too bad I can't send it. I have only 1 question left, how do I use the EFC /?
The EFC is an index number that college financial aid staff use to determine how much financial aid you would receive if you were to attend their school. The information you report on your FAFSA form is used to calculate your EFC.
I see what you mean. I'd like to ask you another question regarding the loan.  Is it possible for me to cancel a loan if I decide I no longer need it?
Absolutely, if you do it before your money is disbursed you can cancel all or part of your loan at any time.