<p>Agreed with M2CK. That EFC combined with exceeding the income and/or asset ceilings are what kept you from getting grant aid. I had only been curious about the timing of the FAFSA and GPA verification submission since had you qualified based on income and assets for the state and UC grants, then this could have easily been a reason for denial.</p>
<p>Your EFC more than exceeds the fees for 2011-2012. The bulk of the grant aid given by the UCs is to cover the systemwide fees. It is also not uncommon to see additional grants added to cover campus fees. With a $19k EFC, that’s already dipping deeply into the cost of housing which even low EFC students have to find a way to cover. None of the UCs promise to meet need without loans.</p>
<p>I’ll step back from here so M2CK can offer her much more informed advice regarding parental payment and loans :)</p>