea what your
  share could be.
• Gain insight into your financial aid
  eligibility. If you're unable to contribute the entire cost of college,
  financial aid is available to bridge the gap. That's how the financial
  aid system works. The difference between the total cost and your EFC is
  considered your "financial need" and the amount of aid you're eligible
  to receive."