Your family size is determined by counting you, your spouse, and your children if your children receive more than half of their support from you. Your family size also includes other individuals if they (1) live with you and (2) receive more than half of their support from you and will continue to receive this support for the year you certify family size. Support includes money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs.

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Any Direct Subsidized Loan, Direct Unsubsidized Loan, Subsidized Federal Stafford Loan, Unsubsidized Federal Stafford Loan, Direct or FFEL PLUS Loan for graduate students, or Direct or FFEL Consolidation Loan that did not repay any PLUS loans (Direct or FFEL) made to parents.

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We've prefilled this field with 6.8% since that's the most common student loan interest rate. To get a more precise estimate, you should enter the average interest rate for all of your eligible loans.

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We suggest you use your most recent federal income tax return to get an estimate of your current AGI. On your federal income tax return, please refer to

• Line 4 on Form 1040EZ
• Line 21 on Form 1040A
• Line 37 on Form 1040

If your income has changed from the amount on your last federal income tax return, you can enter a more current amount.

Note: If you filed single last year and you plan to file a joint return this year, then add your spouse's AGI to yours when estimating your current AGI.

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