SSS, by NAIS, a third-party, financial aid service, provides an Estimated Family Contribution (EFC) report based on factors such as household income and expenses, number of children in tuition-charging schools and colleges, and assets and debts. The financial aid committee makes adjustments to this report, given case-by-case family information and NMH-specific policies. It is not unusual for a family to expect more aid than the calculation suggests, requiring more resources than anticipated. Understanding this, we are always willing to answer your questions about the calculations.