FAFSA confusion: Does step-parent's disability income count if they're not my biological parent?
I'm completely lost with this FAFSA situation. My stepdad (who I've lived with since I was 10) receives social security disability benefits, but he's not my biological father. My mom keeps insisting we need to include his disability payments on my FAFSA application, but I read somewhere that only biological parents' income counts? My biological dad isn't in the picture at all - no contact for years. If my mom and stepdad are married and file taxes jointly, does his disability income still count toward my FAFSA calculation even though we're not biologically related? I'm worried this will mess up my SAI score and reduce my aid eligibility. My counselor at school wasn't sure and financial aid office at my top choice school hasn't returned my calls for 3 days now.
26 comments


Logan Stewart
if ur mom and step dad r married and u live with them then yea his income counts. doesnt matter if hes biological or not. FAFSA looks at the parents that support u, not just bio parents
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Diego Castillo
•Are you 100% sure? That really stinks because his disability checks are going to push us over the threshold for getting good aid, even though that money barely covers his medical expenses. 😫
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Mikayla Brown
The previous response is correct. For FAFSA purposes, if your mom is married to your stepdad and you live with them, your stepdad is considered your legal parent regardless of biological connection. All of his income, including Social Security Disability, must be reported on the FAFSA. The FAFSA definition of a parent includes: - Biological parents (if married) - Adoptive parents - Stepparents (if married to your biological parent) Your stepfather's disability income will be counted as part of your household income for the SAI (Student Aid Index) calculation.
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Diego Castillo
•Thanks for confirming. That's frustrating news, but at least now I know for sure. Is there any way to explain on the application that most of his disability income goes to medical expenses?
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Sean Matthews
same boat last year!!!! it sux but yep stepparents count if they're married to ur parent. doesn't matter if theyre biological or not
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Ali Anderson
What nobody has mentioned yet is that you may qualify for special circumstances consideration. After you submit your FAFSA, contact each college's financial aid office directly to explain your situation. If your step-father's disability income is primarily used for medical expenses, you can request a professional judgment review. The financial aid office has discretion to adjust your SAI calculation if they determine the disability income significantly impacts your family's ability to contribute to your education. You'll need to provide documentation of medical expenses, but it could make a big difference in your aid package. This won't change what you report on the FAFSA initially - you still must include all stepparent income - but it gives you a pathway to potentially have your unique situation considered after submission.
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Diego Castillo
•Thank you so much!! I didn't know special circumstances were even an option. Do you know what kind of documentation I would need to provide? We have tons of medical bills but I'm not sure what format they need to be in.
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Ali Anderson
•You'll typically need to provide: 1. A signed letter explaining the situation 2. Documentation of medical expenses (bills, insurance statements, receipts) 3. Documentation of the disability income (award letters, bank statements showing deposits) 4. Any relevant tax documents that show medical expense deductions Each school has their own form for special circumstances appeals. Some call it a "Professional Judgment Request" or "Special Conditions Form." Contact each school's financial aid office directly to ask about their specific process and requirements.
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Zadie Patel
The system is SO BROKEN!! My stepdad's disability checks barely covered his medical bills too but we still had to report it all on FAFSA and it DESTROYED my financial aid options. They act like that money is available for education when it literally keeps someone ALIVE. I tried appealing with my school but the financial aid office basically told me "too bad so sad" and barely looked at our documentation. The whole FAFSA calculation is rigged against families with medical issues!!!!!
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Diego Castillo
•That's exactly what I'm afraid of! It feels so unfair that money that's barely covering his medical needs counts against me. Did you try appealing to multiple schools or just one?
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Zadie Patel
•I only applied to 2 schools and both were useless. One never even responded to my appeal and the other just sent a form letter rejection. From what I've heard some private colleges are better about appeals than state schools. If I could do it over I would have started the appeal process WAY earlier like in February instead of waiting until April when all the good aid money was gone.
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A Man D Mortal
Hey man I know your struggling to get ahold of the financial aid office. I had the same issue trying to reach FSA agents about my stepdad's income too. I found this service called Claimyr (claimyr.com) that got me through to a real person at the Federal Student Aid office in like 20 minutes when I had been trying for days. They have a video showing how it works at https://youtu.be/TbC8dZQWYNQ. Made a huge difference in getting my specific questions answered about step-parent income rules.
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Diego Castillo
•Thanks for the tip! I've been so frustrated trying to get someone on the phone. I'll check it out - at this point I just need clear answers from someone official.
