Financial Need Determination

  • All students wishing to be considered for financial aid must complete the Free Application for Federal Student Aid (FAFSA). Once completed, the Expected Family Contribution (EFC) is determined by federal methodology taking into consideration income, assets, taxes paid, household size, household members attending college, dependency status, and many other variables.
  • The Cost of Attendance (COA) includes average expenses a student will incur for tuition, fees, room and board, books and supplies, transportation, and necessary miscellaneous items.
  • Simply stated, COA – EFC = Demonstrated Financial Need.
  • Financial aid in the form of scholarships, grants, subsidized loans, and work study will be awarded to eligible undergraduate students to help meet demonstrated financial need. Non subsidized loans (federal or private) can be offered/applied for to replace the contribution (EFC) expected from the student/family.
  • According to federal regulations, your total financial aid package including loans cannot exceed the Cost of Attendance.

Special Conditions for Financial Aid

The EFC can be adjusted only in cases of very special circumstances. These circumstances could include death, disability, or unemployment of a wage earner, major unreimbursed medical/nursing home expenses paid for a dependent family member, and in some cases, divorce or separation of parents. If you family experiences such a change, contact our office at 412-624-7488 or by emailing, and request a Financial Aid Special Condition form.


Financial Aid Forms