Special circumstances... too young to take out loans but mom can't co-sign?

<p>*I think FAFSA will be generous. *</p>

<p>FAFSA doesn’t give money, therefore it can’t be generous. FAFSA uses the financial information you provide to calculate a number called the EFC (Estimated Family Contribution). The EFC and a report called the Student Aid Report (SAR) is sent to the schools you have listed. Schools use your EFC along with their Cost of Attendance (COA) to determine if you have financial need and how much.</p>