St. Clair County Community College

Higher education for the Blue Water Area and beyond

How Aid is Determined

Financial aid

How aid is determined

Your financial aid award from SC4 is based on your financial needs. SC4 calculates your financial needs by taking into consideration your Expected Family Contribution and your estimated Cost of Attendance at SC4.

Your FAFSA results determine your Expected Family Contribution (EFC) each year. 

A formula called Federal Methodology, legislated by Congress, uses information from your FAFSA and an analysis of your family’s financial situation to calculate the EFC, which is made up of two parts:

Parent contribution: The amount parents are expected to contribute based on their taxable and non-taxable income and assets, as well as considering living expenses (based on family size), taxes paid, the number of siblings in college, and asset protection for retirement. The parent contribution is only calculated into the EFC of dependent students.

Student contribution: This is the portion of the EFC that you, the student, are expected to contribute from your income and a percentage of your savings and other assets.

Cost of attendance is an average based on tuition and fees, room and board, transportation, books and supplies and other expenses associated with attending SC4 for an academic year. The Cost of Attendance for the average in-district, full-time student at SC4 is approximately $12,737 for the 2017-18 academic year.

Considering both Expected Family Contribution and the Cost of Attendance, your aid is determined as follows:

Cost of Attendance – Expected Family Contribution = Financial Need