Financial aid

If my efc is 00000 and the college cost of attendance is about 21000 what that mean ?

It means that you will get a $6000 a year Pell Grant, and a $5500 Direct Student Loan. If your state has some need based aid for lower income students, you could get that as well.

Yes

As I explained in your other threads, the FAFSA EFC just tells you if you qualify for the $6k/year Pell Grant. Colleges aren’t required to make up the difference between your EFC and the cost of attendance, and most won’t because they can’t afford it. Sam Houston Univ. doesn’t offer need based aid to transfers, as far as I can see, and their merit award for transfers is negligible (< $1500 fir students with GPS under 3.0). After the Pell Grant and student loan you have a ~$12k/year gap.

If you can save your student loan this year ($5500) and next ($6500), that would cover your junior year at Sam Houston. If you can work and save $4k/year between now and your senior year you may just squeeze by. Otherwise, the University of Houston is a good financial safety. It’s within commuting distance and cheap enough that the Pell Grant and direct student loan will cover tuition with ~$3k/year left for books and travel expenses.

Yes I plan on saving it

Is a federal student loan the direct student loan?

^^
I would suggest not telling anyone that you have that student loan money saved in a bank. There have been too many sad stories from students who’ve had friends or family ask to borrow the money and then never pay it back. If they don’t know it exists, they won’t pressure you to lend it out.

Yes mam lol I haven’t told anyone but my dad that’s the only person I would tell they told me not to tell anyone either