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Evan Kalinowski

FAFSA asking for my 2021 tax info when separated but not divorced - was unemployed and didn't file

I'm seriously confused about how to fill out the 2025-2026 FAFSA. They're asking for my 2021 tax return information, but I was in a weird situation back then. I was separated from my husband (not legally divorced yet) and completely unemployed that year, so I didn't file any tax return at all. My ex filed as Head of Household, and I honestly have no clue if he claimed me as a dependent or not. Can I just put '0' or 'didn't file' for all the tax questions that apply to me? Or does FAFSA want me to somehow include my ex's tax info since we weren't officially divorced? I don't even have access to his tax documents anymore, and we're definitely not on speaking terms. Has anyone dealt with something similar?

You should only report YOUR information, not your ex's. Since you were separated (even if not legally divorced) and didn't file taxes, you can select the option that indicates you 'Will not file' or 'Not required to file' depending on the exact wording on the form. For any income questions, enter '0' if you truly had no income. The FAFSA will likely require you to submit verification of non-filing which you can request from the IRS using Form 4506-T. This just confirms you weren't required to file that year. Don't worry about whether your ex claimed you as a dependent - that's his tax situation, not yours. Your FAFSA should reflect your personal financial situation only.

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Thank you! That makes sense. I was afraid they'd reject my application if I put zeros everywhere. I'll look into that Form 4506-T for verification of non-filing. Do you know how long that usually takes to process?

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Jasmine Quinn

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i went thru something kinda similar except i was officially divorced by then. the fafsa people are SUPER strict about making sure dates match up exactly. if u were still legally married in 2021 even if separated they might actually want both incomes?? the whole system is designed for traditional families and its sooooo frustrating when your situation doesnt fit in their little boxes!!!

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Oh no, that's exactly what I was worried about! I wonder if I need to track down my ex somehow and get his information. We were definitely still legally married in 2021, just living separately. This is such a mess.

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Oscar Murphy

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I've helped several students through similar situations. Here's what you need to know: 1. Your marital status that matters is the one ON THE DAY you submit the FAFSA, not the tax year they're asking about. 2. If you're divorced or separated NOW when filling out the form, you only report YOUR info, not your ex's - regardless of how you filed in 2021. 3. Since you didn't file taxes in 2021, select "Will not file" and enter zeros where appropriate. 4. The FAFSA will likely flag you for verification. You'll need to get a "Verification of Non-filing Letter" from the IRS (use Form 4506-T). 5. If your ex claimed you as a dependent in 2021, it doesn't matter for your FAFSA now, as long as you're not currently his dependent. Don't panic - this is a common situation and there's a clear process for handling it.

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Thank you so much for breaking it down like this! That's incredibly helpful. So even though they're asking about 2021 taxes, it's my current marital status that determines whose information goes on the form? That makes me feel much better. I'll definitely get that verification letter.

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Nora Bennett

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the fafsa is the absolute worst when ur situation isnt cookie-cutter perfect!!!! i remember i spent like 3 weeks trying to figure out how to report my stepmoms income and almost missed the priority deadline because their instructions were so confusing

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Ryan Andre

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Saaaame. My parents are divorced but the form kept asking for both their info and I was like ??? which one??? The whole system needs a complete overhaul tbh.

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Lauren Zeb

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I faced an IDENTICAL situation last year. I was separated in 2021 (divorce finalized in 2022) and didn't file taxes because I had no income. I called the Federal Student Aid helpline like 6 TIMES and got disconnected or was on hold for hours each time. It was beyond frustrating. Finally, I discovered Claimyr (claimyr.com) which got me connected to an actual FSA agent in less than 20 minutes. They confirmed I should put zeros for my income and select the "will not file" option, and that I needed to get a Verification of Non-filing Letter from the IRS. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ The agent also told me that if you're separated and maintaining separate households (even without legal documentation), you can consider yourself "separated" for FAFSA purposes and only report your own info.

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Thank you for sharing this! I've been trying to call FSA too and just get stuck in hold purgatory. I'll check out that Claimyr service - anything to avoid spending hours on hold just to get disconnected. It's such a relief to hear from someone who dealt with the exact same situation.

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are u sure u didnt have ANY income in 2021? like not even unemployment benefits or cash jobs? cause they can check that stuff and if theres any discrepancy theyll flag ur application and delay everything. happened to my roommate last year and she had to wait like extra 2 months for her aid to process

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That's a good point. I did get a small amount from selling some crafts online, but it was less than $400 total for the year. I didn't think that was enough to file taxes on, but maybe I should include it? I definitely don't want my application flagged!

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Yes, you should report ALL income, even if it was below the filing threshold. There's a difference between "didn't file because I wasn't required to" and "had zero income." If you made less than $400 in self-employment income, you weren't required to file a tax return, but you should still report that amount on your FAFSA. Be honest about the small amount of income from selling crafts. When you get your Verification of Non-filing Letter, you'll also want to provide a signed statement explaining your situation - that you were separated (though not legally divorced), lived separately from your spouse, had minimal income from selling crafts, and weren't required to file taxes. Transparency is always the best approach with financial aid.

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Thank you for clarifying! I'll definitely include the craft income and provide that explanation with my verification letter. I appreciate everyone's help - this has made the process much less intimidating.

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Jasmine Quinn

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this whole system makes me so angry!!! why do they make it so complicated?? its like they WANT to deny people financial aid by creating all these impossible hoops to jump through...

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Oscar Murphy

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While I understand your frustration, the verification process is actually designed to ensure aid goes to those who truly need it. The good news is that the FAFSA has been simplified somewhat for the 2025-2026 application year, though specific situations like the one described here still require some extra steps.

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