Do I need to report changes in financial status after submitting FAFSA?
I just lost my job last week and my dad got diagnosed with a serious illness that's going to cost a lot for treatment. We already submitted our FAFSA for 2025-2026 back in December using our 2023 tax info (which showed both parents working full-time). Now our income is going to be WAY less than what we reported. Do I need to tell someone about this change? Who do I contact? Will this help me get more aid? The SAI we got seems really high based on our old situation but now everything's different. I'm freaking out because I might not be able to afford college now without more help.
21 comments


Donna Cline
Yes, you absolutely need to report this! This is called a "special circumstance" or "professional judgment appeal." You'll need to contact the financial aid office at each college you applied to - not the FAFSA people directly. Each school handles these situations differently, but they can adjust your aid package based on your current situation. Gather documentation of both the job loss (termination letter, unemployment benefits) and medical diagnosis/costs (bills, insurance statements). The sooner you contact them, the better!
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Lucas Parker
•Omg thank you! So I have to contact EACH school separately? There's no way to just update my FAFSA? That seems like a lot of work... do you know how much this might change my aid package?
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Harper Collins
whoa sorry to hear about ur dad. when my mom got sick last yr we had to do this thing called a special circumstances review. u gotta call each financial aid office and they'll tell u what forms to fill out. they can adjust ur fafsa numbers
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Lucas Parker
•Thank you. Did it actually help when you did that? Like did they give you more aid money or was it a waste of time?
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Kelsey Hawkins
The other posters are correct - this requires a special circumstances appeal directly with each school. I work in financial aid, and I can tell you that job loss and medical expenses are two of the most common reasons we adjust aid packages. Some important points: 1. Your FAFSA itself won't change - the appeal process is separate 2. Each school has different forms and documentation requirements 3. They'll recalculate your SAI based on your projected income 4. This process takes time, so start immediately 5. Be prepared to provide detailed documentation Most importantly, be persistent! Sometimes these appeals get lost in the shuffle during busy periods.
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Lucas Parker
•Thank you so much for this detailed info. Do you know roughly how long this process usually takes? I'm worried because I need to make a decision soon about which school to attend.
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Kelsey Hawkins
Processing time varies by school, but typically 2-4 weeks. I recommend calling each financial aid office first to explain your situation before submitting documentation. When you call, ask specifically about their "professional judgment" or "special circumstances" process for job loss and medical expenses. Also ask about their timeline for processing these appeals. One more tip: some schools have emergency grant funds separate from regular financial aid. Ask about those too!
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Dylan Fisher
•This is super helpful! I'm in a similar boat (my mom lost her job last month). Do schools usually want actual medical bills or just proof of diagnosis? We have insurance but still figuring out what our out-of-pocket costs will be.
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Edwards Hugo
I went through this EXACT situation last year. Let me tell you, trying to get someone on the phone at multiple financial aid offices was a NIGHTMARE. I spent like 3 weeks just trying to reach actual humans. The thing that saved me was using Claimyr (claimyr.com) to get through to actual people. They have this service where they wait on hold for you and call you back when a real person answers. Saved me hours of frustration! They have a demo video here: https://youtu.be/TbC8dZQWYNQ Once I actually got through to financial aid officers, they were mostly helpful. Just be ready with all your documentation organized.
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Lucas Parker
•Thanks for the suggestion! I'll check that out because I've already been trying to call my top choice school for 2 days with no luck. How much did your aid package change after going through all this?
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Edwards Hugo
It really varied by school. My top choice increased my grants by about $8,000 and offered an additional unsubsidized loan. Another school only added $2,500 to my package. One school flat out rejected my appeal saying they'd already allocated all their funds (which was BS because it was only March). The key is documenting EVERYTHING. I created a folder for each school with their specific forms, copies of termination letters, unemployment filings, medical bills, and a letter explaining our situation in detail. Some schools asked for monthly expense breakdowns too.
