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cljohnr
Am I correct in understanding that unsubsidized Stafford loans have no relation to your EFC, as they are not "need based"?
Long Road
Pulled from elsewhere on the web:

QUOTE
Basically, if you have need according to federal methodology, you can be awarded a subsidized. If your EFC is higher than the cost of attendance, you can only get an unsubsidized.


You could of course verify this with the school or Federal Student Aid.
Cynic
I agree with what Long Road quoted.
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