FAFSA dependent status confusion - raised by grandparents but not adopted
I'm filling out my first FAFSA for 2025-2026 and I'm totally confused about whose information to include. My situation is complicated - I've lived with my grandparents my entire life (17 years) and they've supported me 100%. My parents have never provided any financial support and I've never lived with either of them. I'm not legally adopted by my grandparents though. The FAFSA asks for parent information but I'm not sure if I should put my biological parents (who I have zero contact with) or my grandparents (who actually raised me). I don't want to mess this up and lose financial aid opportunities. Do I need legal documentation to prove my situation? Does anyone know what I'm supposed to do here?
23 comments


Yara Elias
You need to put your biological parents on the FAFSA unless you qualify for a dependency override. Being raised by grandparents without formal adoption doesn't automatically make you independent for FAFSA purposes, but it might qualify you for a dependency override. Contact your school's financial aid office about requesting a dependency override. You'll need to document that you have no contact with your parents. Get letters from professionals who know your situation (counselors, social workers, teachers) confirming your family circumstances. The financial aid administrator has discretion to grant this on a case-by-case basis.
0 coins
Connor Byrne
•Thank you for explaining! So I definitely need to talk to the financial aid office at the colleges I'm applying to? I was hoping there would be a way to just explain this on the FAFSA form itself.
0 coins
QuantumQuasar
i had sorta similar situation. my aunt raised me not my mom. when i did fafsa they made me put my biological mom even tho i hadnt seen her in 5 yrs. it was a huge pain cuz she wouldnt give me her tax info. had to get waiver
0 coins
Connor Byrne
•Oh no, that sounds really stressful. Did you eventually get the waiver? How long did that process take?
0 coins
Keisha Jackson
This is actually a common issue. For FAFSA purposes, your legal parents are biological, adoptive, or step-parents. Since your grandparents haven't legally adopted you, they aren't considered your parents for FAFSA. However, you have a good case for a dependency override based on what's called "documented abandonment." You'll need to request this directly from each college's financial aid office - there's no way to request it on the FAFSA form itself. Each school will have their own process and documentation requirements, but typically they'll want: - Letters from professionals (teachers, counselors, clergy, etc.) who know your situation - Any court documents if available - A personal statement explaining your circumstances - Sometimes documentation that you support yourself financially Start this process early as it can take time. Without an override, you'll be stuck trying to get information from parents you don't have contact with.
0 coins
Paolo Moretti
•This happened to my cousin and they made her track down her dad who she hadnt seen since she was 3!! So stupid that the system doesnt have a better way to handle this.
0 coins
Amina Diop
THEY MAKE THIS SO UNNECESSARILY COMPLICATED!!! 😤 I went through literal HELL getting my FAFSA sorted because my mom wasn't in my life. Had to jump through so many hoops to prove I didn't have contact with her. The system is totally BROKEN when they make kids beg for info from parents who abandoned them. My advice? Start the dependency override process IMMEDIATELY with every school. Don't wait. The financial aid offices can be slow and unhelpful. Document EVERYTHING. And be prepared to tell your life story over and over to prove you deserve aid. It's humiliating but necessary.
0 coins
Connor Byrne
•Honestly that sounds really overwhelming. I'm worried about having to explain my personal family drama to strangers over and over. Did you find any financial aid officers who were actually helpful?
0 coins
Oliver Weber
I had the exact same problem last year! The phone wait times with FSA were ridiculous - I spent 3+ hours waiting multiple times trying to figure out what to do. I finally used Claimyr (claimyr.com) to get through to an actual human at Federal Student Aid who walked me through the dependency override process. They have this service that gets you through the phone queue so you don't waste hours waiting. They have a video demo at https://youtu.be/TbC8dZQWYNQ showing how it works. Once I talked to someone, they explained that while I couldn't change my status on the FAFSA form itself, they could note my account to help support my dependency override requests with schools. Made a huge difference having that confirmation from FSA directly.
0 coins
Connor Byrne
•Thank you for the tip! I didn't know there was a service like that. I tried calling FSA once already and gave up after 45 minutes. I'll check out that site because I definitely need to talk to someone who can help with my specific situation.
