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Andre Laurent

Do I still need to file FAFSA with a full-ride scholarship? Getting conflicting advice

So I just got amazing news - I received a full-ride merit scholarship to my top choice school for Fall 2025! The letter says it covers tuition, room & board, and even a book stipend. My college counselor told me I don't need to bother with FAFSA since everything's covered, but then my friend's mom (who works in financial aid at a different college) said I absolutely SHOULD still file. I'm confused about what to do. Does anyone know if filling out FAFSA is still necessary when you have a full scholarship? Will it affect my scholarship in any way? The deadline is coming up and I don't want to waste time on paperwork if it's pointless, but also don't want to mess anything up for my scholarship!

congrats on the scholarship!! but yes definitely still do fafsa. i had a full ride last year and still had to fill it out for my school. they required it even tho i didnt need aid

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Thanks! Did you ever find out why they made you fill it out? Was it just a formality or did it actually impact anything?

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YES - absolutely file the FAFSA! Many institutions require it even for students with full scholarships for several important reasons: 1. Your scholarship may only cover certain expenses, and FAFSA could help with additional costs like transportation, personal expenses, or supplies not covered by your book stipend 2. If something happens with your scholarship (GPA requirements, program changes), you'll want to have FAFSA on file as a backup 3. Some schools actually require FAFSA for ALL students receiving any type of institutional aid - including merit scholarships 4. Filing FAFSA might qualify you for federal work-study opportunities, which can be valuable experiences even if you don't need the money I work in higher education advising and always recommend filing, regardless of scholarship status. It's good financial planning.

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This is incredibly helpful, thank you! I didn't realize there might be expenses the scholarship doesn't cover. I'll definitely file now.

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the work study part is true! i got work study even with my full ride and it was actually really good for my resume

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DEFINETLY FILL IT OUT!!!! My daughter had a "full ride" but guess what? It WASNT ACTUALLY FULL when we got there!!! The scholarship didn't cover student fees, technology fees, orientation fees, and like 5 other random charges the school hit us with after we arrived!!! We were scrambling to figure out how to pay $3,200 in "misc fees" and by then it was TOO LATE to apply for aid!!! DON'T MAKE OUR MISTAKE!!

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Oh no, that's exactly what I'm afraid of! I need to read the fine print on my scholarship letter again to see exactly what's covered.

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This happened to me too! "Full ride" ended up being just tuition and room. Still had to pay for meal plan, fees, parking pass, etc. Always file FAFSA just in case.

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I actually think you should call the financial aid office at your school and ask THEM specifically, not just take advice from internet strangers. Every school has different policies about this.

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That's good advice. I'll try calling them tomorrow.

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This is the best advice. Each institution handles scholarships differently, so a direct conversation with your school's financial aid office will clarify your specific situation. When you call, ask specifically about: 1. Whether FAFSA is required to maintain your merit scholarship 2. If there are any expenses not covered by your scholarship that federal aid might help with 3. If there are any institutional forms besides FAFSA you should complete If you've been having trouble reaching someone in financial aid (which is common this time of year), you might want to try Claimyr (claimyr.com). I used their service when I couldn't get through to my son's financial aid office, and they helped me get connected to a real person right away. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ

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my roommate had a full scholarship and she still did fafsa and ended up getting money BACK from the school lol. like they deposited money in her account each semester for extra expenses. definitely worth doing imo

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Whoa, really? That would be amazing! I definitely didn't realize that was possible.

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Another important consideration: if your scholarship is only guaranteed for one year, or has academic performance requirements (like maintaining a certain GPA), having FAFSA on file gives you a safety net if scholarship circumstances change. You'd be surprised how many students lose merit scholarships after freshman year due to GPA requirements.

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THIS!!! My nephew lost his "guaranteed" scholarship after first semester because he got a 2.9 GPA and the requirement was 3.0!!! The school didn't care that he was dealing with health issues!!! ALWAYS HAVE A BACKUP PLAN!!!

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I work in a financial aid office and we definitely recommend all students complete the FAFSA regardless of scholarships. In fact, some institutional and state-based aid programs actually require FAFSA completion even if you don't need federal aid. It's better to have it and not need it than need it and not have it. The SAI calculation from your FAFSA might also qualify you for grants beyond your scholarship.

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Thank you for the insider perspective! That really helps me understand why it's still important. I'll make sure to complete it before the deadline.

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Congratulations on your full-ride scholarship - that's incredible! As someone who went through this exact situation a few years ago, I can't stress enough how important it is to file the FAFSA anyway. Even with my "full ride," I discovered there were gaps the scholarship didn't cover (like health insurance, parking permits, and some lab fees). Plus, filing FAFSA opened up opportunities I didn't even know existed - I ended up qualifying for a small Pell Grant that covered those miscellaneous expenses, and I was able to get work-study which gave me valuable work experience on campus. The process takes maybe 2-3 hours max, but it could save you thousands if your circumstances change or if there are hidden costs. Trust me, it's worth the peace of mind!

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