Can both parents claim same child on FAFSA if they're both college students?
I'm in a really confusing situation with my FAFSA application. My boyfriend and I are both full-time college students at the same university, and we have a 2-year-old daughter together. We share custody and expenses 50/50, and we're both independent students. When filling out our separate FAFSA applications for the 2025-2026 year, can we BOTH list our daughter as a dependent? The online instructions are super unclear, and I'm worried we'll get flagged for verification if we both claim her. Has anyone been in a similar situation or know what the correct approach is? Would one of us get more financial aid than the other if only one of us lists her as a dependent?
42 comments


Amara Eze
This is actually a common question with a clear answer: No, you cannot both claim the same child as a dependent on your FAFSA applications. Even though you both financially support your daughter, for FAFSA purposes, only ONE parent can count a child in their household size and as a dependent. If you both try to claim her, one or both of your applications will likely be flagged for verification, which can delay your financial aid packages significantly.
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Liam McGuire
•Thank you for clarifying! That's what I was afraid of. Do you know how we should decide which one of us should claim her? Would it make a difference in our aid eligibility?
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Giovanni Greco
If both you and your boyfriend are independent students, you need to decide which household your daughter will be counted in for FAFSA purposes. Generally, you should have the parent with the lower income claim the child as this will likely result in a lower Student Aid Index (SAI) and potentially more aid. Review both your financial situations and make a strategic decision based on who would benefit more from the additional dependent in their household size.
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Liam McGuire
•That makes sense! My boyfriend's income is about $7,000 higher than mine, so it sounds like I should probably be the one to claim her on my FAFSA.
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Fatima Al-Farsi
I tried to do this last yr with my ex and we BOTH got selected for verification!! It was a NIGHTMARE. The school financial aid office made us provide custody documents and everything. In the end only I could claim our son and my ex had to submit a correction. Wasted like 6 weeks of processing time smh
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Liam McGuire
•Omg that sounds awful! Thanks for sharing your experience - definitely want to avoid that headache!
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Dylan Wright
cant u guys just file together since ur both the parents? why would u need separate applications
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Amara Eze
•FAFSA applications are always filed individually by each student seeking financial aid. There's no such thing as a joint FAFSA application, even for married couples or parents who are both students. Each student must complete their own FAFSA, and in this case, they need to coordinate who claims the dependent child.
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Sofia Torres
My sister and her boyfriend were in this exact situation! Here's what they did: they alternated years. He claimed their son one year, she claimed him the next. The financial aid office said this was fine as long as they were consistent and could document their arrangement. Maybe consider something like that?
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Liam McGuire
•That's an interesting approach! Did they find that it made a significant difference in their aid amounts when they switched?
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Sofia Torres
•Yeah actually it did help my sister get more grants in the years she claimed my nephew! Her boyfriend got more Parent PLUS loans when it was his turn. They just had to be super clear with financial aid about what they were doing.
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GalacticGuardian
When I was trying to reach FSA about a similar situation last semester, I was on hold for over 3 hours and kept getting disconnected. I finally used a service called Claimyr (claimyr.com) that held my place in line and had an agent call me back. Saved me so much time and the agent was actually able to review my specific situation. They have a video showing how it works at https://youtu.be/TbC8dZQWYNQ. It was definitely worth it to get a definitive answer directly from FSA about how to handle dependents when both parents are students.
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Liam McGuire
•Thank you for this tip! I've been trying to call FSA for days without getting through. I'll check out that service.
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Dmitry Smirnov
This is EXACTLY why the FAFSA system is broken!!!! Families come in all shapes and sizes now but the form is still stuck in the 1950s assuming traditional family structures. Both parents SHOULD be able to claim their child because you're BOTH supporting them! The whole system needs an overhaul. I've been fighting with financial aid for 3 years over similar issues.
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Giovanni Greco
•While I understand your frustration, the issue is less about family structures and more about preventing double-counting of dependents, which would create inconsistencies in the federal financial aid formulas. The 2024-2025 FAFSA simplification actually addressed many concerns about diverse family structures, though this specific issue remains because it relates to the accuracy of the SAI calculation.
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Dmitry Smirnov
•That's just making excuses for a broken system! They could easily create a special formula for split households where both parents are students. Other countries have figured this out!
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Amara Eze
Important note: If you're not married but living together and both supporting your child, the Department of Education considers this situation under their rules for "unmarried and both parents living together." In the simplified FAFSA, both parents would normally provide information on one application. Since you're both students filing separate FAFSAs, you should consult directly with your school's financial aid office about the correct approach for your specific situation.
