<p>Let me start with an apology - I'm sure this question has been asked and answered a hundred times - I just can't find it.
Is there any reason to complete and submit an FAFSA if your EFC is higher than the cost of any college your child is applying to?<br>
Specifically, can you get student loans even if you don't "need" them (according to the EFC) without submitting an FAFSA?
Thanks.</p>
<p>You must file the FAFSA in order to get stafford loans</p>
<p>OK, 'fraid of that. Is it too late to submit now?</p>
<p>no, it is not too late</p>
<p>If you are only interested in Stafford loans then you can file anytime before school starts (and even after that).</p>
<p>Need them for PLUS now too.</p>