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Elijah O'Reilly

FAFSA asking for 2022 tax info for 2024-25 application after divorce - major income change

I'm completely confused about why FAFSA is asking for my 2022 tax information when I'm applying for the 2024-25 school year. My divorce was finalized last year and my financial situation now is NOTHING like it was in 2022. Back then, our household income was over $95,000, but now I'm making less than $38,000 as a single parent with two kids. How is this fair? Am I supposed to receive aid based on an income I no longer have? Is there any way to get them to consider my current situation instead of using 3-year-old tax info that doesn't reflect reality?

Amara Torres

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This is actually how the new FAFSA works for everyone now. The 2024-2025 FAFSA uses what they call a 'prior-prior year' approach, which means they look at tax information from 2022. The good news is that your divorce qualifies as a 'special circumstance' that schools can consider. After completing your FAFSA with the 2022 information, you'll need to contact each school's financial aid office directly to request a 'professional judgment' review (sometimes called an income appeal). You'll need documentation of your divorce and current income situation. Each school handles these differently, but most have a specific form for this purpose.

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Thank you so much for explaining! I was starting to panic because my SAI would be ridiculously high based on that old income. Do I need to wait until after I submit the FAFSA to contact the schools? And what kind of documentation should I start gathering now?

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omg same boat!! got divorced in 2023 and my income dropped by like 60%!! the whole system is messed up IMO

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It's awful, right? Are you also trying to figure out the special circumstances thing? I'm worried schools won't take my situation seriously.

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Mason Kaczka

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The FAFSA system is DELIBERATELY designed to make it harder for people going through major life changes!!! My son couldn't get proper aid because they used income from when my husband was still alive. I fought with THREE different schools and only ONE actually adjusted his aid package. The other two basically told us to take out more loans. The entire system is broken and favors families with stable incomes.

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Sophia Russo

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This isn't entirely accurate. While the system can be frustrating, schools are actually required by federal regulation to consider special circumstances. The issue is that each school has different processes and documentation requirements. Some schools are definitely more generous with professional judgment than others, but they all must have a process for it.

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Sophia Russo

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Professional judgment reviews (for special circumstances like divorce) are handled at the school level, not by Federal Student Aid directly. After you submit your FAFSA, you should: 1. Download and save your SAI confirmation page 2. Contact each school's financial aid office immediately 3. Ask specifically about their "professional judgment" or "special circumstances" process for significant income changes due to divorce 4. Prepare documentation: divorce decree, recent pay stubs, current year tax return if filed, and a written explanation of your situation Each school will recalculate your aid eligibility based on your current financial reality. Don't wait for them to contact you - be proactive!

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This is incredibly helpful. I'm starting to understand the process better now. Do all schools typically have forms for this on their financial aid websites, or will I need to call each one individually?

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Evelyn Xu

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I went through this exact situation last year! Try calling the Federal Student Aid number directly to explain your situation. I spent HOURS trying to get through to someone who could help with my special circumstances after my divorce. FINALLY found a service called Claimyr (claimyr.com) that got me connected to a FAFSA agent in less than 10 minutes when I'd been trying for days on my own. Their video demo shows how it works: https://youtu.be/TbC8dZQWYNQ FYI though - the FAFSA people will tell you to contact each school individually. But at least they can note your account and explain exactly what to do next.

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Thanks for the tip! I tried calling once but gave up after being on hold forever. I'll check out that service if I need to speak with FSA directly. Did the schools end up adjusting your aid significantly after you went through the process?

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Dominic Green

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im filling out for my daughter and dealing with same issue but opposite problem...2022 i was broke af working part time, now i got a good job making 3x as much! don't complain, this system is working great for us lol

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Mason Kaczka

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This is EXACTLY the problem with the system! It works for some and totally screws others. There's no consistency or fairness.

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Hannah Flores

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Just want to add some important information here. When you submit documentation for a professional judgment review, be extremely detailed and specific. I work in a university financial aid office, and the requests that get approved fastest have: 1. A detailed timeline showing when the divorce happened and when income changed 2. Very specific documentation (not just pay stubs, but also account statements showing current living expenses) 3. A projection of annual income for the current year with explanation Also, each school can make their own decision - getting approved at one school doesn't mean automatic approval at others. And some schools have limited professional judgment funds, so apply early.

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Thank you for the insider perspective! This is so helpful. Would it be better to submit all this information right after I submit my FAFSA, or should I wait until schools contact me after receiving my FAFSA data?

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Amara Torres

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Just to clarify something important - the professional judgment process doesn't actually change your FAFSA or your official SAI number. What happens is: 1. Your FAFSA submission with 2022 data creates your official SAI 2. Schools receive this SAI as your official one 3. When you request professional judgment, schools individually recalculate what your SAI would be with updated information 4. They then adjust your financial aid package at THEIR institution based on this recalculated SAI Your official SAI on studentaid.gov will never change, which confuses many people. Each school effectively creates their own internal modified SAI for you.

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Oh that makes so much more sense! I was wondering how the FAFSA system would update my SAI. So I need to be prepared for each school to potentially have a different process and possibly reach different conclusions about my financial need?

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Hannah Flores

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One more thing - start the professional judgment process as soon as possible after submitting your FAFSA. Many schools allocate their institutional funds (grants, scholarships) early in the cycle. If you wait until close to enrollment time, they may have already committed most of their discretionary aid funds, leaving mainly loans as options for you. Timing really matters!

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That's really good to know! I'll submit my FAFSA this weekend and then immediately reach out to all the schools. Thanks again for all the helpful information from everyone.

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