As a dependent with an EFC at 20,000 you better plan on getting something from your folks. My EFC never approached $20,000 and I wouldn't have made it without some help from my folks. Remember, if you were independent you'd likely be eligible for Pell Grants and other aid. Being a dependent catches your parents some nice tax breaks, so it isn't wrong for you to expect some sort of help from them. I kept it to a minimum. If I had a stretch where I couldn't pay my rent for a month, they'd help. I'm not saying you should expect $20,000 a year from them, but have a talk with them and get on the same page.