Divorce impact on FAFSA after Pell Grant awarded - can we get more aid?
Just got our FAFSA results and my daughter only qualified for the $5,500 Pell Grant. Nothing else. Her dream school accepted her but isn't offering ANY institutional aid whatsoever. I'm suspicious it's because she already committed to attending (sent her deposit last month). Here's the complication - my husband and I are in the middle of a divorce that wasn't finalized when we submitted the FAFSA. Our finances are about to change DRASTICALLY. Can we update our FAFSA to reflect the divorce? Would it potentially qualify her for more aid? The $5,500 Pell isn't going to make much of a dent in the $29,800/year tuition. Has anyone navigated a mid-year family change like this? Any advice appreciated!
29 comments


Ryder Greene
Yes, you absolutely can (and should) report your change in circumstances! This is called a "special circumstances appeal" or sometimes a "professional judgment request." You need to contact the financial aid office at your daughter's school directly - not through the FAFSA site. The school has the authority to adjust your FAFSA information based on your divorce. You'll need to provide documentation - likely separation papers, proof of separate households, divorce filing documents, etc. The key is that this goes through the SCHOOL, not federal student aid directly. The school can recalculate your daughter's SAI (Student Aid Index) which might qualify her for additional aid.
0 coins
Leeann Blackstein
•Thank you! I had no idea this was even possible. Do you know if there's a specific form I need to request from the financial aid office? And how long does this process usually take? We're trying to figure out if we should commit to this school or look at cheaper options.
0 coins
Carmella Fromis
my daughter got the pell grant to but we also got offered loans. did they offer u any loans? sometimes schools hold back money and give it to ppl who aks for it. my neices school gave her more $$$ when she called and asked.
0 coins
Leeann Blackstein
•They offered the standard Direct Loans ($5,500 for freshman year), but we were hoping to minimize loans if possible. I didn't realize you could just... ask for more money? I'll definitely try calling them.
0 coins
Theodore Nelson
When I went through my divorce last year during my son's college application process, I learned that timing is EVERYTHING with FAFSA and divorce. If your divorce is finalized AFTER you submitted the FAFSA, you absolutely need to submit a special circumstances form to the school's financial aid office. When I did this, my son's aid package increased by over $7,000! Schools have a pool of institutional aid they can distribute at their discretion. The financial aid administrators have something called "professional judgment" that allows them to adjust your information. Don't assume the school is withholding aid because your daughter committed - that's actually rarely the case. It's more likely they just need the updated information about your divorce.
0 coins
Leeann Blackstein
•Wow, $7,000 would make a huge difference for us! Did you have to provide a lot of documentation? I'm worried because we're still technically in the process - living separately with lawyers involved, but the divorce isn't final yet.
0 coins
AaliyahAli
schools do this all the time they know u committed so they don't give u money. my cousin works in admissions and says this happens ALL THE TIME. they save the scholarship $$ for kids who might go somewhere else
0 coins
Ryder Greene
•This is actually not accurate. Schools establish their aid budgets well in advance, and financial aid offices operate separately from admissions. While some schools may use merit scholarships strategically for enrollment management, need-based aid calculations follow federal formulas and institutional policies that don't change based on whether a student has committed.
0 coins
Ellie Simpson
I went through this EXACT situation last year! The divorce drastically changed our financial picture. Here's what we did: 1. Called the school's financial aid office directly 2. Asked for their "Special Circumstances" or "Change in Financial Circumstances" form 3. Submitted the form with documentation (separation agreement, proof of separate households, etc.) 4. Followed up WEEKLY (this is important!!) It took about 3 weeks to get a response, but they increased my daughter's aid package significantly. The school recalculated our SAI based on just my income instead of both parents. One thing nobody told me - if you're the custodial parent (where your daughter lives more than 50% of the time), only YOUR income will count after the divorce. This made a huge difference for us since my ex made substantially more than me.
0 coins
Leeann Blackstein
•This is so helpful, thank you! My daughter will definitely be living with me more than 50% of the time. I'm going to call the financial aid office tomorrow morning. Did they adjust the aid for just the first year or did it apply to all four years?
0 coins
Arjun Kurti
I work in financial aid, and I want to clear up a few things: 1. A finalized divorce ABSOLUTELY can impact your daughter's aid eligibility. With a divorce, only the custodial parent's information is considered on the FAFSA. 2. Special circumstances appeals are processed by individual schools. Federal Student Aid (the FAFSA people) won't update your SAI directly - the school makes the adjustment. 3. You'll need to contact the financial aid office and request a "Professional Judgment" or "Special Circumstances" form. Each school has different documentation requirements. 4. Don't just submit the divorce decree - also provide updated income information for the custodial parent, as the aid office will need to recalculate your SAI. 5. The $5,500 Pell Grant amount suggests your current SAI is likely between $0-$3,000. With only one parent's income considered, your SAI could potentially decrease further, which might qualify your daughter for additional institutional aid. The school likely isn't withholding aid because she committed - they just need your updated information to recalculate eligibility.
