Does my incoming freshman need to fill out FAFSA themselves or can I do it as a parent?
My daughter just got accepted to her dream school for Fall 2025 (so proud!) and we're trying to figure out this whole financial aid mess. I assumed I would complete the FAFSA since I'm paying for everything, but my sister said my daughter needs to create her own account and fill it out herself? This doesn't make sense to me - she doesn't even have income to report. Who actually needs to complete the FAFSA application - the parent or the student? She's 17 now but will be 18 when she starts college if that matters. I'm so confused by all these FSA IDs and account requirements!
20 comments


Ethan Clark
Congratulations on your daughter's acceptance! Yes, your daughter must create her own FSA ID and complete parts of the FAFSA herself, even as an incoming freshman. It's a two-part process: she creates her FSA ID and fills out the student section, then you create your own parent FSA ID to complete the parent/contributor sections. Both of you need separate FSA IDs linked to different email addresses. Even though she may not have income, she still needs to confirm that and provide other required student information. The system is designed this way for privacy and consent reasons.
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Aisha Mahmood
•Thank you! I had no idea we both needed accounts. So we each get our own FSA ID with different emails? Will I be able to see what she submits or do we have to coordinate everything?
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AstroAce
ur sister is right, kids gotta make their own account. my son had to do his part first then I did mine last yr. kinda annoying but thats how they do it
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Aisha Mahmood
•Did you have any issues with the hand-off between accounts? I'm worried about missing something in the process.
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Yuki Kobayashi
To be very clear: Your daughter MUST create her own FSA ID and complete her portion of the FAFSA, and you as the parent MUST create your own separate FSA ID to complete the parent contribution section. This is required for all dependent students regardless of whether they have income. The process flows like this: 1. Student creates FSA ID at studentaid.gov 2. Student starts FAFSA application with basic information 3. Student reaches the parent section and provides parent email 4. Parent creates separate FSA ID 5. Parent completes financial/contributor section 6. Student reviews full application and submits The student is always the primary applicant, even when they're a dependent with no income. The parent is considered a contributor to the application.
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Aisha Mahmood
•This step-by-step breakdown is super helpful, thank you! One more question - does she need to wait until she turns 18 to create her FSA ID, or can she do it now at 17?
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Yuki Kobayashi
•She can create her FSA ID at 17 - no need to wait until she's 18. The age requirement is 13 or older. Just make sure she uses her own email address (not yours) and remembers her login credentials. Many students create their FSA ID during their senior year of high school specifically to prepare for FAFSA submission.
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Carmen Vega
When my kid did his FAFSA we kept getting an error about the parent section not matching something. Took us FOREVER to figure out! Make sure your name and SSN match exactly what's on your tax returns.
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Andre Rousseau
The whole FAFSA system is SO FRUSTRATING!!!! My daughter and I spent HOURS trying to get through this stupid application because they kept transferring us between different departments when we called for help. The worst was when the parent linking wouldn't work and we couldn't fix it online - had to call and wait FOR.EVER. to get to an agent!! They seriously need to make this process easier for families!!!
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Zoe Stavros
•I had the same frustrating experience with waiting on hold forever! Finally found a service called Claimyr (claimyr.com) that got me through to a FAFSA agent in under 10 minutes instead of the usual 2+ hour wait. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ. Saved me so much time when we had issues with the parent verification section. Much better than staying on hold all day or getting disconnected repeatedly.
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Andre Rousseau
•OMG thank you for this!! I'm bookmarking that site right now because I KNOW we're gonna have more issues. Last time I waited on hold for 2.5 hours just to get disconnected!
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Jamal Harris
my daughter did hers on her phone and i did mine on the computer worked fine just need ur tax info handy
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Ethan Clark
One more important thing: make sure your daughter lists ALL the schools she might attend on her FAFSA. She can add up to 10 schools, and each one will receive her FAFSA information. This ensures she gets aid offers from multiple institutions. If she needs to add more than 10 schools, she can update her FAFSA after submission to swap out schools. Also, double-check that you're using your 2023 tax information for the 2025-2026 FAFSA.
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Aisha Mahmood
•Thank you so much! She has 6 schools she's applied to, so we'll make sure to add them all. And yes, I have our 2023 tax returns ready. Does the FAFSA use our AGI or something else from the tax forms?
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Ethan Clark
•Yes, the FAFSA will use your 2023 Adjusted Gross Income (AGI) as one of the primary data points, along with other information like assets and household size. The new FAFSA uses this to calculate the Student Aid Index (SAI), which is what colleges use to determine aid eligibility. The system can usually import your tax information directly from the IRS using the Data Retrieval Tool, which makes things much easier and reduces errors.
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AstroAce
fyi they changed lots of stuff this year with the fafsa formula so dont trust what ppl tell u from previous years!! the whole calculation thingy is different now (sai not efc
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Aisha Mahmood
Thank you everyone for the helpful responses! I'm much clearer now on how this works. We'll both create separate FSA IDs (with different emails), have her start the application and list all her schools, then I'll complete my section with our 2023 tax info. Really appreciate the warnings about potential technical issues too - I'll definitely save that Claimyr link in case we run into problems. Wish us luck with this financial aid journey!
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Yuki Kobayashi
•Good luck! One final tip: start early and don't wait until the deadline. Many schools have priority deadlines for maximum aid consideration that are earlier than the final FAFSA deadline. These priority deadlines can be as early as January or February for the following fall semester.
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Brandon Parker
Welcome to the FAFSA journey! As someone who just went through this process with my son, I can confirm everything others have said is correct. One thing I'd add is to make sure you both write down your FSA ID usernames and passwords somewhere safe - my son forgot his halfway through and we had to go through the whole password reset process which delayed our submission by a week! Also, don't panic if the application times out while you're working on it - you can save and come back later. The system saves your progress automatically every few minutes. You've got this! The process seems overwhelming at first but once you get started it's pretty straightforward.
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Zoe Papanikolaou
•Thanks for the password tip! I was just thinking about that - my daughter is terrible at remembering login info. Should we write it down physically or is there a secure digital way to store FSA ID credentials? Also, how often does the system time out? Want to make sure we set aside enough uninterrupted time to complete each section.
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