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Liam McGuire
•This is really helpful context. I'll definitely make an appointment with our financial aid office to discuss our specific situation.
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Fatima Al-Farsi
does ur school have a childcare grant?? mine does for student parents and its like $3k per semester!! def ask about that when u talk to financial aid!!
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Liam McGuire
•I had no idea that was even a thing! I'll definitely ask about it. Thanks for the tip!!
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Liam O'Reilly
Just wanted to add that you should also check if your state has any additional aid programs for student parents. Some states have specific grants or scholarships for parents pursuing higher education that aren't tied to FAFSA dependency status. Also, make sure to apply for the Federal Pell Grant early - as an independent student with a dependent child, you'll likely qualify for the maximum amount regardless of which parent claims her on FAFSA. The key is getting your applications submitted as soon as possible after October 1st when the new FAFSA opens.
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Lucas Adams
As a newcomer to this situation, I want to thank everyone for all the helpful advice! I'm actually in a very similar position - my partner and I are both students with a young child, and I was completely lost on how to handle the FAFSA dependency question. Reading through all these responses has been incredibly enlightening. It sounds like the key takeaways are: 1) Only one parent can claim the child to avoid verification issues, 2) The parent with lower income should probably claim the child for better aid eligibility, 3) Consulting directly with the financial aid office is essential, and 4) There might be additional childcare grants and state programs to explore. I'm definitely going to follow up on that Claimyr service mentioned too since getting through to FSA has been impossible. Thanks again everyone - this thread is going to save me so much stress and confusion!
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Christian Burns
•Welcome to the community! I'm glad this thread has been helpful for you too. You've summarized the key points perfectly. One thing I'd add from my own experience is to document everything when you make your decision about which parent claims the child - keep records of your income comparison, any communication with financial aid offices, and your reasoning. This can be really helpful if you ever get selected for verification later. Also, don't forget to update your FAFSA if your financial situation changes significantly during the year. Good luck with your applications!
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Caleb Stark
As someone who just went through this exact situation last year, I can confirm what others have said - you absolutely cannot both claim your daughter on your FAFSAs. My partner and I learned this the hard way when we both initially listed our son and got flagged for verification. What worked for us was having the parent with lower income claim our child, which in our case resulted in about $2,800 more in Pell Grant funding compared to if the higher-earning parent had claimed him. Also, definitely ask your financial aid office about emergency childcare funds - many schools have these but don't advertise them well. Our school had a one-time $1,500 emergency grant for student parents that really helped with daycare costs. Make sure you coordinate with your boyfriend before submitting and maybe even get your decision in writing to the financial aid office to avoid any confusion later!
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Ethan Clark
•This is incredibly helpful information, thank you for sharing your real experience with the numbers! The $2,800 difference in Pell Grant funding really puts things in perspective - it's definitely worth doing the income comparison carefully. I had no idea about emergency childcare funds either, that's another great resource to look into. Getting the decision in writing to the financial aid office is smart advice too. It's reassuring to hear from someone who actually navigated this successfully, even if you had to learn the hard way initially. Did you run into any other unexpected issues or find any other helpful resources during the process?
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Emma Wilson
As a newcomer to this community, I want to say how incredibly helpful this thread has been! I'm actually facing a very similar situation - my girlfriend and I are both students with a 3-year-old, and we were completely confused about the FAFSA dependency rules. Reading through everyone's experiences has been a real eye-opener. The advice about having the lower-income parent claim the child makes total sense from a financial aid strategy perspective. I'm also grateful for the tip about Claimyr for getting through to FSA - we've been trying to call for weeks with no luck. One question I have is whether the decision about which parent claims the child can be changed from year to year, or if you need to stick with the same parent throughout college? Also, has anyone had experience with how this affects state financial aid programs, or is it mainly just the federal aid that's impacted?
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Raúl Mora
•Welcome Emma! Great questions. From what I've learned through this process, you can actually change which parent claims the child from year to year - there's no requirement to stick with the same parent throughout college. Some families even alternate years strategically based on changing income levels or circumstances. As for state aid, it varies significantly by state. Some state programs use your federal SAI (Student Aid Index) directly from FAFSA, so they'd be affected the same way as federal aid. Others have their own formulas and might not care as much about dependents. I'd recommend checking your state's financial aid website or calling them directly - many states have much shorter wait times than FSA! Also, don't forget to look into your school's institutional aid policies too, as some schools have their own grants for student parents that operate independently of both federal and state programs.
