COA - Cost of Attendance
EFC - Expected Family Contribution
Every year I hear that so-and-so got a full scholarship to [insert team here] for four years and everything is paid for. Knowing how these "full-rides" are calculated, many times the football program winds up paying for a considerably small percentage of the "athletic scholarship" money to obtain that student-athlete's services in exchange for a free education for four years. For example, when I transferred from a D2 to a D1 football program, I had to sit out a full year before I could become eligible, per NCAA transfer rules. I then was considered an "independent", as I was 19 years old and not under my parents roof. I was able to get my total cost down to $780, which included books and other school expenses. Well, how is it that the cost to attend was 28,000 roughly, per year and by claiming I was a broke 19 year old (independent), I was eligible for substantial financial aid from our United States Government? Let's go over how you can get this number down before any football money is awarded, as well.
Various Types of Student Aid
These are known as "FREE MONEY", when it comes to grants or scholarships, grants tend to be need-based and scholarships are based on "merit" or performance. You do not have to repay these and it is your money to pay for your schooling. These can be awarded by the federal government, your state government, your college, or a private or non-profit organization. Always read the fine print, as some of these grants have stipulations and if you do not finish school or drop out, you will have to repay all of grant money.
Types of Federal Grants
Federal Pell Grant - Maximum amount $6,095
Federal Supplementation Educational Opportunity Grant
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