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Financial need is a student's calculated eligibility for financial assistance which is determined by subtracting the EFC (Expected Family Contribution) from the COA (Cost of Attendance).

Cost of Attendance - Expected Family Contribution = Financial Need

Many types of financial aid are offered based on financial need and are provided to help meet that need.  Some grant and scholarship programs may require information from the FAFSA to determine financial need.  So, it’s in your best interest to complete the FAFSA every year to increase opportunities for financial assistance. 

Most federal student aid programs require a student to have financial need, except for Direct Unsubsidized and Direct PLUS (Parent) Loans.

Expected Family Contribution (EFC)

Your EFC is a number used to determine your federal financial aid eligibility. It measures the strength of your family's resources and its ability to contribute toward your cost of attendance. Your EFC figure is determined by an objective, congressionally approved need analysis formula. It is not the amount of money that your family must provide. 

All data used to calculate your EFC comes from the information you provide on the FAFSA. Your family's income (taxable and untaxed) and assets are considered in determining your EFC. Your family size and the number of family members who will be attending a college or career school are also considered. 

The EFC Formula Guide can assist you in calculating your EFC.

Cost of Attendance (COA)

When you apply for federal student aid, the Financial Aid Office uses your COA in determining how much aid you can receive. The COA is the total estimated cost for a student to attend a particular school – expressed as a yearly figure. It is determined using rules established by law.

Cost of Attendance Example for 2022-23

Below is an example of the estimated academic year costs for an independent student who is a Johnson County resident living in an apartment and enrolled in a total of 24 credit hours for the 2022-2023 school year.

$  2,328 – tuition and fees
$  1,560 – books and supplies
$ 12,146 – housing and food
$  2,520 – transportation costs
$  8,250 – miscellaneous and personal expenses
$       40 – loan fees

$26,844 = total cost of attendance

Standard expenses include the items listed above. Other costs that can be added to COA are dependent care, study-abroad expenses and costs related to a disability. If you have those or any additional expenses while attending JCCC, not adequately covered in the standard budget, contact the Financial Aid Office to see if you qualify to have these included in your COA.

Estimate Your Own Cost of Attendance

Students can also use the Net Price Calculator. This calculator provides an estimated net cost of attendance. It includes tuition and required fees, books and supplies, housing and food, and other related expenses — minus estimated grant and scholarship aid for current and prospective students and their families based on what similar students paid in a previous year.

JCCC Financial Aid students that have been packaged can view their personalized cost of attendance through their MyJCCC account:

  1. Log in to MyJCCC.
  2. Select the "My Financial Aid" tab.
  3. Select "Financial Aid Offer/Award".
  4. Select the appropriate "Aid Year" and click "Submit".
  5. Select the "Award Overview" tab.

Changes and Adjustments to Cost of Attendance and Budget

Budget Adjustments

Adjusted Annually – Budgets will be adjusted on August 1 to reflect each student’s actual enrollment. 

Tuition Prorated for Enrollment – The tuition, fees, books and supplies of the budgets will be prorated based on actual enrollment. 

Limitations for Less than Half-Time Enrollment – If you are enrolled less than half-time, budgets are not allowed to have miscellaneous and personal expenses included. 

Changes to Financial Aid Package – Changes to your financial aid offer may be required after the budget adjustments are complete.  If so, you will be notified.

Budgets are Based on Fall Enrollment – The budget will be set for the fall and spring semester based on enrollment for the fall semester. If a student is enrolled in less than full-time hours for the fall semester but increases their hours in the spring, they will need to contact the Financial Aid Office for an increase in their budget.

How Cost of Attendance Budgets Are Calculated

The following factors are taken into consideration when determining cost of attendance budgets:

Tuition is established annually by the JCCC Board of Trustees on a per-credit hour basis. Depending on your verification of residency, your rate is calculated for each of the four residential categories: Johnson County Resident, Non-Johnson County Resident, Metro Rate and Non-Resident. Refer to the current tuition rates by semester and the extended table for each category by the number of credit hours. Budgets may be set up using an estimated cost for tuition rather than actual tuition costs.

Book Costs are based on estimated amounts determined by the JCCC Bookstore for either purchase or rental. The amount currently averages around $65 per credit hour.

Miscellaneous/Housing and Food/Transportation Expenses are costs based off College Board’s Living Expense Budgets. They state that 36% of the budget is Miscellaneous, 53% is Housing (with 30% of that as food) and 11% is Transportation.

Childcare (if added) is based on comparing the Kansas childcare subsidy rate with the rates at the Hiersteiner Child Development Center on campus.

Loan Fees are based on an average of loan fees. All students have it in their budget whether they accept loans or not.

Special Program Fees, if required for specific selective admission programs, may be added automatically to accommodate higher program supply/kit costs.