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Fernanda Marquez
As a newcomer to this community, I just want to say thank you to everyone who has shared their experiences here! I'm in almost the exact same boat - my partner and I are both full-time students with a 4-year-old daughter, and we were completely stumped about the FAFSA dependency situation. This thread has been incredibly valuable in helping us understand that we can't both claim her and that we need to strategically decide which one of us should list her based on income levels. I'm definitely going to follow the advice about documenting our decision and communicating with our financial aid office upfront. The tips about additional resources like childcare grants and state programs are also really helpful - I had no idea these existed! One follow-up question for those who have been through this: when you say "lower income," are you referring to just the student's income, or does it include spouse/partner income as well for independent students? We both work part-time while in school, so I want to make sure we're comparing the right figures when making this decision.
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Camila Castillo
•Welcome to the community, Fernanda! That's a really important question about income calculations. For independent students on FAFSA, they look at YOUR income specifically, not your partner's income (since you're not married). So when people are saying "lower income parent should claim the child," they're referring to comparing your individual income versus your partner's individual income from work/taxes. However, there's one key thing to keep in mind - if you and your partner are living together and both supporting your daughter, the new FAFSA rules might actually require both of your incomes to be reported on one application anyway, which could complicate this strategy. This is definitely one of those situations where sitting down with your financial aid office is crucial, because the rules around unmarried parents living together have gotten more complex with the FAFSA updates. Make sure to bring documentation of both your individual incomes when you meet with them!
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Henry Delgado
As a newcomer to this community, I'm so grateful for all the detailed advice shared here! I'm actually in a nearly identical situation - my partner and I are both undergraduate students with a 2-year-old son, and we were completely lost about how to handle the FAFSA dependency question. Reading through everyone's experiences has been incredibly enlightening, especially the real-world examples of verification issues and the specific dollar amounts people have shared about aid differences. The consensus seems clear that only one parent can claim the child, and the strategic advice about having the lower-income parent do it makes total sense. I'm particularly interested in the alternating years approach that Sofia mentioned - that seems like it could maximize aid over time if our income situations change. I'm definitely going to schedule an appointment with our financial aid office armed with all this information, and I'll look into those childcare grants and emergency funds that several people mentioned. One additional question for the group: has anyone dealt with this situation when the parents attend different schools? Do both financial aid offices need to be informed of the arrangement, or just the one where the parent claiming the child attends?
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Ryder Greene
•Welcome Henry! Great question about different schools. From my experience, you typically only need to inform the financial aid office at the school where the parent claiming the child attends, since that's where the dependent will appear on the FAFSA. However, it's actually a good idea to give the other school's financial aid office a heads up too, especially if they ask questions during verification or if you're applying for any school-specific aid programs that consider family size. Some schools have their own grants for student parents that might be available regardless of FAFSA dependency status. When I dealt with this, both schools appreciated the transparency, and one even pointed me toward additional resources I didn't know existed. Also, if you do decide to alternate years like Sofia's sister did, definitely keep both schools in the loop about your plan so there's no confusion when the dependency switches. Documentation is key - keep records of your communications with both financial aid offices!
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Romeo Barrett
As a newcomer to this community, I want to express how incredibly helpful this entire discussion has been! I'm currently facing this exact situation with my partner - we're both full-time students with a 3-year-old daughter, and we were completely overwhelmed trying to figure out the FAFSA dependency rules. This thread has provided such valuable real-world insights that you just can't find in the official documentation. The clear consensus that only one parent can claim the child, combined with the strategic advice about income comparisons and the potential for alternating years, gives us a solid framework to work with. I'm particularly grateful for the warnings about verification issues and the practical tips about documentation and communicating with financial aid offices proactively. The information about additional resources like childcare grants and state programs is also incredibly valuable - I had no idea these opportunities existed! I'm definitely going to try that Claimyr service to get through to FSA, and I'll be scheduling an appointment with our financial aid office armed with all the questions and strategies discussed here. It's so reassuring to connect with other student parents who have navigated these challenges successfully. Thank you all for creating such a supportive and informative community!
