A 0 EFC is very good. It means your cost of schooling will be entirely funded by something. It may be grants, scholarships, or loans. Odds are it will be a combination. By the way, any Stafford loan you get you should take whether you need the money or not. You can't beat 0% interest for 4 years.As for where your money goes, it varies with each school. The school's financial aid office will get your money. They will probably pay your tuition and fees with it and then send you a check for whatever is left over. However, not all schools do that. Check and make sure, because most loans aren't received until after the payment date has passed.
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