0 coins
Natasha Romanova
why dont u just fill it without parent info? thats what my friend did cause his dad wouldn't give him his tax stuff. he still got some financial aid but maybe not as much
0 coins
Keisha Jackson
•That's actually not a good strategy. If you submit a FAFSA without required parent information, it will be considered incomplete. You won't be eligible for any federal financial aid including loans, and most state and institutional aid as well. Your friend likely only received private scholarships that didn't require FAFSA completion. Going through the proper dependency override process is the only way to officially submit without parent information.
0 coins
Yara Elias
After going through your responses, I want to clarify the steps you should take: 1. Gather documentation of your situation (letters from counselors/teachers, any court documents, etc.) 2. Contact the financial aid office at EACH college you're applying to and ask about their dependency override process 3. Complete the 2025-2026 FAFSA as best you can - you may need to put zeros or indicate that you can't provide parent information 4. Submit the specific documentation required by each school 5. Follow up regularly with each financial aid office Each school makes its own determination, so being approved for a dependency override at one school doesn't automatically transfer to others. Start this process as early as possible - ideally months before you need your financial aid package finalized.
0 coins
Connor Byrne
•Thank you for laying out the steps so clearly. I'll start collecting those letters and documentation right away. I'm applying to 6 different schools so I guess I'll need to go through this process with each one separately. Really appreciate all the advice!
0 coins
Yuki Tanaka
I went through something similar when I was applying to college. One thing that really helped me was keeping a detailed timeline of my living situation and financial support. Write down when you moved in with your grandparents, any attempts your biological parents made to contact you (or lack thereof), and how your grandparents have supported you financially. Also, don't be discouraged if the first financial aid officer you talk to isn't helpful. I had to escalate to a supervisor at one of my schools to get someone who really understood my situation. Some schools are more experienced with these cases than others. The emotional part is tough too - having to repeatedly explain why your parents aren't in your life can be draining. But remember that financial aid officers have seen these situations before and most are genuinely trying to help you access education funding. Good luck with your applications! The process is frustrating but it's worth fighting for the aid you deserve.
0 coins
Beth Ford
•This is really helpful advice! I never thought about keeping a detailed timeline but that makes so much sense. I should probably write down everything I can remember about my situation before I start talking to financial aid offices. The emotional aspect is something I'm definitely worried about. It's hard enough explaining to friends why I don't have contact with my parents, let alone having to do it for college applications. But you're right that it's worth it to get the aid I need. Thanks for the encouragement - it helps to know other people have gotten through this process successfully!
0 coins
Daniel Rivera
As someone who works in financial aid, I want to emphasize that dependency overrides are definitely possible in your situation, but the key is starting early and being thorough with your documentation. One additional tip that hasn't been mentioned yet - if you have any documentation showing your grandparents have been claiming you as a dependent on their taxes, that can be really helpful evidence. Also, if you've been receiving any benefits through your grandparents (like being on their health insurance), gather that paperwork too. Don't let the process intimidate you - financial aid offices deal with complex family situations regularly. When you call or email, be clear and concise about your situation: "I've lived with my grandparents since birth, have no contact with biological parents, and need information about requesting a dependency override." This helps them understand immediately what type of assistance you need. Also consider reaching out to your high school guidance counselor - they can often provide one of those professional letters you'll need, and they might have experience helping other students through this process.
0 coins
McKenzie Shade
•This is exactly the kind of detailed advice I was hoping for! I didn't think about tax documentation - my grandparents have definitely been claiming me as a dependent, so I'll ask them for copies of those tax returns. And yes, I'm on their health insurance too, so I'll gather that paperwork as well. You're right about being clear and concise when I contact the financial aid offices. I tend to over-explain things when I'm nervous, but having a simple script like that will help me stay focused. My guidance counselor has been really supportive throughout high school, so I'm sure she'd be willing to write a letter for me. Thank you for the professional perspective - it's reassuring to hear from someone who actually works in financial aid that these situations can be resolved. I feel much more confident about tackling this process now!
