I guess I'm lucky - sort of: My EFC is 884, because we have 4 kids and I'm a SAHM.
i'm crying!! my efc was over 5,000, have no clue why, but i also have 4 kids, and dh is the only one working. they told me i could claim 10,000 for every person in the house to see if i qualified, and i know our income wasn't over 60,000, i still need to find my tax papers.
i am also going to a CC. plus, i have added driving and gas expenses, it wouldn't be so bad if i actually lived there i guess!
by the way, in answer to your question, an EFC is "the devil"!!