<p>your EFC is your estimated family contribution
You already have one, it is probably as low as it gets, because you are recieving maximum Pell grant.
<a href="http://www.finaid.org/calculators/%5B/url%5D">http://www.finaid.org/calculators/</a>
I realize that your loans as it stands now are over $20,000 including your subsidized Stafford and your mothers Plus loan
However, you also can take into account money that you will earn summers and during the school year to pay for your expenses.
To save money on room and board- inquire about possibly being a housing asst. Dorm advisiors usually get free housing and sometimes a board stipend as well. Have you found any scholarships?
Talk to the advisors at the cc as well as at Clark and let them know that you need more help to attend.</p>