<p>If you go to an EFC calculator & enter just your husband’s numbers … then you do it with the info for both of you … I would bet that you end up with roughly the same EFC both times. This is because there is an allowance for 2 parent wage earners that you do not get for one. When I have played around with the EFC calculator in the past, I found that the EFC is about the same for the first approximately $10,000 of the second wage earner’s earnings.</p>
<p>You can do it by hand, too, to find out … [2010-11</a> Expected Family Contribution (EFC) Formula Guide](<a href=“http://www.nasfaa.org/publications/2009/eaefcguide111709.html]2010-11”>http://www.nasfaa.org/publications/2009/eaefcguide111709.html). Click on the link & find your formula. Read to see if you qualify for simple needs - if so, use the second formula. Otherwise, use the first.</p>