It depends on the cost of your university. The amount of federal student aid that you receive will be the same no matter which school you choose. That amount is often enough to cover the full cost at a CC, but not necessarily at a university because the university costs more than the amount of the aid. For example, if you are a 3rd year dependent student with a 0 EFC, you could expect to receive a Pell grant of $5980 and federal student loans up to $12,500. If you attended a CC that costs $18000, then that amount would cover your entire cost. However, if you attend a university that costs $25,000 per year, then that amount won't cover it, and you'll have to pay the difference (unless your school has other sources of aid to offer you, such as a scholarship from its own resources.) Most colleges have a net price calculator on their website. If you enter your information it will give you an idea of what you can expect.