<p>My daughter has a 0 EFC. There is no local school where we live so that is not an option. With a 0 EFC she gets some good grant money which we are very grateful for. Those would no where near cover the costs of even a State school. Fortunately she also has some good merit scholarships including a full tuition waiver and a cash scholarship. Without those even with a 0 EFC and being at a State school she would have a lot of debt by the time she graduates. As it is she will have some debt at graduation (if she does not stay with the science major or the SMART grant is not still around when she is a junior/senior add $8k).</p>