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Gianna Scott
•THIS IS WHY THE FAFSA SYSTEM IS BROKEN!!! They use old tax data that doesn't reflect reality, then make you jump through a million hoops when your situation changes!!! The whole "professional judgment" thing is completely arbitrary - some schools help, others don't. It's all about how much money they have, not your actual need. The system is DESIGNED to be confusing and difficult. I'm sorry you're dealing with this. 😡
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Donna Cline
A few more technical points that might help: 1. When you submit a special circumstances appeal, it doesn't change your FAFSA or SAI in the federal system. Each school makes their own adjustment to your financial aid package. 2. For medical expenses, they typically want documentation of actual expenses, not just the diagnosis. However, you can provide estimates from your insurance company or healthcare provider if you don't have all the bills yet. 3. For job loss, most schools will want your most recent pay stubs, termination letter, and unemployment award letter (if applicable). 4. Some schools have deadlines for appeals, so ask about this immediately. 5. Make sure to highlight both circumstances (job loss AND medical expenses) in your appeal letter.
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Lucas Parker
•This is super helpful. I just got off the phone with one school and they're sending me their special circumstances form. They said they need a written statement explaining everything, proof of job loss, and projected income for 2025. For the medical stuff, they want diagnosis documentation and estimated treatment costs. Fingers crossed this works!
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Alfredo Lugo
my cousin works in financial aid and she said most people dont even know they can appeal their aid when stuff happens!! she says they have special money set aside for these situations but if u dont ask they dont tell u about it lol. the whole systems messed up
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Gianna Scott
•YUP! They're literally hoarding money that should go to students who need it! If you don't know the magic words "professional judgment" or "special circumstances appeal" they won't help you. It's disgusting how they expect 18-year-olds to navigate this byzantine system.
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Sydney Torres
I don't think this will work. I tried to update my FASFA after my parents divorced and none of the schools cared. They just kept saying the FASFA uses 2023 tax info and that's final. Maybe medical stuff is different idk
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Kelsey Hawkins
•I'm sorry you had that experience, but divorce and separation are absolutely valid reasons for a professional judgment review. It sounds like you may have approached it as trying to "update your FAFSA" rather than specifically requesting a professional judgment review. Schools are required by federal regulations to have a process for these situations, though the outcome isn't guaranteed. If this happened recently, I'd encourage you to try again with the specific terminology.
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Lucas Parker
Update: I've contacted all five schools I applied to and it's been a mixed bag. Two have already sent me their special circumstances forms, one said they'll only review after I commit to attending (which seems unfair), and I'm still waiting to hear back from the other two. I used that Claimyr service to get through to one of the schools that wasn't answering and it actually worked! Got through to a financial aid counselor who was really helpful. I've started gathering all our documentation. This is a lot of work but hopefully worth it. Thanks everyone for your help! I'll update again when I hear back about any aid adjustments.
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Donna Cline
•Sounds like you're on the right track! The school saying they'll only review after you commit is unfortunately common. Some schools do this because professional judgment reviews take staff time and they don't want to do it for students who end up not attending. If that school is your top choice but you need the adjusted aid information to make your decision, call them back and explain this specifically. Sometimes they'll make an exception, especially if you emphasize that your ability to attend hinges on the adjusted aid package.
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Connor Rupert
I'm so sorry to hear about your dad's diagnosis and your job situation - that's incredibly stressful to deal with while trying to figure out college finances. Just want to add that when you're writing your appeal letter to each school, be specific about the financial impact. Don't just say "we lost income" - give them actual numbers. Like "Parent A's income went from $X per year to $0 due to job loss on [date]" and "we anticipate $Y in out-of-pocket medical expenses for Parent B's treatment." Also, if your dad's illness might affect his ability to work or your family's long-term financial situation, mention that too. Schools can sometimes adjust aid for multiple years if the circumstances are ongoing, not just temporary. Good luck with everything - this process is overwhelming but it really can make a significant difference in your aid package!
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