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Theodore Nelson

FAFSA contributor confusion - married filing jointly but husband is EU citizen

I think I messed up our FAFSA contributor setup and need urgent help! My daughter completed her portion and added both me and my husband as contributors (we're married & file taxes jointly). I went ahead and filled out my section, including our joint tax info, but I only listed the bank accounts and investments in MY name. I thought my husband would list his separate assets when he completed his contributor section. But now I'm reading that for married couples filing jointly, only ONE parent needs to be a contributor?? Did I just waste time? Is he even supposed to fill out a separate form? I never saw anywhere to add his SSN or name in my section. To complicate things, my husband is an EU citizen (has a US SSN though). What's the correct way to handle this? Can/should he still complete a contributor section? Will this delay my daughter's financial aid if we've done it wrong? She's counting on getting her SAI score soon for scholarship applications!

AaliyahAli

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You're correct that for married filing jointly, only one parent needs to complete the contributor section on FAFSA. In fact, the system is designed for exactly that - one parent from a married household handles the contributor portion. Your husband should NOT complete a separate contributor section since you've already included joint tax information. The assets question is important though - you should have included ALL household assets that belong to both you and your husband, not just accounts in your name. You'll need to go back and edit your contribution to include his accounts and investments as well.

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Thank you! So to clarify - I need to go back and add HIS bank accounts and investments to MY contributor section? There's no way for him to input them himself? I'm just worried because some of his accounts are in Europe and I don't have all the details.

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Ellie Simpson

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Omg i had this EXACT problem last week!!! My husband is Canadian (not EU but still foreign) and we were both trying to fill out separate sections and got SO confused. The FAFSA website is literally the worst designed thing ever 🤬

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Did you figure it out? What did you end up doing?

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Ellie Simpson

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Yeah we just had one of us do it (me) and i put ALL our assets together. Foreign accounts too. It worked fine!

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Arjun Kurti

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For the 2025-2026 FAFSA, when parents are married filing jointly, only one parent completes the contributor section, but that parent must report the combined assets of both parents. Your husband should not complete a separate contributor section. You need to edit your contributor information to include: 1. All bank accounts owned by either spouse 2. All investments owned by either spouse 3. All business assets owned by either spouse Regarding your husband's citizenship: As long as he has a valid SSN, his EU citizenship doesn't matter for FAFSA purposes. The important thing is that you included your joint tax information already. I recommend editing your contributor information as soon as possible to avoid delays in your daughter's SAI calculation. All parent assets must be reported regardless of whose name they're in.

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Thank you for such clear instructions! I'll go back and edit my section to add his accounts. Some are in Europe - do I need to convert those to USD? And should I use today's exchange rate or the exchange rate from when we filed taxes?

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Arjun Kurti

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Yes, you'll need to convert all foreign accounts to USD. Use the exchange rate from the date you're submitting the FAFSA information (today's rate), not from when you filed taxes. The Department of Education wants current values of all assets.

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Raúl Mora

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the fafsa is ALWAYS confusing. but yeah only one parent does the contributor thing if ur married filing together. just make sure u include all assets for both of you when u go back and fix it. my friend's dad is from germany and they had to include his german bank accounts too but converted to dollars

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Margot Quinn

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I just went through this exact scenario last month. You absolutely need to go back and add ALL assets from both you and your husband to your contributor section. There's no separate section for him to complete. The most frustrating part was trying to reach someone at Federal Student Aid to confirm this. I spent THREE DAYS trying to get through their phone line before I found Claimyr (claimyr.com). They got me connected to an FSA agent in under 20 minutes who confirmed everything I'm telling you. Saved me hours of waiting and getting disconnected! Check out their demo: https://youtu.be/TbC8dZQWYNQ if you need to actually talk to someone at FSA to sort this out.

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Thank you for this tip! I might need to call if I get stuck again. The FAFSA website is so frustrating and the help documentation isn't clear about international accounts.

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Evelyn Kim

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Umm pretty sure your husband needs to fill out his own contributor section too?? My parents both did separate ones, and one has foreign accounts. Maybe it depends on if he's a US citizen or permanent resident??

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AaliyahAli

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This is incorrect information. For the 2025-2026 FAFSA, married parents who file jointly should have only ONE parent complete the contributor section. If both parents completed separate sections in your case, one was unnecessary and might actually cause processing delays.

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Diego Fisher

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wait this is making me panick... i did the same thing and only included my assets not my husbands!!! my daughters fafsa has already been processed and she got her SAI score... are we going to get in trouble for reporting incorrectly??? should i fix it now????

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Arjun Kurti

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Yes, you should correct this as soon as possible. You can submit a correction to your FAFSA contribution. While your daughter has received her initial SAI score, providing incomplete asset information could be considered misrepresentation. Schools may verify this information, and discovering unreported assets could lead to a revised (higher) SAI and potentially reduced aid offers.

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I just want to share another dimension to this. My wife is from South Korea, and while we file taxes jointly, some of her foreign accounts aren't technically reportable on US taxes due to certain thresholds. HOWEVER, all assets regardless of location or tax reporting status must be included on the FAFSA. We learned this the hard way when our son's university financial aid office verified our FAFSA and requested documentation for all assets. So definitely include everything!

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Thank you everyone for your help! I went back and edited my contributor section to include ALL our household assets, including my husband's EU accounts (converted to USD with today's exchange rate). The form is now reprocessing, and my daughter should get her updated SAI score within 3-5 business days according to the confirmation message. This forum saved us from what could have been a major issue later on!

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AaliyahAli

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Excellent! You've done exactly the right thing. This shouldn't cause a significant delay in your daughter's overall financial aid process, especially since you caught and corrected it quickly.

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