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Does an EFC of 0 = Full Tuition Covered?

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Hi, I am a NJ resident and got into PSU University Park, Rowan University, and Rutgers University. My EFC is 0 because my parents only make about 18k a year. My SAT score was 1900 and my unweighted GPA is 3.5, weighted is 3.8. I am also Latino, none of my family members have attended college before. Based off calculators, PSU's estimated cost was 37k, Rowan was 3k, and Rutgers was 5k. Now I am not sure if these are accurate. Will my tuition be covered, and if not, will I have a small gap like the calculator says for Rowan? I am highly interested in attending Penn State, but from the looks of it, I do not think I will be able to.

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