Do students AND parents need separate FAFSA login accounts? Confused about who fills out what
I'm completely confused about the 2025-2026 FAFSA login process. My son is going to be a junior this fall, and for the past two years, my husband has been the one filling out the FAFSA with both the parent and student information under his account. We never created a separate account for our son. Now we're having processing issues. When we check the status, it says we never provided my SSN and birthdate (the mother). But when my husband tries to correct this info, we just get an error message saying "sorry, please be patient. We are unable to process this at this time." Do we actually need TWO separate accounts now? One for my son and one for us as parents? Would my son logging in and creating his own FSA ID and filling out his portion separately fix this processing issue? The whole system seems different from previous years and I'm worried we'll miss deadlines because of these technical problems.
20 comments


Liam Murphy
Yes, your son NEEDS his own FSA ID and account! With the new FAFSA system, both the student AND contributor (usually parent) need separate FSA IDs and must each complete their own portions of the application. Your husband cannot fill out the student section using his own FSA ID anymore.
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Sasha Ivanov
•Oh no! That explains it. So even though my husband has all my son's info (SSN, etc.), we still need my son to create his own account? Will this fix the issue with my information (mother) not being processed correctly?
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Amara Okafor
The new FAFSA absolutely requires separate accounts. The student initiates the application with their own FSA ID, then identifies which contributors (parents) need to complete portions. Each contributor needs their own FSA ID to access and complete their section. This is different from previous years where one person could complete the entire form. The system now authenticates each person separately, which is why you're getting errors - the system expects each person (student and both parents for married households) to log in separately and complete their own sections.
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Sasha Ivanov
•Thank you for explaining! So my son needs to start the whole process with his own FSA ID, and then both my husband and I need separate FSA IDs as well? Do we have to start over completely at this point?
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CaptainAwesome
lol the same thing happened to us! drove me CRAZYY. my daughter had to make her own fsa id and start the application, then she had to add me and her dad as contributors. the system sends emails to each person when its their turn to fill out their part.
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Sasha Ivanov
•Did you have to start the whole application over? We're already past our school's priority deadline so I'm getting really anxious about this.
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Yuki Tanaka
The new FAFSA is a COMPLETE DISASTER!!! We had the same exact problem. The stupid system kept saying my husband's info was missing even though we entered it THREE TIMES! I spent 8 days trying to get through to someone at Federal Student Aid and kept getting disconnected after waiting 2+ hours each time. Complete joke of a system.
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CaptainAwesome
•ugh tell me about it 🙄 i ended up having to call like 5 times before i got someone who actually knew what they were talking about
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Esmeralda Gómez
To directly answer your question: Yes, under the new FAFSA system, your son needs his own FSA ID and must initiate the application himself. Then both you and your husband need separate FSA IDs to complete your contributor sections. Specifically: 1. Your son creates an FSA ID and starts the application 2. He'll add contributors (you and your husband) 3. Each of you will receive notification to complete your sections 4. Each person must use their own FSA ID to log in This change was implemented to increase security and accurately identify each person's role in the application.
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Sasha Ivanov
•Thank you for the step-by-step breakdown. We're going to have my son create his FSA ID tonight and try starting over. Hoping we can get this fixed before we miss any more deadlines!
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Klaus Schmidt
I was stuck in the same situation last month trying to help my niece. After multiple failed attempts to reach someone at Federal Student Aid, I discovered Claimyr (claimyr.com) - it got me connected to an actual FSA agent in about 17 minutes instead of the usual 2+ hour wait. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ The agent confirmed exactly what others are saying here - each person needs their own FSA ID. They were able to help resolve our processing errors right away.
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Sasha Ivanov
•Thank you for the recommendation! I might try this if we can't get it fixed on our own. Those wait times are ridiculous and we really need to get this resolved ASAP.
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CaptainAwesome
•omg thx for sharing this! gonna try it next time i have issues
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Aisha Patel
Wait so do both parents need FSA IDs? Or just one parent? My wife handles all our financial stuff but I'm technically the one who should be reporting income for our daughter's FAFSA.
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Esmeralda Gómez
•If you're married and filing jointly, typically only one parent needs to be a contributor on the FAFSA. However, if your state or schools require the CSS Profile as well, that might require information from both parents. For standard FAFSA, you'd choose which parent will be the contributor, and that parent needs their own FSA ID.
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Amara Okafor
To address your specific error about the mother's SSN and birthdate not being processed: This likely happened because the system now requires the actual person (you) to enter and verify this information using your own FSA ID, not your husband entering it on your behalf. Our financial aid office has seen hundreds of these cases since the new FAFSA launched. Starting fresh with each person having their own FSA ID is the cleanest solution. And don't worry about the previous attempts - the system will recognize the newest submission as the valid one.
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Sasha Ivanov
•This makes so much sense now. I'll create my own FSA ID too. Do both parents always need to submit information, or can we choose just one parent to be the contributor?
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Amara Okafor
•If you're married and file taxes jointly, you'll generally designate one parent as the contributor, but both parents' income information will be reported on the FAFSA. The contributor parent will need an FSA ID to complete their section. If you file taxes separately, the situation might be different based on your specific circumstances.
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Liam Murphy
And FYI when ur son makes his FSA ID, make SURE he uses an email he actually checks!!! My daughter used some random gmail she never looks at and we missed deadlines cuz she never saw the notifications 🤦♀️
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Sasha Ivanov
•That's great advice, thank you! He has a personal email he uses for college stuff, so we'll make sure he uses that one.
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