0 coins
Leeann Blackstein
•Thank you so much for this detailed information! This is really helpful. Our household income will drop by about 60% after the divorce, so it sounds like that could make a significant difference. I'll start gathering all the documentation right away.
0 coins
Raúl Mora
I tried calling Federal Student Aid when we had a similar situation (job loss, not divorce) and it was IMPOSSIBLE to get through to anyone. Spent hours on hold and got disconnected every time. So frustrating!
0 coins
Theodore Nelson
•I found a service called Claimyr that helped me skip the phone wait times with Federal Student Aid. You still talk directly to FSA agents, but they handle the waiting for you and call when an agent is ready. Saved me hours of frustration! They have a video showing how it works at https://youtu.be/TbC8dZQWYNQ and their website is claimyr.com. Worth checking out if you're having trouble getting through.
0 coins
Ellie Simpson
On a slightly different note - make sure your daughter also applies for outside scholarships! Even with the divorce adjustment, she might still need more funding. There are TONS of scholarships out there that go unclaimed every year because nobody applies. My daughter got almost $3,500 in random small scholarships ($500-$1000 each) just by applying to like 15 different ones.
0 coins
Leeann Blackstein
•Great suggestion! Do you have any recommendations for scholarship search sites that worked well for your daughter? There seem to be so many out there, and it's hard to know which ones are legitimate.
0 coins
Arjun Kurti
One more critical thing - if your divorce isn't finalized yet but you're legally separated, you may still qualify for the adjustment. Each school handles this differently. Some will adjust based on a legal separation, while others require a final divorce decree. Also, timing matters for future years. If your divorce is finalized before you submit next year's FAFSA, you'll only need to include the custodial parent's information on the form from the start - no special appeal needed.
0 coins
Leeann Blackstein
•This is really important information - thank you! We do have legal separation documents, so hopefully that will be enough. And that's good to know about next year's FAFSA. This whole process is so complicated.
0 coins
Nia Harris
I just wanted to add that you should also ask the financial aid office about the timeline for when any additional aid would be disbursed. In my experience with a special circumstances appeal, the school was able to retroactively apply the additional aid to cover charges that had already been billed for the semester. Also, don't be discouraged if the first person you talk to at the financial aid office seems hesitant - sometimes you need to speak with a supervisor or the financial aid director who has more authority to make these adjustments. Be persistent but polite, and make sure you have all your documentation organized before you call. Good luck with everything! Divorce is stressful enough without worrying about college costs on top of it.
0 coins
Sofía Rodríguez
•Thank you for mentioning the timeline aspect - I hadn't even thought about when the money would actually be available! That's a relief to know it could be applied retroactively. And I really appreciate the advice about being persistent. I tend to be too polite sometimes and just accept the first answer I get. This is all so overwhelming on top of everything else with the divorce, but everyone's advice here is giving me hope that we can make this work financially.
0 coins
Ava Harris
I'm going through a similar situation right now and this thread has been incredibly helpful! My parents separated last year but their divorce won't be final until next month. I'm starting college in the fall and we submitted our FAFSA based on both parents' income, but my mom (who I'll be living with) makes significantly less than my dad. From what I'm reading here, it sounds like I should contact my school's financial aid office even though the divorce isn't technically final yet? We do have legal separation papers. I'm really hoping this could help because right now we're looking at taking out a lot of loans, and my mom is already stressed about the financial situation with everything else going on. Has anyone dealt with this when the parents are separated but not officially divorced yet? I don't want to waste the financial aid office's time if it's too early to make any adjustments.
0 coins
Yuki Tanaka
•Definitely contact your school's financial aid office now! Don't wait for the divorce to be finalized - legal separation papers should be sufficient for most schools to consider a special circumstances appeal. From everything I've read in this thread, each school handles these situations differently, but many will work with separation documents. The worst they can say is no or that they need to wait for the final decree, but you won't know unless you ask. Given that your mom makes significantly less than your dad, this could potentially make a huge difference in your aid package. I'd suggest calling them and explaining your situation - mention that you have legal separation papers and that there will be a substantial change in household income. Ask specifically about their policy for separated (vs. divorced) parents and what documentation they would need. You're definitely not wasting their time - this is exactly the kind of situation these appeals are designed for! Financial aid officers deal with family changes like this regularly. Good luck!
