<p>For the FAFSA EFC the student contribution is based on the reported student income and assets. There is no student asset protection and 20% of student assets go to the student part of the EFC. There is some student income protection (a little over $3200) and 50% of any student income over that goes to the EFC.</p>
<p>Don't understand why a lower income would increase the EFC. Check your other numbers.</p>