<p>Yeah, I think your $36K COA estimate is a little low. I figured around that much just for tuition and room/board depending on the campus. That’s probably where your EFC would come in to pay for books/travel/personal expenses. A work study job could probably cover that and you possibly could work enough in the summer to cover the unsubsidized loan but you will definitely need the other two to cover the shortfall on tuition/room/board. Still not a bad deal if you can graduate with $20-$25K of debt.</p>