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Can my son use my income on FAFSA if I don't claim him as a tax dependent?

I'm so confused about how FAFSA determines dependency status! My son is 19 and starting college next fall. For tax reasons, we decided I won't claim him as a dependent on my 2024 taxes. But now we're filling out the FAFSA for 2025-2026 and I'm not sure if his application still needs my income information. The FAFSA website says something about dependency status being different for financial aid vs. taxes? Can he still use my income even if I don't claim him on taxes? Or does this make him an independent student automatically? We need to get this right because our EFC/SAI calculation would be completely different depending on whether my income is included or not.

Your tax dependency status and FAFSA dependency status are completely different things. Your son being claimed as a dependent on your taxes (or not) has zero effect on whether he's considered dependent for FAFSA purposes. For FAFSA, your son needs to answer the dependency questions - is he 24 or older? Married? Veteran? Has dependents of his own? etc. If he answers NO to all those questions, he's a DEPENDENT student for FAFSA even if you don't claim him on taxes. So yes, he still needs your income information on his FAFSA application, regardless of your tax filing choices.

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Thank you! That makes sense. So essentially tax dependency is one thing and FAFSA dependency is completely separate? I was so worried we'd messed everything up by not claiming him.

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this happens ALL THE TIME! so many parents get confused about this exact thing. i work in my college financial aid office and seriously hear this question at least 10x during fafsa season. tax dependency ≠ fafsa dependency!

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Good to know I'm not the only one confused by this! Do you know if there's any downside to not claiming him as a tax dependent when it comes to other education benefits?

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yeah actually there could be! if u don't claim him as a dependent you might miss out on the american opportunity tax credit which is worth up to $2,500. better check with your tax person about that!

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My daughter went through this exact situation and it caused us a HUGE headache!!! We didn't claim her on taxes thinking it would make her "independent" for FAFSA and she submitted without my info. Then they flagged her for verification and we had to correct everything and start over!! The whole system is designed to be confusing on purpose I swear. 😤

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Did the same thing with my son last year! Thought I was being smart for tax purposes but it ended up just delaying his financial aid by 2 months. Really wish they'd make this clearer on the FAFSA website.

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To add some specifics to what others have said: FAFSA dependency is determined by answering 13 specific questions (for the 2025-2026 FAFSA). If your son answers "no" to all of them, he's dependent for FAFSA purposes and must provide your income information. The questions include age (must be 24+ to be independent), marriage status, military service, having legal dependents, emancipation status, homelessness, and several others. For a 19-year-old without unusual circumstances, he would typically be considered a dependent student regardless of tax filing status. If you're trying to maximize aid, focus on understanding how assets and income are counted in the SAI formula rather than tax dependency status.

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Thanks for the detailed explanation. We definitely want to maximize his aid opportunities. Are there any legitimate strategies for reducing our SAI without messing up the dependency status?

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Yes, there are legitimate strategies. Time any major asset transactions (like selling investments) for before the "base year" that FAFSA uses. Maximize contributions to retirement accounts since those aren't counted as assets. Pay down consumer debt before filing FAFSA. Also, having multiple children in college simultaneously can significantly lower your SAI per child.

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I tried calling Federal Student Aid about this exact question last week and waited on hold for 2+ hours before getting disconnected. Then tried again and gave up after 90 minutes. Their website wasn't clear about this specific situation either. So frustrating trying to get straight answers!

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I had the same issue with those ridiculous wait times! Then I found this service called Claimyr that got me through to a FAFSA agent in about 15 minutes instead of hours. It basically holds your place in line and calls you when an agent is available. Saved me a ton of time and frustration. Their site is claimyr.com and they have a video showing how it works: https://youtu.be/TbC8dZQWYNQ. Was totally worth it for getting immediate answers about my dependency status questions.

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my cousins friends daughter tried to leave her parents off fafsa and claim independent but got rejected cuz shes only 20. financial aid office told her only way to be independent under 24 is if ur married, in military, have ur own kids, or parents are dead/abusive (with proof). she had to redo whole application with parents info.

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That's mostly accurate. The specific criteria for undergraduate independent status include: - Being 24 or older - Being married - Having children/dependents you support - Being a veteran/active duty - Being in foster care/ward of court after 13 - Being emancipated minor - Being homeless/at risk of homelessness - Having both parents deceased There's also a dependency override process for special circumstances, but it's quite difficult and requires documentation.

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Thank you all for the helpful responses! I'll definitely have my son complete the FAFSA with my information included, regardless of our tax situation. We'll also talk to our tax preparer about whether it still makes sense not to claim him given what I've learned about the American Opportunity Tax Credit. I appreciate the clarification about the separate systems for tax dependency vs. FAFSA dependency!

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good plan! and remember with the new fafsa they're using the "student aid index" (SAI) instead of EFC now. basically same thing but the calculation is a bit different. also reminder that 2025-2026 fafsa opens in december 2024!

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Thanks for the reminder about SAI vs EFC and the opening date! I'll mark my calendar for December.

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