Do I have to share my SSN with stepson for FAFSA after filing jointly with new wife?
Got married last December and my new wife and I filed our taxes jointly for the first time. Her son is applying for FAFSA for the 2025-2026 year and needs parent tax info. I'm extremely protective of my SSN and financial details - identity theft happened to me before. Wife says since we filed jointly, her son needs all our tax info including my SSN for his FAFSA application. This doesn't seem right to me. I'm not his biological or adoptive father, just his stepparent. Do I really have to hand over my sensitive personal info to my stepson? Or can my wife just provide her portion of our taxes somehow? We're still in that awkward new blended family stage and I'm not comfortable with this kid having access to all my financial details.
22 comments


Angel Campbell
yup ur stuck. if u married ur wife and filed jointly ur income counts for the FAFSA. its dumb but thats how it works
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TommyKapitz
•But why does the kid need to see MY social security number? Can't there be some way to just show the total household income without giving him my personal info?
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Payton Black
The situation is a bit nuanced. Since you're married to the student's parent and filed taxes jointly, your income information does need to be included on the FAFSA application. However, your stepson doesn't need direct access to your SSN. When your wife fills out the FAFSA as a parent, she'll need to provide the tax information from your joint return, but you can help her complete this section without giving your stepson access to your personal identifying information. The FAFSA requires the parent (your wife) to create her own FSA ID to input this information. Your stepson won't see the actual tax forms or your SSN if you handle it properly.
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TommyKapitz
•That makes me feel better. So my wife can create her own login and enter all the info herself without my stepson seeing it? That's what I was hoping for.
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Harold Oh
I went through something similar with my stepkids last year! It was super frustrating. Yes, your income counts on the FAFSA if you filed jointly, but NO your stepson shouldn't need direct access to your SSN. My wife created her own FSA ID and she entered all our tax info herself. The kids never saw our actual tax forms or my personal info. Just have your wife handle the parent portion!
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TommyKapitz
•Thanks for sharing your experience! That's exactly what I wanted to know. I don't mind my income being counted (well, I do, but I understand that's required), I just don't want to hand over my actual SSN to my stepson.
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Amun-Ra Azra
The financial aid system is DESIGNED to be invasive!!! It's ridiculous how much personal information they demand from families. When I was filling out FAFSA for my kids, they wanted to know EVERYTHING about our finances - including retirement accounts that shouldn't even matter for college!!! And now that you're married, they get to count ALL your income even though you have no legal obligation to pay for your stepson's education. The whole system is BROKEN!!!
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Summer Green
To clarify some technical points about the 2025-2026 FAFSA and your situation: 1. Since you're married to the student's parent and filed jointly, your income will be counted in the Student Aid Index (SAI) calculation. 2. However, there's a proper process to protect your privacy: - Your wife should create her own FSA ID (separate from her son's) - She completes the parent portion of the FAFSA - She can use the IRS Data Retrieval Tool to automatically import tax information without manually typing in SSNs - Your stepson never needs direct access to your SSN 3. Your information is required because FAFSA counts household income, but the process is designed so that parents enter their own sensitive data - not the student.
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TommyKapitz
•Thank you! That IRS Data Retrieval Tool sounds like exactly what we need. Does my wife just log in separately and fill out her portion, and then my stepson does his part?
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Summer Green
Yes, that's exactly how it works. Your stepson creates his FSA ID and starts the FAFSA application, completing his student information. When he reaches the parent section, your wife logs in with her separate FSA ID to complete all the financial information. The system is designed to maintain privacy between the student and parent portions of the application.
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Gael Robinson
I just went through this with my stepdaughter and lemme tell you it was a NIGHTMARE trying to get through to someone at Federal Student Aid when we had questions!!! We kept getting disconnected or waiting for hours. Finally I found this service called Claimyr at claimyr.com that got us through to an actual person at FSA in 10 minutes instead of waiting for hours. They've got a video showing how it works: https://youtu.be/TbC8dZQWYNQ Totally worth it because the agent walked us through exactly how to handle the parent section properly without sharing my husband's SSN directly with my stepdaughter. Made the whole process way less stressful!
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TommyKapitz
•That's good to know. I'll check it out if we run into problems. Talking to an actual human being about these privacy concerns would be helpful.
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Angel Campbell
•is it free tho? or do they charge u?
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Gael Robinson
•It's not free but honestly after spending 3 days trying to get through on my own it was worth every penny. The FSA phone system is completely broken.
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Edward McBride
I'm in the exact same situation! Married my husband last year and his daughter needs to apply for FAFSA. I'm so stressed about giving her my financial information. What if we don't want to contribute to her education at all? Will we be forced to pay something because our income is being counted? I don't mind her getting grants or whatever she qualifies for, but I don't want to be on the hook for anything. Will I be legally obligated to pay for her college because our incomes are being combined on FAFSA? I'm freaking out about this!
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Summer Green
•The FAFSA does not create any legal obligation for you to pay for your stepdaughter's education. It simply calculates the Student Aid Index (SAI) based on household income. Your stepdaughter may qualify for less aid because of your combined household income, but there's no mechanism that forces you to contribute any specific amount. Any decisions about actually contributing to her education costs remain private family decisions.
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Payton Black
One important clarification - your stepson should never physically handle your tax return. When people talk about "providing tax info for FAFSA," they're referring to the actual FAFSA filing process where the parent (your wife) inputs financial information, not giving physical tax documents to the student. The proper procedure is: 1. Your stepson creates his FSA ID and starts his application 2. Your wife creates her own FSA ID 3. When the application reaches the parent section, your wife logs in and enters the information 4. Your stepson never sees the sensitive details If done correctly, your privacy should be maintained while still fulfilling the FAFSA requirements.
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TommyKapitz
•That's a huge relief. I think there was miscommunication between us - my wife was making it sound like he needed our physical tax forms to enter the info himself. I'll talk to her about creating her own FSA ID as you suggested. Thank you!
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Angel Campbell
my parents wouldnt give me their tax info for fafsa and i couldnt get financial aid. sucked big time. dont be that parent.
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TommyKapitz
•I'm not refusing to have our info included. I just don't want to hand over my actual SSN and tax documents directly to my stepson. Sounds like his mom can enter everything without him seeing my personal details.
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Harold Oh
something nobody mentioned - the new FAFSA for 2025-2026 is way different from previous years. they changed a lot of stuff and now use something called the SAI instead of EFC. plus there's different rules about which parents need to provide info depending on if they're married or divorced. maybe double check the new requirements?
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Payton Black
•Good point about the changes! The 2025-2026 FAFSA uses the Student Aid Index (SAI) instead of the old EFC. However, the basic rule about married parents filing jointly hasn't changed - if you're married to a student's legal parent and file taxes jointly, your income is included in the calculation. The process for protecting privacy is still the same too - parents create their own FSA ID and handle entering their financial information.
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