0 coins
Javier Morales
I just want to echo what others have said about being persistent with the financial aid office! When my sister went through her divorce during my nephew's sophomore year of college, it took three different phone calls before she got connected with someone who really understood the process. The first person told her she'd have to wait until the next academic year to make any changes, which was completely wrong. Also, I'd suggest getting everything in writing once you do speak with someone. Ask them to email you a summary of what documentation they need and what the timeline looks like. That way you have a paper trail and can reference it if you need to follow up. One thing that helped my sister was preparing a brief written summary of the situation before calling - divorce timeline, custody arrangements, income changes, etc. It helped her stay organized during what was obviously a stressful conversation. The financial aid officer actually appreciated having all the key details upfront rather than having to ask a bunch of follow-up questions. Sending you positive thoughts - this is definitely fixable, and it sounds like you're asking all the right questions!
0 coins
Nia Jackson
•This is such great advice about getting everything in writing and being prepared! I'm definitely going to write up a summary beforehand - I know I'll get flustered trying to explain everything over the phone while dealing with all the stress of the divorce process. Having that paper trail sounds really important too, especially if I need to follow up multiple times. Thank you for sharing your sister's experience - it's reassuring to know that persistence really does pay off and that these situations can be resolved even when the first person you talk to doesn't seem helpful.
0 coins
Ava Garcia
I'm a current college student whose parents went through a divorce during my freshman year, and I can confirm that the special circumstances process absolutely works! A few additional tips from my experience: 1. Ask specifically about "dependency override" if your situation is complex - sometimes this can be more beneficial than just adjusting income 2. If your school has a deadline for these appeals (some do), make sure you're aware of it 3. Keep copies of EVERYTHING you submit - I had to resubmit documents twice because things got lost in their system 4. Consider asking about payment plan options while you wait for the appeal to process The income change from including both parents to just one can be dramatic. In our case, it meant the difference between taking out $15k in loans versus $8k. The financial aid director told me they see these situations frequently and are usually very understanding about family changes beyond your control. Also, don't feel guilty about advocating for yourself - you're dealing with a legitimate change in circumstances that affects your ability to pay for college. The appeals process exists for exactly these situations!
0 coins
Madison Tipne
•Thank you so much for mentioning the dependency override option - I hadn't heard of that before! That's really encouraging to hear that you saw such a significant difference in loan amounts. $7k less in loans will make a huge impact over four years. I'm definitely going to ask about both the special circumstances appeal and dependency override when I call. The tip about keeping copies of everything is really important too - I can imagine how frustrating it would be to have to resubmit documents. Did your school give you any specific timeline for when to expect a decision on the appeal?
0 coins
GalacticGuardian
•They told me to expect 2-3 weeks for a decision, but it actually took about 4 weeks in my case. I think it depends on how busy they are and how complex your situation is. The key thing is that once they approve the appeal, the aid adjustment is usually processed pretty quickly - within a few days to a week. One thing I wish I had known is that you can actually call and ask for a status update if it's been longer than their estimated timeline. I was too nervous to "bother" them, but when I finally did call after 3.5 weeks, they said my paperwork had been sitting on someone's desk who was out sick and they fast-tracked it once I called. Also, the dependency override thing - that's more for extreme situations like abuse or abandonment, so it might not apply to your situation. But definitely still worth asking about just in case! The special circumstances appeal for divorce/separation is much more common and straightforward.
0 coins
Marcus Williams
I'm new to this community but dealing with a very similar situation! My parents are getting divorced and I'm starting to realize this could actually help with my financial aid situation. Reading through everyone's experiences here has been incredibly eye-opening - I had no idea that divorce could potentially increase aid eligibility. A few questions for those who have been through this process: 1. When you contacted the financial aid office, did you call or email first? I'm wondering which approach gets a faster response. 2. For those whose aid increased significantly - was this mostly federal aid (like Pell Grant increases) or institutional aid from the school? 3. Did any of you have to provide tax returns from the non-custodial parent even after the divorce adjustment was approved? I'm feeling really overwhelmed trying to navigate college costs on top of everything else happening with my family situation, but this thread is giving me hope that there might be a path forward that doesn't involve massive student loans. Thank you all for sharing your experiences so openly - it really helps to know others have been through this successfully!
0 coins
Mason Davis
•Welcome to the community! I'm also new here but have been following this conversation closely as I'm in a similar situation with my parents' divorce affecting my college financial aid. To answer your questions based on what I've gathered from everyone's responses: 1. Most people seem to have had success calling first rather than emailing - it sounds like you can get more immediate guidance on what documentation you need and the school's specific process. Plus several people mentioned that persistence is key, which is easier with phone calls. 2. From what I'm reading, it seems like it's often a combination of both federal and institutional aid increases. The divorce can lower your SAI (Student Aid Index) which might qualify you for more federal Pell Grant money, but schools also have institutional aid they can distribute through their professional judgment process. 3. I haven't seen anyone specifically mention having to provide the non-custodial parent's tax returns after the adjustment, but that's a really good question to ask the financial aid office directly since policies probably vary by school. I totally understand feeling overwhelmed - dealing with family changes and college costs at the same time is really stressful. But everyone's success stories here are definitely encouraging! It sounds like this process really can make a significant difference in aid packages.
0 coins