We found that at the 100% need met schools our EFC was exactly right within a few hundred dollars. Our situation is pretty uncomplicated though with w2 income only no divorces, extra homes, or family businesses. If you are prepared to pay your full EFC PLUS the student contribution which is typically 2,500-5000 to be earned over the summer and/or work study during school then ED is a fine way to go. We did get a substantial merit award at one of the schools though which probably would not be the case for ED because they aren’t trying to woo you.