<p>Schools that “meet full need” will offer grants = COA - EFC - ESC.</p>
<p>COA = cost of attendance list price
EFC = expected family contribution, which may be different at each school using institutional methodology.
ESC = expected student contribution, usually between $4,000 and $10,000 per year. Financial aid packages typically include either or both direct loans and/or work-study to cover this.</p>
<p>If AFC + ASC < EFC + ESC, then the difference is the financial aid gap (AFC and ASC are actual family contribution and actual student contribution).</p>
<p>If you find significant financial aid gaps at every school with just need-based aid (see their net price calculators), you need to look for large enough merit scholarships.</p>
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<a href=“http://talk.collegeconfidential.com/national-merit-scholarships/649276-nmf-scholarships-updated-compilation-56.html[/url]”>http://talk.collegeconfidential.com/national-merit-scholarships/649276-nmf-scholarships-updated-compilation-56.html</a></p>