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THE WHOLE SYSTEM IS BROKEN!! My daughter is in her 3rd year of medical school, TWENTY-THREE YEARS OLD, hasn't lived at home in 5 years, files her own taxes, pays all her own bills, yet STILL has to put our information on her FAFSA because she's not 24!!! She lost out on so much aid because of our income even though we can barely help her at all with the astronomical cost of medical school. And don't even get me started on the CSS Profile some schools require - it's even MORE invasive than FAFSA! The system is designed to prevent students from getting aid, not help them.
While the frustration is understandable, I want to clarify that the system isn't designed to prevent aid - it's just operating on outdated assumptions about family financial responsibility. The 24-year age threshold was established decades ago when fewer students were financially independent before that age. For medical students specifically, there are targeted loan forgiveness programs like Public Service Loan Forgiveness (PSLF) and state-specific programs for practicing in underserved areas. These can be more valuable in the long run than the need-based aid she might have qualified for as an independent student.
Thank you everyone for the helpful information! We've decided to: 1. Complete the FAFSA with our information as required 2. Request a professional judgment review with detailed documentation of her situation 3. Research nursing-specific scholarships and loans 4. Look into hospital tuition reimbursement programs in her area It's frustrating that the FAFSA rules don't account for these intensive healthcare programs where students truly are living independently year-round, but at least we have some options to explore. I'll update if we have any success with the professional judgment review!
Great plan! One more tip: when submitting the professional judgment request, focus on any unusual financial circumstances your family might have rather than just the independent living situation. Financial aid offices have more flexibility to adjust for things like medical expenses, job loss, or supporting multiple college students simultaneously than they do for changing dependency status.
btw if ur only getting sub/unsub loans why not just do a private loan? way less hassle and probably better rates if u have decent credit
I've thought about it, but federal loans have so many more protections - income-driven repayment, forbearance options, potential forgiveness programs. Private loans don't offer any of that flexibility.
Special circumstances are the WORST!!! My parents lost their business in 2023 and I had to do a special circumstances request. Took FOREVER and the school kept asking for more and more documents every few weeks. Make sure you call your financial aid office regularly - the squeaky wheel gets the grease! I swear they processed mine faster just to stop me from calling them lol
anyone else notice how the dependency verification questions changed this year? my son is definitely independent (he's 24 and files his own taxes) but the system kept rejecting his status. had to answer the special circumstances questions to get it to accept his status.
This is a really important point. The 2025-2026 FAFSA made subtle changes to dependency questions. Even being 24 doesn't automatically qualify as independent anymore - they look at the tax filing status from the previous year too. The special circumstances section is much more important now for borderline cases.
UPDATE: We finally got through it!!! Combination of things worked: 1. Used Chrome in incognito mode 2. Entered all tax info manually (no IRS tool) 3. Fixed our mortgage amount (current balance) 4. Logged in at 5:30am when the site was faster And we got our official SAI calculation! So much relief. Thanks everyone for your help and suggestions. For anyone else struggling - don't give up, and try early morning hours when the site seems to work better.
That's fantastic! Glad to hear you got it working. The 5:30am timing is definitely a pro tip for others. When you have a moment, what was your daughter's SAI compared to what you expected? Many people are finding the new formula quite different from the old EFC calculation.
Quick note on timing: The 2025-2026 FAFSA should be available on October 1, 2024. However, after last year's delayed rollout and technical issues, I recommend checking the studentaid.gov website regularly for any announcements about the release date. Set a calendar reminder to complete it as soon as it's available, as some schools award institutional aid on a first-come, first-served basis.
Another important detail: Make sure you list the same schools on your 2025-2026 FAFSA that you'll be attending. Even if you're already enrolled when you complete it, you still need to include your school's code on the new application. Each FAFSA is treated as a separate application, and schools only receive the data for the specific aid years where you've listed them.
Zainab Khalil
I think people are overthinking this. My daughter applied for fafsa last yr and we're a military family too. She just listed me (mom) as parent even though my husband is the service member. We got all the military benefits and she got a great financial aid package. As long as you check the military box and list his service correctly you should be fine.
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Fatima Al-Mazrouei
UPDATE: I spoke with my daughter's college financial aid office, and they confirmed that either parent can be the contributor! I'm going ahead with completing the application as-is. Thanks everyone for your help and advice - especially about marking my husband's military status correctly. So relieved we don't have to start over from scratch!
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NebulaKnight
•awesome! glad it worked out 👍
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