How Financial Aid is Determined

The information you provide on the FAFSA calculates what is known as your Expected Family Contribution (EFC). UWF, along with most colleges, uses the EFC as the basis for awarding need-based financial aid. The EFC measures your family's ability to contribute to educational costs but is not necessarily what you are asked to pay. 

Cost of Attendance (COA) includes tuition and fees, room and board, books and supplies, personal expenses, and transportation. This total varies from student to student, depending on factors such as enrollment status and housing arrangement. 

After a student has been accepted for admission, the financial aid office uses UWF’s "cost of attendance" and the EFC to determine your eligibility.  Your eligibility for financial aid is calculated by this formula: Cost of Attendance (COA) - Expected Family Contribution (EFC) = Financial Need.

Financial Aid Eligibility Formula
  • Cost of Attendance (COA)
  • -  Expected Family Contribution (EFC)
  • =   Financial Need