SSS, a third-party, financial aid service, provides an Estimated Family Contribution (EFC) report based on factors such as household income and expenses, number of children in tuitioncharging schools and colleges, and assets and debts. The financial aid committee makes adjustments to this report given case-by-case family information and NMH-specific policies. It is not unusual for a family to expect more aid than the calculation suggests, requiring it to use more of its resources than anticipated. Understanding this, we are always willing to answer your questions about the calculations.