<p>Call the FA office and ask about a special circumstances review. You can search for more threads on this, but colleges can adjust your EFC for certain reasons. I know loss of an income source is one of them, and hopefully retirement will qualify. I believe it’s common that they ask you to wait at least 6 months after a job loss, but retirement may have different rules since it’s more of a permanent thing (or used to be anyway). Good luck!</p>