Still, the question remains…why a university that “meets 100% financial need” would come up with that large EFC. It means you have adequate income/assets and you are not willing to contribute to his education, or there is a mistake somewhere in what you reported or what they calculated. Once again, a school that claims to meet financial needs (with minimal loans) does not expect a family to take $175 k loan (which everyone agrees is too much for a BA in arch).