Yeah, student income and assets are weighed more heavily than parents' income and assets in EFC calculation, doesn't matter if you're dependent or independent. The expected contribution from a student's assets is 20% annually (whereas only 5.6% of a parents' assets are considered), so if you have $5000 in a checking account, for instance, your EFC increases by $1000. Also, for student income, there's an income allowance threshold of a couple thousand (I THINK ~$4000). Beyond that, student income is weighed at 50%, which is probably why your EFC is so staggering, even though you barely make anything. In college, family income was weighed much, much lower than student income, so it's not surprising to see the disparity. Good luck, ami.