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Kaitlyn Jenkins

FAFSA confusion after separation - schools wanting different marital status updates

I'm going through a separation and the FAFSA process is making it 10x more stressful! Initially, I marked 'separated' on my FAFSA but included both our incomes since I was using our joint 2022 tax return. Then one school's financial aid office told me to change the FAFSA to reflect only my income and submit a letter explaining the situation. After I did that, they called requesting a specifically worded letter about being "informally separated" (which I submitted). Now THIS MORNING they want me to go back and mark 'married' instead?? I've already submitted two corrections and each one takes DAYS to process before schools can see the updates. I'm worried about more delays since we're trying to compare aid packages before the decision deadline. Has anyone else dealt with this separation situation? How are other schools handling your marital status for FAFSA purposes? Any advice would be so appreciated!

Caleb Bell

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omg this sounds exactly like what im going thru!!! separated last august, did my fafsa in october and i put separated but used our joint tax return. financial aid office at my son's first choice school is saying one thing, but his second choice is telling us something completely different! the whole process is a NIGHTMARE and im so stressed about it affecting his aid packages

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It's so frustrating! How are you handling the different instructions? I'm worried if I keep making changes for one school it might mess things up with the others...

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The confusion you're experiencing is unfortunately common with the 2025-2026 FAFSA. The issue is that different schools interpret the "separation" rules differently, especially with informal separations that occurred after the tax year being reported. Here's what I recommend: 1. Contact each school's financial aid office individually to understand their specific requirements 2. Document every conversation (date, advisor name, instructions given) 3. Ask if they can place a note in your file about the situation 4. Consider requesting a special circumstances review or professional judgment The key is making sure each school understands your actual current financial situation, regardless of what the FAFSA technically shows.

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Thank you so much! I didn't know about the special circumstances review option. I'll definitely start keeping better records of who I talk to - this makes a lot of sense.

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Rhett Bowman

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FAFSA is THE WORST with these situations! When I separated, one school told me to declare "married filing separately" even though we filed jointly that year. Another wanted me to submit a formal legal separation document which I didn't have yet. Total nightmare. Each school seems to make up their own rules.

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Did you end up having to make different corrections for different schools? That's what I'm afraid might happen!

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Abigail Patel

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Financial aid counselor here. This scenario happens frequently. The issue stems from FAFSA requiring your marital status as of the day you submit the application, but using tax information from a previous year when your status was different. Many schools will request a "Special Circumstance Form" where you document your current financial situation. This is processed through Professional Judgment, allowing aid officers to adjust your FAFSA data to more accurately reflect your actual financial situation. One important note: Your SAI (Student Aid Index) calculation may differ between schools based on how they handle your separation. This is normal and within their discretion.

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Thanks for the insights! I've heard of SAI but wasn't sure how it worked with special circumstances. Do I need to proactively ask each school about their process or will they typically reach out if they need more info?

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Daniel White

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When I went through this last year, I spent DAYS trying to reach someone at Federal Student Aid to get a definitive answer because every school was telling me something different. I finally used Claimyr (claimyr.com) to get through to an actual FSA agent instead of waiting on hold forever. They have this quick video that shows how it works: https://youtu.be/TbC8dZQWYNQ The agent confirmed that my marital status should reflect the day I submitted the FAFSA, but that schools have discretion to request additional documentation for special circumstances. At least having the official FSA guidance helped me when talking to the different financial aid offices.

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Nolan Carter

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Does this actually work? I've been calling FSA for WEEKS about my verification issue and never get through to anyone.

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Daniel White

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It worked for me! I was skeptical too but I was desperate after being on hold for hours across multiple days. Got connected to someone in about 20 minutes who actually knew what they were talking about.

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Natalia Stone

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lol welcome 2 the wonderful world of FAFSA where the rules r made up and nothing makes sense 😂 i just did whatever each school told me to do and hoped for the best honestly

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Honestly starting to feel like that's my only option at this point! 😭

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Nolan Carter

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Same situation and I FINALLY got some clarity after weeks of confusion. What worked for me was submitting a letter explaining the separation along with documentation showing separate addresses (utility bills, lease, etc). I included approximate date of separation and current individual income info. I submitted this to EVERY school my daughter applied to, not just the ones that asked. Most schools processed this through their "professional judgment" process and recalculated her aid package based on just my income. Don't keep changing your actual FAFSA! The correction process is too slow. Let the schools make the adjustments on their end.

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This is super helpful - thank you! I think I've been overthinking it by trying to make the FAFSA itself perfect rather than letting the schools adjust things on their end. I'll put together that documentation package today.

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Abigail Patel

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Just to follow up with more specific advice: when schools ask for different things, it's because they're approaching your situation through different institutional policies. All of them are working toward the same goal - accurately assessing your current financial situation - but their processes differ. Instead of making multiple FAFSA corrections, I recommend: 1. Return to your original FAFSA (either separated or married, whichever matches your status on the day you first submitted) 2. Create a standard documentation package (separation explanation, current income, living situation proof) 3. Submit this package to all schools proactively 4. Include a cover letter explaining the FAFSA confusion you've experienced This approach puts you ahead of the process rather than constantly reacting to different school requests.

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This makes so much sense - thank you! I feel like I have a clear plan now instead of just responding to whatever each school asks for. Going to get this documentation package together right away.

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I went through something similar last year when my divorce was finalized right after I submitted my FAFSA. What helped me was creating a timeline document that showed exactly when my marital status changed and what income/tax information I was using for which time periods. I included this with every communication to financial aid offices along with copies of relevant legal documents. Most schools were actually pretty understanding once they could see the full picture laid out clearly. The key is being proactive and consistent with your documentation across all schools rather than waiting for them to ask for different things. Good luck - I know how overwhelming this process can be!

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