<p>It is Asset protection that is based on whether there are one or two parents. </p>
<p>The Automatic 0 EFC is based on parent AGI which must be less than $30k. Does not matter whether it is one parent or two. It is the AGI of the parent(s) that are required to be reported on FAFSA. If your AGI is $41k then it is too high for the auto 0 EFC.</p>
<p>With a AGI of $41k you may qualify for the simplified needs test where assets are ignored. As well as meeting the AGI criteria (<$50k) you would have to meet one of the additional criteria - such as be eligible to file a 1040a or ez (which would mean you cannot itemize - itemizing makes you ineligible to file either of these tax forms) or be a dislocated worker or qualify for certain means tested benefits (such as food stamps) etc.</p>