/**
* Calculates Discretionary Net Worth contribution
* @param EfcCalculationRole $role Subject's role within the calculation
* @param MaritalStatus $maritalStatus Marital status
* @param int $age Age
* @param float $cashSavingsCheckings Cash, savings, and checkings value
* @param float $investmentNetWorth Net worth of investments
* @param float $businessFarmNetWorth Net worth of business and/or investment farm
* @return float
*/
public function calculateDiscretionaryNetWorth($role, $maritalStatus, $age, $cashSavingsCheckings, $investmentNetWorth, $businessFarmNetWorth)
{
$discretionaryNetWorth = 0;
$discretionaryNetWorth += $this->calculateNetWorth($role, $cashSavingsCheckings, $investmentNetWorth, $businessFarmNetWorth);
$discretionaryNetWorth -= $this->calculateAssetProtectionAllowance($maritalStatus, $age);
return EfcMathHelper::round($discretionaryNetWorth);
}
/**
* Calculates Available Income
* @param EfcCalculationRole $role Subject's role within the calculation
* @param float $totalIncome Total income
* @param float $totalAllowances Total allowances
* @return float
*/
public function calculateAvailableIncome($role, $totalIncome, $totalAllowances)
{
$availableIncome = EfcMathHelper::round($totalIncome - $totalAllowances);
// The available income for Dependent Students and Independent Students Without Depends is
// multiplied by an assessment percent
if ($role == EfcCalculationRole::DependentStudent || $role == EfcCalculationRole::IndependentStudentWithoutDependents) {
return $availableIncome < 0 ? 0 : EfcMathHelper::round($availableIncome * $this->_constants->aiAssessmentPercent);
}
return $availableIncome;
}
/**
* Calculates student contribution (SC) and expected family contribution (EFC) for an independent student
* @param IndependentEfcCalculatorArguments $args Parameters for the calculation
* @return EfcProfile
*/
public function getIndependentEfcProfile($args)
{
if ($args->numberInCollege <= 0 || $args->monthsOfEnrollment <= 0 || $args->student == null) {
return new EfcProfile(0, 0, 0, 0);
}
$role = $args->hasDependents ? EfcCalculationRole::IndependentStudentWithDependents : EfcCalculationRole::IndependentStudentWithoutDependents;
$workIncome = 0;
$householdMembers = array($args->student);
$workIncome += $args->student->isWorking ? $args->student->workIncome : 0;
if ($args->spouse != null) {
if ($args->spouse->isWorking) {
$workIncome += $args->spouse->workIncome;
}
$householdMembers[] = $args->spouse;
}
$simpleIncome = $args->areTaxFilers ? $args->adjustedGrossIncome : $workIncome;
// Determine Auto Zero EFC eligibility
if ($args->isQualifiedForSimplified && $role == EfcCalculationRole::IndependentStudentWithDependents && $simpleIncome <= $this->_constants->autoZeroEfcMax) {
return new EfcProfile(0, 0, 0, 0);
}
// Student's Total Income
$totalIncome = $this->_incomeCalculator->calculateTotalIncome($args->adjustedGrossIncome, $workIncome, $args->areTaxFilers, $args->untaxedIncomeAndBenefits, $args->additionalFinancialInfo);
// Student's Total Allowances
$totalAllowances = $this->_allowanceCalculator->calculateTotalAllowances($role, $args->maritalStatus, $args->stateOfResidency, $args->numberInCollege, $args->numberInHousehold, $householdMembers, $totalIncome, $args->incomeTaxPaid);
// Student's Available Income (Contribution from Available Income)
$availableIncome = $this->_incomeCalculator->calculateAvailableIncome($role, $totalIncome, $totalAllowances);
// Determine Simplified EFC Equation Eligibility
$useSimplified = $args->isQualifiedForSimplified && $simpleIncome <= $this->_constants->simplifiedEfcMax;
// Student's Contribution From Assets
$assetContribution = 0;
if (!$useSimplified) {
$assetContribution = $this->_assetContributionCalculator->calculateContributionFromAssets($role, $args->maritalStatus, $args->age, $args->cashSavingsCheckings, $args->investmentNetWorth, $args->businessFarmNetWorth);
}
// Student's Adjusted Available Income
$adjustedAvailableIncome = $availableIncome + $assetContribution;
// Student Contribution From AAI
$studentContributionFromAai = $this->_aaiContributionCalculator->calculateContributionFromAai($role, $adjustedAvailableIncome);
// Student's Contribution
$studentContribution = EfcMathHelper::round($studentContributionFromAai / $args->numberInCollege);
// Modify Student's Available Income based on months of enrollment
if ($args->monthsOfEnrollment < self::DefaultMonthsOfEnrollment) {
// LESS than default months of enrollment
$monthlyContribution = EfcMathHelper::round($studentContribution / self::DefaultMonthsOfEnrollment);
$studentContribution = $monthlyContribution * $args->monthsOfEnrollment;
}
// For MORE than default months of enrollment, the standard contribution is used
$profile = new EfcProfile($studentContribution, 0, $studentContribution, 0);
return $profile;
}
