FAFSA dependent status confusion - 18-year-old daughter & tax filing implications

For tax purposes and FAFSA, these are actually two different questions with different rules.\n\nFor taxes: You can still claim her as a dependent if she's a full-time student under 24 AND you provide more than half her financial support. Her age turning 18 doesn't change this.\n\nFor FAFSA: She is automatically considered a dependent student until she's 24, regardless of whether you claim her on taxes (with some exceptions like marriage, military service, etc.). \n\nThe important thing to understand is that her tax filing status and your tax filing status don't directly determine her FAFSA dependency status. Even if she files her own taxes, she's still your dependent for FAFSA purposes, and your income information will be required on her application.

Thank you so much for explaining! So we should still claim her as a dependent on our taxes since we're paying for most of her expenses, but either way she'll be considered a dependent on the FAFSA? I was worried that if she filed independently it would somehow help her get more aid.

My son just went through this last year!!! We went through the EXACT same worry. We ended up claiming him on our taxes (he was 19) but let me tell you something - the FAFSA people made it IMPOSSIBLE to figure out how it would affect his aid!!! We called 17 TIMES and got disconnected or put on hold FOREVER each time!!!! It was a NIGHTMARE trying to get a straight answer!!!!!

That sounds so frustrating! Did you ever get through to anyone? I'm worried about making the wrong decision since this financial aid stuff is so complicated.

I had this same question last year with my daughter. The tax dependency and FAFSA dependency are totally different things.\n\nIf you provide more than 50% of her support (which includes housing, food, insurance, tuition, etc.), then you can claim her on your taxes. That's true until she's 24 if she's a full-time student.\n\nFor FAFSA purposes, she's considered a dependent student until she's 24 years old unless she meets one of the special conditions (married, veteran, has dependents of her own, etc.).\n\nDon't overthink this - having her file her own taxes won't increase her aid eligibility. Her FAFSA dependency status is separate from her tax filing status.

That makes sense! So there's really no advantage to her filing independently from a FAFSA perspective. That makes our decision easier.

hi my kid is in the same boat she turned 18 in july and we just did the fafsa and it was so confusing!! the school financial aid office told us that she should do her own taxes because she had a summer job but then the fafsa still wanted all our info anyway so i dont think it matters lol

WRONG. She can file her own taxes AND still be your dependent for tax purposes. Those are different things.

Just to clarify a technical point: For FAFSA purposes, your daughter will be considered a dependent student (meaning your income is factored into her SAI calculation) unless she meets specific criteria like:\n\n- Being 24 or older\n- Being married\n- Having dependent children\n- Being a veteran\n- Being an emancipated minor\n- Being homeless or at risk of homelessness\n\nFor tax purposes, the IRS allows you to claim her as a dependent if:\n- She's under 19 OR a full-time student under 24\n- She lived with you for more than half the year (college housing counts as living with you)\n- She didn't provide more than half her own support\n- She isn't filing a joint return with someone else\n\nThese two systems operate independently. Your daughter filing her own tax return doesn't make her independent for FAFSA, and doesn't prevent you from claiming her as a dependent on your taxes if she qualifies.

Thank you for laying this out so clearly! This makes me feel a lot better about our decision. So she can file her own return (she had a small job) but we can still claim her as a dependent since we provide most of her support, and that won't affect her FAFSA dependency status either way.

when I tried calling FSA about my son's dependent status last year I was on hold for 2+ hours and then got disconnected!! Tried calling back for days and couldn't get through. Then I found Claimyr (claimyr.com) which got me connected to an FSA agent in about 15 minutes! They have a demo video showing how it works: https://youtu.be/TbC8dZQWYNQ \n\nSaved me HOURS of frustration. The agent confirmed that for FAFSA purposes, a student is dependent until age 24 regardless of tax filing status (with those special exceptions others mentioned).

OMG THANK YOU!! Wish I'd known about this last year!!! Going to bookmark this for next year's FAFSA nightmare!!!

Here's the simple version:\n\nTaxes: You claim her as dependent if you provide >50% of her support. Her age doesn't matter if she's a student under 24. Her filing her own return for her job doesn't change this.\n\nFAFSA: She's your dependent until 24 unless she's married, has kids, is a veteran, etc.\n\nThese systems don't directly affect each other. She's a dependent for FAFSA regardless of tax filing choices.

Thanks for breaking it down so simply! That really helps.

One other thing to consider - for the 2025-2026 FAFSA, they've simplified some things but dependency status works the same way. The main difference is they now calculate the Student Aid Index (SAI) instead of the old Expected Family Contribution (EFC). The good news is the new FAFSA should be easier to complete overall, but the dependency rules haven't changed.

That's good to know! I heard the new FAFSA was supposed to be easier but then people had all kinds of technical problems with it this year. Hoping next year's application goes more smoothly.

