<p>David,</p>
<p>what schools have you applied to?</p>
<p>As thumper stated, having a “0” efc simply means that you are eligible for the maximum amount of federal ais (Pell, subsidized stafford loans, federal work study). Not all schools offer SEOG and not all schools give perkins loans.</p>
<p>The majority of FAFSA only schools do not meet 100% of your demonstrated need. This can be a difficult position for a person with a “0” EFC because the college has not given them enough money to attend and it will be very hard for them to fill the gap.</p>
<p>Many schools that meet 100% demonstrated need with large amounts of grant aid or no-loan options will often require the CSS profile or their own instituitional form to give out their money. As thumper also stated it is up to the school to determine how they give out their money.</p>
<p>Some schools can give you an admit-deny which means that academically they have admitted you but financially they have given you a package that is not a financially feasible option for your family so you cannot afford to attend.</p>