What is EFC / SAI on your award letter?
Is it money or a bill?
It's an index number, not a bill and not aid — never add it to your aid.
The Student Aid Index (SAI, formerly Expected Family Contribution / EFC) is a number from your FAFSA that schools use to calculate aid eligibility. It is not the amount you'll pay and not part of your aid — despite sometimes appearing near the dollar figures on a letter.
What it looks like on your letter
EFCExpected Family ContributionSAIStudent Aid IndexNot sure how this affects your price?
Decode your award letter and we'll separate real aid from loans automatically.
Decode my letter