I have been reading lately in magazines about financial aid for college since my daughter is a freshman in high school this year. Several articles talk about filling out the FAFSA to have your EFC (expected family contribution) calculated. What happens once you find out your EFC? Let's say our EFC is less than the cost of tuition at colleges my dd applies to. Will the colleges adjust her tuition? Will they give her grants/money that she won't have to pay back or will they tell her to get a loan to pay the whole amount. I am hoping that she'll have to pay the lesser amount and never have to pay it back. How likely is that to happen? I know we still have a few years but I am working on our budget for future vacations and am worried about college costs. I also have an 8th grader so I'll have 2 in college at about the same time. Thanks for any input you can give me.