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Declan Ramirez
I work with financial aid applications regularly, and I want to clarify a few things: 1. Yes, your stepfather's income (including disability) must be reported if he's married to your custodial parent 2. The newer FAFSA (2024-2025 and beyond) uses the Student Aid Index (SAI) instead of the older EFC, but the treatment of stepparent income remains the same 3. Special circumstances reviews (also called professional judgment) are your best option, but success varies by institution 4. When documenting medical expenses, organize them by date and category, and create a summary sheet showing the total amounts - this makes the review easier for financial aid officers 5. Apply to multiple schools including some private institutions, as they often have more institutional aid flexibility than public universities Be persistent and professional in your communications with financial aid offices. Documented facts will help your case more than emotional appeals.
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Sean Matthews
•this is super helpful!! wish id known all this last year when i was applying
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Logan Stewart
my cousin had 2 report her stepdads income and they weren't even living together at the time, just cuz her mom was married to him. the whole system is wack
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Emma Morales
Anyone else notice how this part of FAFSA seems designed to penalize blended families? My stepsister's situation is making her consider delaying college until our parents get divorced (they're considering it anyway) just so she can qualify for better aid. It's absurd that the system pushes families toward these kinds of decisions.
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Zadie Patel
•YES!! I've heard of people getting divorced just for better FAFSA results. The system literally incentivizes family breakdown!
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Diego Castillo
Thank you all so much for the advice. I'm going to: 1. Include my stepdad's disability income on the FAFSA as required 2. Immediately prepare special circumstances documentation for each school 3. Try that Claimyr service to get official clarification from FSA 4. Apply to a few more schools that might have better institutional aid It's frustrating that we have to report income that's basically consumed by medical expenses, but at least now I have a plan. I'll update if I get anywhere with the special circumstances appeals.
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Mikayla Brown
•That sounds like an excellent plan. One additional tip: when you speak with financial aid offices, ask specifically about their medical expense adjustment policies. Some schools have standardized formulas (like subtracting medical expenses exceeding 11% of income), while others handle it case-by-case. Knowing their policy helps you frame your appeal correctly.
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Chloe Green
I went through something similar last year! My stepdad's disability income really hurt our financial aid prospects too. One thing that helped was reaching out to the financial aid offices BEFORE submitting the FAFSA to ask about their professional judgment policies. Some schools were way more helpful than others in explaining what documentation they'd need for medical expense appeals. Also, don't just focus on the big state schools - some smaller private colleges have way more flexibility with institutional aid and are more willing to work with families dealing with medical expenses. I ended up getting a much better aid package from a school I almost didn't apply to because I thought it would be too expensive. Keep pushing on those appeals even if the first response isn't great. Sometimes it takes multiple conversations to get to someone who really understands the situation.
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Ella Russell
•This is really great advice! I never thought about contacting schools BEFORE submitting FAFSA to ask about their policies. That's so smart. Can you share which types of questions you asked when you reached out to them initially? I want to make sure I'm asking the right things when I call.
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Elin Robinson
•@Chloe Green This is such valuable advice! I m'curious too about what specific questions to ask upfront. Also, did you find that private schools were actually more affordable after aid compared to state schools, even with higher sticker prices? I ve'been hesitant to apply to private colleges because they seem so expensive, but if they re'more flexible with medical expense appeals maybe I should reconsider my list.
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CosmosCaptain
•@Chloe Green I m'definitely going to try contacting schools before submitting! What you said about smaller private colleges is really encouraging too. I ve'been so focused on state schools thinking they d'be cheaper, but if they re'less flexible with appeals then maybe I need to broaden my search. Did you end up at one of those smaller private schools that gave you better aid? I m'trying to figure out if it s'worth the extra application fees to apply to more schools at this point.
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Anastasia Sokolov
•@Chloe Green This is exactly what I needed to hear! I ve'been so focused on just the FAFSA submission but hadn t'thought about reaching out proactively. When you contacted schools beforehand, did you call the main financial aid number or is there a specific department that handles professional judgment appeals? I want to make sure I m'talking to the right people who actually understand these policies rather than just general staff who might not know the details.
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Keisha Robinson
•@Chloe Green Your approach of contacting schools beforehand is brilliant! I wish I d'thought of that earlier in this process. I m'definitely going to call them this week before submitting my FAFSA. Did you find that the financial aid officers were receptive to discussing these scenarios upfront, or did some schools brush you off? I m'nervous about calling but your success story gives me hope that there might be more options than I initially thought.
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