0 coins
Keith Davidson
I'm in a very similar situation - I've been living with my aunt and uncle since I was 4, and my biological parents aren't in the picture at all. When I started my FAFSA last month, I was so confused about the same exact question. What really helped me was calling the colleges I'm applying to directly and asking to speak with someone about "unusual family circumstances" or "dependency override procedures." Most schools have specific staff who handle these cases, and they were way more helpful than trying to figure it out on my own. One thing I learned is that you should definitely NOT try to submit the FAFSA with your grandparents' information in the parent section - that can actually cause bigger problems later. It's better to start the dependency override process first, then complete the FAFSA once you know how each school wants you to handle it. Also, start gathering documentation now - things like school records showing your grandparents as emergency contacts, any medical records with them listed as guardians, utility bills showing you live at their address, etc. The more official documentation you have, the stronger your case will be. Good luck! The process is stressful but definitely doable, especially since you have such a clear-cut case of being raised by someone other than your biological parents.
0 coins
Sean Flanagan
•Thank you so much for sharing your experience! It's really comforting to know I'm not the only one dealing with this situation. I was actually tempted to put my grandparents' info in the parent section since they're the ones who've actually been my parents, but I'm glad you warned me against that - I had no idea it could cause bigger problems down the line. Your advice about asking specifically for someone who handles "unusual family circumstances" is really smart. I've been nervous about making those calls, but having the right terminology will help me get connected to the right person instead of just getting transferred around. I'll definitely start gathering all that documentation you mentioned. My grandparents have been listed as my emergency contacts and guardians on everything for years, so hopefully I can get copies of all those records. Thanks for giving me such a clear roadmap for this process - it makes it feel much less overwhelming!
0 coins
Ava Johnson
One thing I haven't seen mentioned yet is that you should also check if your state has any specific programs for students in guardianship situations. Some states have additional financial aid or support services for students who were raised by relatives or in kinship care arrangements. Also, when you're gathering documentation, include anything that shows the timeline of when you started living with your grandparents - even things like old school enrollment records or pediatric medical records can help establish that this has been your living situation from early childhood, not just recently. I'd recommend creating a simple one-page summary of your situation that you can email to financial aid offices when you first contact them. Something like: "I am a dependent student who has lived with my grandparents since birth due to parental abandonment. I have had zero contact with my biological parents and receive no financial support from them. I am seeking information about your dependency override process." This gives them the key facts upfront and shows you understand what type of assistance you need. The process can feel invasive having to document personal family issues, but remember that these policies exist specifically to help students like you who don't fit the typical family structure. You deserve access to financial aid just as much as anyone else!
0 coins
Christopher Morgan
•This is such great advice! I hadn't thought about checking for state-specific programs - I'll definitely look into what's available in my state for students in kinship care situations. The idea of creating a one-page summary is brilliant. I've been dreading having to explain my whole story over and over to different people, but having a clear, concise summary ready will make those conversations so much easier. Your suggested wording is perfect - it covers all the key points without getting into unnecessary details. You're absolutely right about the timeline documentation. My grandparents probably still have some of my old medical records and school enrollment forms from when I was little. It might take some digging, but having that early documentation could really strengthen my case. Thank you for the reminder that I deserve access to financial aid just as much as anyone else. Sometimes this whole process makes me feel like I'm asking for special treatment, but you're right that these policies exist specifically for situations like mine. I really appreciate the encouragement - it helps keep me motivated to push through all the paperwork and phone calls!
0 coins
Carmen Sanchez
I'm a financial aid counselor and wanted to add a few practical tips that might help streamline your process: First, when you contact schools, ask if they accept a "universal" dependency override application that you can submit to multiple institutions, or if each requires their own specific forms. Some schools will accept standardized documentation packages, which can save you time. Second, consider reaching out to your local Department of Social Services or Family Services office. Even though you weren't formally in the foster care system, they sometimes have social workers who can provide professional letters documenting kinship care arrangements like yours. Third, if any of your schools use the CSS Profile in addition to FAFSA, know that they handle these situations slightly differently. The CSS Profile has a section for "special circumstances" where you can explain your situation upfront. Finally, keep copies of EVERYTHING you submit and maintain a spreadsheet tracking which schools you've contacted, what they've requested, and deadlines. This level of organization will be crucial when you're managing multiple override requests simultaneously. Your situation is more common than you might think, and schools have processes in place specifically because students like you deserve equal access to financial aid. Don't get discouraged if the first person you talk to seems unsure - ask to speak with a supervisor or the dependency override specialist.
0 coins