<p>Please head over to the financial aid forum and read - everything you need to know is on there.</p>
<p>Be very leery of insurance products being pitched as a way to lower your EFC - this had red flags all over it. There is a thread on the financial aid forum specifically on ways to legally lower your EFC.</p>
<p>Do an EFC calculator - they are free - FAFSA has one - get an idea of your EFC now.</p>
<p>Read a legitimate college financial aid guide - I like “How to Pay for College” by Gen and Kelly Tanabe.</p>