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Grace Durand

Can my daughter file FAFSA independently for year-round program with no home returns?

My daughter just got accepted into an accelerated nursing program that runs year-round with 8 consecutive semesters (no summer breaks). The program coordinator mentioned she'll need to stay near campus since clinical rotations happen throughout the year, so she won't be returning to our home between semesters at all. I'm confused about whether this means she can file her FAFSA as an independent student now? She's 20 and we've always claimed her as a dependent on our taxes, but it seems like her situation might qualify for independent status since she'll essentially be living on her own permanently. The tuition for this program is $34,000 annually, and our household income might put her in a tough spot for aid if she has to include our information. Does anyone know if year-round programs with no returns home qualify a student for independent status on FAFSA? The financial aid office at her school hasn't been helpful - they just keep telling her to "fill out the forms according to federal guidelines" without addressing her specific situation.

Steven Adams

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Unfortunately, your daughter's living situation doesn't qualify her as an independent student for FAFSA purposes. The Department of Education has very specific criteria for independent status, and they include: - Being 24 or older - Being married - Having dependents that you support - Being a veteran/active military - Being an emancipated minor - Being homeless or at risk of homelessness - Being in legal guardianship Just living away from home for school, even year-round, doesn't meet any of these criteria. Your daughter will still need to include your family's financial information on her FAFSA unless she meets one of those specific conditions.

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Grace Durand

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That's disappointing but thank you for clarifying. Is there ANY way around this? Her program really is unique - she'll be there for almost 3 years straight without coming home. Seems unfair that students in these intensive healthcare programs are treated the same as someone who comes home every summer and holiday.

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Alice Fleming

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my daughtr went thru this exact thing with her pharamcy program!! the fafsa ppl DO NOT CARE if its year round or not. its so stupid. she had to use our info even tho we werent supporting her at all. she was living in an apartment and paying all her own bills but they still said she was dependent bc she wasnt 24 yet. the whole system is rigged against healthcare students tbh

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Hassan Khoury

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Same with my son's PT program. Even though he was literally working part-time and paying his own rent, because he wasn't 24, married, or a veteran, we had to include our information. The system IS rigged against students in these intensive healthcare programs. The only way around it is to wait until 24 to start school (which is ridiculous) or get married (which is REALLY ridiculous).

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While your daughter doesn't qualify as independent based on her living situation, there is something you should know. The financial aid office can potentially do a "professional judgment" review of her situation. If there are special circumstances that aren't captured by the standard FAFSA formula, they have the discretion to adjust her aid package. Here's what I'd recommend: 1. Have your daughter request a meeting specifically about a "dependency override" or "professional judgment review" 2. Prepare documentation of her unique situation (program details showing year-round attendance, housing arrangements, etc.) 3. Write a detailed letter explaining why the standard dependency rules create a hardship in her specific case 4. Be persistent - sometimes you need to talk to senior financial aid officers, not just frontline staff These reviews are totally at the school's discretion, so approach it professionally and make a strong case for why her situation warrants special consideration.

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Grace Durand

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Thank you so much for this information! I had no idea about "professional judgment" reviews. We'll definitely prepare all the documentation and request a meeting. This at least gives us some hope!

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Alice Fleming

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i tried this at my daughters school and they told us no. said they only do overrides for abuse or abandonment situations. hope u have better luck tho

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Benjamin Kim

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I work with healthcare students all the time, and this is a common frustration. Unfortunately, year-round enrollment doesn't impact dependency status for FAFSA. However, there are other options to explore: 1. Look into health profession-specific loans like Health Professions Student Loans or Nursing Student Loans which sometimes have better terms than federal loans 2. Many hospitals offer tuition reimbursement if your daughter commits to working there after graduation - worth investigating in your area 3. The Health Resources and Services Administration (HRSA) has several scholarship and loan repayment programs specifically for nursing students 4. If your income is too high for significant need-based aid, focus on merit scholarships from private foundations that support nursing education While the dependency rules are frustrating, these healthcare-specific funding sources often provide better support than standard federal aid anyway.

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Grace Durand

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This is extremely helpful! I hadn't heard about the Health Professions Student Loans or the HRSA programs. We'll definitely look into all of these options. Do you know if these programs also require parent information for students under 24?

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Benjamin Kim

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Most of these programs do still use FAFSA criteria for determining dependency status, so they would require parent information. However, the hospital tuition reimbursement programs typically don't look at family income - they're employment-based benefits. Also, merit scholarships from nursing organizations usually don't consider parent income either, just the student's academic achievements and career goals.

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Has anyone tried calling the Federal Student Aid Information Center directly about this? I spent DAYS trying to get through to a real person there last month for a different dependency issue. The automated system kept disconnecting me after 2+ hours on hold. Super frustrating.

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I had the same problem but finally found a service called Claimyr that got me through to an actual FSA agent in about 20 minutes! They basically wait on hold for you then call you when they get a real person. Saved me hours of frustration. You can see how it works at claimyr.com or check their demo video at https://youtu.be/TbC8dZQWYNQ That said, I don't think calling will change the dependency rules - they're pretty strict about the criteria. But at least you can get a clear answer from an official source.

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Oh wow, thank you! Will definitely check this out because I still have questions about my verification process too.

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Hassan Khoury

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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.

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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.

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Grace Durand

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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!

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Steven Adams

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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.

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