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Mia Green
•Welcome to the community, Romeo! I'm so glad this thread has been helpful for you and your partner. It's really wonderful to see how supportive this community is for student parents facing these complex FAFSA situations. One thing I'd add based on what everyone has shared is to make sure you and your partner are on the same page about your decision before submitting either application - communication is key to avoiding those verification headaches that Fatima mentioned. Also, when you do meet with your financial aid office, consider asking them if they have any specific forms or processes for documenting your arrangement, since some schools have gotten more organized about handling these situations. The fact that so many people here have faced similar challenges really shows how common this situation is becoming, and hopefully, the guidance shared here will help you navigate it much more smoothly than those who had to figure it out the hard way. Best of luck with your applications, and don't hesitate to come back and share your experience - it could help the next family in this situation!
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QuantumQuasar
As a newcomer to this community, I'm incredibly grateful for this comprehensive discussion! My partner and I are both students with a 1-year-old, and we were completely confused about FAFSA dependency rules until reading through all these responses. The clarity everyone has provided about only one parent being able to claim the child, along with the strategic income-based decision making, has been invaluable. I'm particularly thankful for the real-world experiences shared - like Fatima's verification nightmare and Caleb's specific dollar amounts showing the aid difference. The tips about Claimyr for reaching FSA, checking for childcare grants, and proactively communicating with financial aid offices are all going on my to-do list. One question I have is about timing - if we decide the lower-income parent should claim our daughter, but our income situations might change during the school year (like if one of us gets a better work-study position), can we submit a FAFSA correction to switch who claims the dependent, or are we locked into our initial decision for that aid year?
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Natasha Petrova
•Welcome to the community, QuantumQuasar! That's a really insightful question about timing and corrections. From what I understand about FAFSA corrections, you generally can't switch which parent claims a dependent child mid-year just because of income changes - the dependency determination is typically locked in for that aid year once processed. However, if there's a significant change in your family circumstances (like a major income loss, change in custody arrangement, or other qualifying life event), you might be able to work with your financial aid office on a "professional judgment" review. They have some discretion to make adjustments in exceptional cases. Your best bet is to make the strategic decision upfront based on your expected income for the full year, not just current earnings. If one of you does get a significantly better work-study position, that could actually be valuable information for planning next year's FAFSA rather than trying to change the current year. Definitely bring this timing question up when you meet with your financial aid office - they'll know their specific policies and can advise you on the best approach for your situation!
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Evelyn Kelly
As a newcomer to this community, I want to thank everyone for such an incredibly thorough and helpful discussion! My partner and I are both full-time students with a 6-month-old son, and we were completely lost trying to navigate the FAFSA dependency situation. Reading through all these responses has been like getting a masterclass in student parent financial aid strategy. The consensus is crystal clear - only one parent can claim the child to avoid verification issues, and the strategic approach of having the lower-income parent do it makes perfect financial sense. I'm particularly grateful for the real-world examples shared, like the $2,800 Pell Grant difference Caleb mentioned and Fatima's cautionary tale about verification delays. The tips about additional resources (childcare grants, emergency funds, state programs) and services like Claimyr are going straight to my action list. I'm also impressed by how supportive this community is - seeing so many people in similar situations sharing practical advice gives me confidence that we can navigate this successfully. I'll definitely be scheduling that financial aid office meeting and making sure my partner and I coordinate our decision before submitting anything. Thanks for creating such a valuable resource for student parents!
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Jacinda Yu
•Welcome to the community, Evelyn! I'm so glad you found this discussion helpful - it really shows how valuable it is when people share their real experiences with these complex FAFSA situations. You're absolutely right that the consensus here is clear and the strategic approach makes sense. One thing I'd add based on everything that's been shared is to consider creating a simple spreadsheet or document tracking your decision-making process (income comparison, reasoning, communications with financial aid, etc.) - this could be really helpful not just for this year but also for future years when you're deciding whether to stick with the same arrangement or potentially switch. Also, with a 6-month-old, you might want to ask your financial aid office specifically about any emergency childcare assistance or student parent support programs early in the process, since having documentation of these conversations could be useful if you need additional support later. The fact that you're approaching this proactively rather than reactively puts you in a much better position than many families who discover these issues too late. Best of luck with your applications, and please consider sharing your experience once you've gone through the process - it could help future student parents in similar situations!
