Maybe it's me but I'm not understanding how Fin Aid works out for people with EFC of 0.
Most people who are working part-time or during the school year will have an EFC of 0 since FAFSA classifies grad students as independent.
So although I live with my mother and 4 other siblings and she makes 30-35k a year, since my EFC is 0 there's nothing separating me from John Q. Goldstein with an EFC of 0 whose parents make 100k+ a year. So where exactly does the need-based aid take effect? Unless of course none such aid exists
(I'll be at Albany next year.)