EFC Calculation for Non-Custodial Parent

Question: My daughter is a 10th grader who will eventually apply to colleges that use the CSS profile. Her mother and I are divorced, and I will be required to fill out the non-custodial parent form as part of the college admissions process. Thus, I'm trying to figure out how I will be able to determine or estimate the amount of my EFC as the non-custodial parent so that I can start preparing for my obligation instead of waiting for the student aid report. How is the EFC calculated for the non-custodial parent using CSS profile? Is it done in two parts ... one EFC for the custodial parent and one EFC for the non-custodial parent?

As one financial aid expert has put it, "Colleges don't like to be social workers." What that means for you is that they will compute your daughter's EFC based on a bunch of potentially complicated factors (more on that in a minute) and then give you the bottom line--a total. You and your ex must then duke it out to determine who pays what. In other words, there's nothing that says, "This is Dad's official share, and this is Mom's."

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