Financial aid is available to help you pay for college. We use the Cost of Attendance (COA) and Expected Family Contribution (EFC) to determine the amount and types of aid you may be eligible to receive.

  • Cost of Attendance (COA) is an estimate of the cost of attending UMass Lowell for one academic year. COA includes both direct and indirect costs.
  • Expected Family Contribution (EFC) is an estimate of the amount of money you (and your parents, if you are dependent) could reasonably contribute toward college costs. EFC is calculated using the financial information on the FAFSA.
  • Demonstrated Financial Need is calculated by subtracting the EFC from the COA.
  • Example COA - EFC = Demonstrated Financial Need (Need)