I STILL don't understand why the tax people and FAFSA people can't just USE THE SAME RULES!!!!!! It's like they DELIBERATELY make it confusing!!!!!

omg right?? its like they want us to mess up so they can deny aid or something lol

Just to follow up on one point - having your daughter file her own tax return for her campus job income doesn't prevent you from claiming her as a dependent on your taxes. If she meets the dependent criteria (which it sounds like she does), she can file her own return AND be claimed on yours. She'll just need to check the box on her return indicating someone else can claim her as a dependent.\n\nThis is totally normal for college students with part-time jobs!

Thank you for that clarification! That makes sense. She didn't earn much from her campus job, just about $3,200 for the fall semester, so I think we're definitely still providing more than half her support.

Welcome to the wonderful world of FAFSA confusion! 😅 I went through this exact same situation with my oldest two years ago. The good news is everyone here has given you spot-on advice - the tax dependency and FAFSA dependency are completely separate systems. Since you're covering most of her expenses and she's a full-time student under 24, you can absolutely still claim her as a dependent on your taxes. Her $3,200 in earnings is nowhere near enough to disqualify her from being your dependent for tax purposes. For FAFSA, she'll be considered your dependent until she's 24 regardless of how you handle taxes. So there's really no financial aid advantage to changing anything - just do whatever makes the most sense for your tax situation. One tip: make sure when she files her return for that campus job income, she checks the box indicating that someone else (you) can claim her as a dependent. That way there are no conflicts between your returns!

This is such a common confusion point for new college parents! I just went through this with my daughter last year and it really helped to think of them as completely separate systems: **Tax dependency = who provides financial support** **FAFSA dependency = age-based rules for financial aid** Since you're covering most of her expenses and she's under 24 as a full-time student, you can definitely claim her as a tax dependent. Her turning 18 doesn't change that at all. For FAFSA, she's automatically considered your dependent until 24, so your income will be used in her aid calculation regardless of how you handle taxes. The key thing is there's no benefit to trying to make her "independent" for taxes - it won't help her get more financial aid, and you'd lose the tax benefits of claiming her as a dependent when you're still supporting her. Just handle it the normal way based on who actually provides her support!

I'm new to this whole college financial aid process, but this thread has been incredibly helpful! My son is a junior in high school and I was already starting to worry about how his turning 18 would affect our taxes and his future FAFSA application. It's such a relief to see that the tax dependency and FAFSA dependency are completely separate systems. I had no idea that students are automatically considered dependents for FAFSA purposes until they're 24 - I thought it had something to do with whether we claim them on our taxes or not. One quick question - does anyone know if having multiple kids in college at the same time affects this at all? We'll likely have two in college overlapping for a couple years, and I want to make sure I understand how that works with both the tax and FAFSA dependency rules. Thanks to everyone for sharing their experiences - this community is amazing for helping navigate all this confusing stuff!

As someone who just went through this exact situation with my daughter last year, I can confirm what everyone else is saying - you're definitely overthinking this! The confusion between tax dependency and FAFSA dependency trips up SO many parents. Here's what we learned: - We claimed our daughter as a tax dependent because we provided more than half her support (tuition, room, board, etc.) - She filed her own tax return for her part-time job earnings (about $4,000) - On her return, she checked the box saying someone else could claim her as a dependent - For FAFSA, she was automatically considered our dependent regardless of any tax decisions The key insight that helped us: there's literally no financial aid advantage to making her tax-independent. FAFSA dependency is based on age (under 24) and other specific criteria, not on tax filing status. Your situation sounds identical to ours - claim her as your dependent since you're supporting her, let her file for her campus job if needed, and don't stress about the FAFSA implications. The systems really are separate! One bonus: claiming her as a dependent saved us more in taxes than we would have gained from any theoretical FAFSA benefit (which doesn't exist anyway).

I'm so glad I found this thread! I'm in a very similar situation with my daughter who turned 18 in September and started college this fall. I've been losing sleep over whether we're handling this correctly. Reading through all these responses has been incredibly helpful. The key takeaway that really clicked for me is that tax dependency and FAFSA dependency are completely separate systems with different rules and purposes. I was making the mistake of thinking they were connected somehow. For anyone else who might be confused like I was: - Tax dependency = based on who provides financial support (can claim her if you provide >50% support and she's a full-time student under 24) - FAFSA dependency = age-based system (she's automatically your dependent until 24 unless she meets special exceptions like marriage, military, etc.) What really sealed it for me was realizing there's no financial aid advantage to making her tax-independent. Since FAFSA will consider her our dependent regardless of tax filing status, we might as well claim the tax benefits since we're actually supporting her. Thanks to everyone who shared their experiences - this community is a lifesaver for navigating all this confusing stuff!