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ApolloJackson
As a newcomer to this community, I'm so thankful for finding this incredibly detailed discussion! My girlfriend and I are both pursuing our degrees while caring for our 18-month-old daughter, and we were completely stumped about the FAFSA dependency rules until stumbling across this thread. The wealth of knowledge and real-world experiences shared here has been absolutely invaluable - from the clear consensus that only one parent can claim the child, to the strategic income-based approach, to all the additional resources like childcare grants and emergency funds that I never knew existed. I'm particularly grateful for the specific examples like Caleb's $2,800 Pell Grant difference and the cautionary stories about verification delays. The tip about Claimyr for reaching FSA is going to be a lifesaver since we've been stuck in phone queue hell for weeks! I love how supportive everyone has been in sharing both successes and mistakes - it really helps newcomers like me feel less overwhelmed by this process. I'm definitely going to schedule a proactive meeting with our financial aid office armed with all the questions and strategies discussed here, and I'll make sure my girlfriend and I coordinate our decision carefully before submitting. This community is such a valuable resource for student parents navigating these complex situations!
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CosmicCommander
•Welcome to the community, ApolloJackson! I'm so glad you found this thread helpful - it's amazing how much collective wisdom has been shared here. You've got a great plan approaching this proactively with your girlfriend. One additional tip I'd suggest is to also ask your financial aid office about any student parent support groups or resources they might have - sometimes they have informal networks or workshops specifically for students in your situation that can provide ongoing support beyond just the FAFSA questions. Also, since your daughter is 18 months old, she might be approaching the age where some additional childcare assistance programs kick in, so it's worth asking about those timelines too. The coordination piece you mentioned is so important - maybe consider writing down your decision and reasoning so you both have it for reference if any questions come up later. This thread really shows how common this situation is becoming, and I'm sure your experience will help future families facing the same challenges. Best of luck with everything!
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Gabriel Ruiz
As a newcomer to this community, I'm incredibly grateful for this comprehensive discussion! My partner and I are both full-time students with a 20-month-old son, and we were completely overwhelmed trying to figure out the FAFSA dependency situation. This thread has been absolutely invaluable - the clear consensus that only one parent can claim the child, the strategic advice about income comparisons, and all the additional resources mentioned (childcare grants, emergency funds, Claimyr service) are going straight to my action plan. I'm particularly thankful for the real-world examples shared, like the verification delays Fatima experienced and the specific dollar amounts Caleb mentioned about aid differences. It really helps to hear from people who have actually navigated this successfully. I'm definitely going to schedule a meeting with our financial aid office and make sure my partner and I coordinate our decision before submitting anything. One question for the group: has anyone had experience with how this decision affects work-study eligibility or campus childcare waitlists? I'm wondering if there are any other considerations beyond just the aid amounts when deciding which parent should claim our son.
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Zainab Omar
•Welcome to the community, Gabriel! That's a really thoughtful question about work-study and childcare considerations that I don't think has been addressed yet. From my experience, work-study eligibility is typically based on your individual financial need as calculated from your FAFSA, so the parent who claims your son might have a slight advantage in work-study priority since they'd show a larger household size and potentially higher need. As for campus childcare, policies vary widely by school - some prioritize based on financial need (which again might favor the parent claiming the dependent), while others use waitlist timing or student status (like prioritizing seniors). Definitely ask your financial aid office about both of these when you meet with them, and also check with your campus childcare center directly about their priority criteria. Some schools even have separate childcare assistance funds that operate independently of FAFSA dependency status. It's great that you're thinking holistically about all these interconnected pieces - that kind of comprehensive planning will serve you well throughout this process!
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Liam O'Sullivan
As a newcomer to this community, I want to express my heartfelt gratitude for this incredibly comprehensive and helpful discussion! My partner and I are both full-time students with a 15-month-old daughter, and we were completely at a loss about how to handle the FAFSA dependency situation until we found this thread. The collective wisdom shared here has been absolutely invaluable - from the crystal-clear consensus that only one parent can claim the child to avoid verification issues, to the strategic advice about having the lower-income parent make the claim, to all the additional resources like childcare grants, emergency funds, and the Claimyr service for reaching FSA. I'm particularly grateful for the real-world examples and cautionary tales shared - Fatima's verification nightmare really drove home the importance of getting this right the first time, and Caleb's specific numbers about the $2,800 Pell Grant difference help put the financial impact in perspective. The supportive nature of this community is amazing, and it's reassuring to know that so many other student parents have successfully navigated these challenges. I'm definitely going to schedule a proactive meeting with our financial aid office armed with all the questions and strategies discussed here, and I'll make sure my partner and I carefully coordinate our decision before submitting anything. This thread is going to save us so much stress and confusion - thank you all for creating such a valuable resource!
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