Financial Aid

Information For


Aid Programs

Academic Standards for Aid

Apply Now

Learn More

Visit Us

SUNY Smart Track Financial Literacy Logo

How Is Financial Aid Eligibility Determined?

Cost of Attendance

Eligibility Calculation
COA - EFC = Unmet Financial Need

Cost of attendance (COA) is the sum total of the expenses we expect the student to incur during his/her enrollment.

These expenses include billed costs such as tuition, mandatory and optional fees, room rent and meal plan. Also included are non-billed expenses such as books, off-campus rent, food, transportation costs and personal expenses like clothing and entertainment. A student can view his/her COA on Banner Web. Once logged in, follow these links: Financial Aid Menu > Financial Aid Status > select the aid year > click on "Cost of Attendance".


A students EFC, or Expected Family Contribution, is a figure calculated using a federal formula and the information provided on your FAFSA.

The EFC represents the amount of money you and your family can reasonably contribute  toward your education for the year based upon a standardized federal formula. Your EFC does not necessarily represent the amount you and your parents will have to pay out of pocket. What sources of financial aid become available to you versus your cost of attendance will determine the amount you will owe.

Unmet Need

Unmet need is the difference between the students COA and EFC.

This calculation is what our office will use as the basis for awarding eligibility in the various federal, state, institutional and private aid programs we participate in. Your award letter reflects the sources of financial aid you qualify for based on this calculation, availability of funds, and other program criteria.

Contact Information

For more information about Financial Aid at SUNY Plattsburgh, please contact:

Financial Aid Office
Location: Kehoe Administration Building, Suite 401-410
Phone: (518) 564-2072
Toll-Free Phone: (877) 768-5976
Fax: (518)564-4079

Our mailing address:

Financial Aid Office
SUNY Plattsburgh
101 Broad Street
Plattsburgh, NY 12901-12681