FAFSA approved but university denied aid because we have no ITIN or tax returns - urgent help needed
My daughter got approved for FAFSA financial aid, but now the university is denying her the assistance because we haven't filed tax returns. We don't have ITINs (Individual Taxpayer Identification Numbers) so we couldn't file. The financial aid office is saying they can't process her aid package without our tax information. Has anyone dealt with this situation before? What options do we have? The semester starts in 3 weeks and we're desperate for solutions. Will she lose all her financial aid? Can we still apply for an ITIN now and would that help?
22 comments


Hailey O'Leary
the finacial aid office should have a process for this! my cousin had the same problem last year bcuz his parents dont have social security #s. ask for a 'special circumstances form' or 'non-filer documentation'. different schools call it different things
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Marcus Marsh
•Thank you! I'll ask about that form tomorrow. Did your cousin eventually get financial aid? How long did the process take?
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Cedric Chung
This is actually a common situation for families without ITINs. The university needs to verify the income information you provided on the FAFSA. Since you don't have tax returns, you'll need to submit alternative documentation. Most schools have a process called 'Verification for Non-Tax Filers' which includes: 1. A non-filer statement (the school should provide this form) 2. Documentation of any income received (like W-2s or pay stubs) 3. A letter explaining your situation regarding lack of ITINs You should contact the financial aid office immediately and ask specifically about their non-tax filer verification process. Your daughter won't necessarily lose all her aid, but the process needs to be completed before they can disburse funds.
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Marcus Marsh
•This is really helpful information! We do have some pay stubs we could provide. Would my employer's letter stating my income work too? We don't have W-2s since we're paid in cash for most jobs.
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Cedric Chung
•Yes, employer letters stating income can work! Bring all documentation you have that shows income - pay stubs, employer letters, even bank statements showing deposits. The key is being thorough and transparent about your financial situation. The financial aid office is used to working with diverse situations.
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Talia Klein
OMG this SAME thing happened to us with my son!!! The university kept sending us emails asking for tax transcripts we couldn't provide. We were FREAKING OUT for weeks and his fall aid was delayed by almost a month. It was a NIGHTMARE trying to get someone at the financial aid office who actually understood our situation!!!
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Marcus Marsh
•That sounds incredibly stressful! How did you eventually resolve it? Did your son get his financial aid in the end?
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Talia Klein
•Yes, but it was a BATTLE. We had to go IN PERSON to the financial aid office THREE TIMES!!! The first two times the person helping us didnt understand our situation AT ALL. Finally we got someone who knew about the special form for people who cant file taxes. My advice: GO IN PERSON and don't leave until they actually HELP YOU!!
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Maxwell St. Laurent
You should know that you're still eligible to apply for ITINs even now. While it won't solve your immediate financial aid issue (ITIN applications typically take 7-11 weeks to process), it could help for future academic years. For your current situation, here's what you need to do: 1. Request the university's 'Verification of Non-Filing' form 2. Submit a statement explaining why you don't have ITINs or tax returns 3. Provide alternative income documentation (pay stubs, employer letters) 4. Ask about the university's institutional aid options that might have different requirements Many schools have emergency aid funds specifically for cases where federal aid is delayed. Ask about these resources too.
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Marcus Marsh
•Thank you! I didn't realize we could still apply for ITINs. Do you know if this would affect my immigration status in any way? That's been one of our concerns with getting ITINs.
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Maxwell St. Laurent
•Great question - applying for an ITIN does NOT affect your immigration status. The IRS is prohibited from sharing ITIN application information with immigration enforcement agencies. The ITIN is strictly for tax purposes and allows you to comply with tax filing requirements regardless of immigration status.
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PaulineW
I tried calling the Federal Student Aid helpline about a similar issue for my daughter and spent HOURS on hold only to get disconnected. So frustrating! Finally I tried using Claimyr (claimyr.com) to get through - they called and waited on hold for me then connected me when an agent was available. Saved me so much time! They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ
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Annabel Kimball
•does that actually work? i tried calling fafsa like 5 times last month and couldn't get through to ANYONE
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PaulineW
•Yes, it actually worked for me! Got connected to a live agent in about 45 minutes (which is way better than the 3+ hours I wasted trying on my own). The agent I spoke with was able to document our situation and add notes to my daughter's FAFSA file, which helped when dealing with the university.
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Chris Elmeda
The federal SAI (Student Aid Index) calculation doesn't actually require tax returns to be filed - it requires income information, which you can provide through alternative documentation. This is a common misconception. The problem is that universities often have their own verification procedures that go beyond federal requirements. Make sure you're clear about which aid is being held up - is it federal grants like Pell, or is it the university's institutional aid? They might have different requirements for each type of aid. Sometimes you can get the federal portion released while still working on documentation for institutional scholarships.
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Marcus Marsh
•That's a really important distinction I hadn't thought about! The financial aid letter mentioned both Pell Grant and university grants. I'll ask them specifically about processing the federal portion while we work on the documentation they need.
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Jean Claude
why did u wait so long to deal with this?? my brother went thru this same thing but we started the process in JANUARY when we first applied. now ur stressed about 3 weeks deadline? shoulda planned better honestly
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Marcus Marsh
•We actually started the process early too, but there was confusion because her FAFSA was initially approved. We only found out about this tax verification requirement last week when the university emailed us about missing documents. We thought everything was fine until then.
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Talia Klein
•Not helpful AT ALL. Different schools have different timelines and some don't tell you about verification until right before the semester! Happened to us too and we applied super early!
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Cedric Chung
Just an update based on the conversation: once you get your documentation sorted out with the university, double-check that your daughter's aid package includes all components she's eligible for. Sometimes when there are verification delays, students miss out on first-come-first-served aid like Federal Work-Study or certain institutional grants. Ask the financial aid office to review her entire eligibility once the verification is complete.
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Marcus Marsh
•That's really good to know. She was counting on work-study as part of her package. I'll definitely ask them to review everything once we get through this verification process.
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Nia Johnson
I work at a university financial aid office and see this situation frequently. Here's what I recommend doing immediately: 1. Schedule an in-person appointment (don't just call) with a senior financial aid counselor - ask specifically for someone experienced with non-filer cases 2. Bring ALL income documentation you have: pay stubs, bank statements showing regular deposits, any 1099s if you received them, employer letters on company letterhead stating your wages 3. Ask for the "Verification of Non-Filing" form AND the "Statement of Educational Purpose" - you'll need both 4. Request that they process any federal aid (Pell Grant, Direct Loans) that doesn't require additional verification while you complete the documentation for other aid Most importantly: explain that you're willing to provide alternative documentation and ask what specific forms they need. Don't let them just say "we need tax returns" - push for the alternative process. Every school is required to have procedures for non-filers. If the first person you speak with seems confused, ask to speak with their supervisor. You've got this!
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