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( In some cases , depending on specific amounts , some or all of your family contribution may go toward out-of-pocket expenses rather than toward your Mount Holyoke bill . A student in this situation whose aid eligibility turns out to be less than we projected may also find that she is responsible for paying all or part of the Mount Holyoke administrative fee as part of her family contribution . Your calculated family contribution for aid purposes will include about $ 1,800 in expected summer savings . Some students use part of their family contribution to go toward the bill and part to cover indirect expenses . It is sometimes the case that a student who has been approved for a Laurel Fellowship will not be eligible for grant aid after her family contribution is calculated . If there are unusual financial circumstances , such as high medical expenses , loss of employment , or death of a parent , that may affect your ability to pay for your education , you may request professional judgment and appeal for an adjustment to your family contribution . In conclusion , the calculated family contribution combines a parent contribution from income and assets with a student contribution from student-owned assets and summer savings . To help you look ahead and understand our procedures we use to make financial aid decisions , you will find it helpful to understand the major factors which are likely to make a difference in the calculated family contribution and thus in your financial aid . The formula used to calculate family contribution is called the Federal Methodology , and use of this formula is required when colleges include any federal aid programs in a student 's financial aid award . The grant is based on financial need and the amount you receive is determined by your calculated family contribution , your cost of attendance , and your enrollment ( full - , three-quarter - , half - , or less than half-time ) . Your family contribution will go toward the program fee and / or toward your out-of-pocket expenses , rather than being paid to Mount Holyoke . Your family contribution , including your student summer earnings expectation , remains the same as though you were attending Williams . If you would like an early estimate of your calculated family contribution for planning purposes , Bowdoin suggests that you use the Expected Family Contribution calculators located at www.collegeboard.com or www.finaid.org .