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Yuki Ito

FAFSA dependent verification nightmare - teen with no parent contact

My nephew (17) moved in with me last year after his parents basically abandoned him. I'm trying to help him apply for FAFSA for fall 2025, but we're hitting a wall with dependent verification. His parents won't provide their tax info or sign anything. He technically doesn't meet the independent criteria (not 24, married, veteran, etc). The school financial aid office suggested a dependency override but said it's really hard to get. Has anyone successfully navigated this situation? What documentation did you need to provide? He's got a partial scholarship but still needs about $14,000/year and I can't afford to cover that for him.

Carmen Lopez

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I went through this exact process with my younger sister last year. You need to document the parental abandonment situation. Collect any evidence you have: court records, letters from school counselors/social workers who know the situation, police reports if there were any, etc. You'll need to explain the circumstances in a detailed letter. Different schools handle this differently, but we had to submit: - Her personal statement explaining the situation - My statement as her guardian - Letter from her therapist documenting the family situation - Letter from her high school counselor - Court documents showing I had temporary guardianship It wasn't actually as impossible as they made it sound. Just be thorough and keep following up.

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Yuki Ito

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Thank you SO much for this detailed response. We don't have court documents since I never formalized anything legally (didn't think I needed to). Would statements from his teachers be enough? He's been seeing the school counselor regularly too. Did your sister have to try contacting her parents first, or did the school waive that requirement?

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Andre Dupont

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omg this system is so messed up!!! my cousin had almost the same situation and the school DENIED his override. said he didnt have enough "proof" of abandonment. like what do they want??? a signed letter from the deadbeat parents saying "yes we abandoned our kid"??? so frustrating!!!! 😡

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Yuki Ito

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This is exactly what I'm afraid of. Did your cousin end up finding another solution? I'm worried we'll get denied and then be stuck with no options.

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QuantumQuasar

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I work in financial aid at a community college, and dependency overrides are definitely challenging but not impossible. Key points to understand: 1. You need to document complete abandonment or danger to the student - not just parents refusing to pay or provide info 2. Each school can set their own specific requirements for what constitutes sufficient documentation 3. The Department of Education allows professional judgment in these cases 4. If approved, the override is only valid for one year and one school - you'll need to reapply each year For documentation, aim for third-party verification from professionals (teachers, counselors, clergy, social workers) who can attest to the parental situation. Personal statements are important but not sufficient alone. The more official the documentation, the better your chances. Also, make sure your nephew completes the FAFSA anyway, even without parent info. He'll get rejected for aid initially, but this starts the override process at many schools.

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wait does this mean if he gets approved at one school but applies to multiple schools he has to do the whole process over for each place?? that seems so unfair

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QuantumQuasar

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Yes, each school makes its own determination. The Department of Education doesn't grant a global override. This is why it's important to start early and be organized with your documentation. Keep digital copies of everything so you can quickly submit to multiple schools.

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Jamal Wilson

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Sorry you're dealing with this - the FAFSA system really isn't designed for real-world family situations. One thing nobody mentioned is that if you can't get the dependency override, you could still qualify for unsubsidized federal loans without parent information. The maximum is $5,500 for freshmen, $6,500 for sophomores, and $7,500 for juniors and seniors. Not ideal since it doesn't include grants or subsidized loans, but it's something when all else fails.

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Yuki Ito

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I didn't know about this option! $5,500 would at least help with part of the cost. How do we apply for just the unsubsidized loans? Is that something we specify on the FAFSA or is it a separate application?

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Jamal Wilson

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You still complete the FAFSA, but there's an option to indicate you're unable to provide parent information. The form will warn you that this means you'll only be considered for unsubsidized loans, but you can proceed. After submitting, contact the financial aid office to let them know your situation and that you're seeking the unsubsidized loans. Some schools require additional forms to document why parent info isn't available.

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Mei Lin

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uhh have you tried just calling FSA directly and explaining the situation? Sometimes they can help with specific situations like this or give you exact instructions on what to do.

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Good thought but GOOD LUCK getting through to anyone at FSA these days! I spent 3 HOURS on hold last month trying to get help with a similar issue. Kept getting disconnected or transferred to the wrong department. Eventually I found this service called Claimyr (claimyr.com) that holds your place in line and calls you back when an agent is available. Saved me so much frustration! They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ OP definitely call FSA directly, but use something to avoid the hold time nightmare. The agents can actually help with dependency override questions and document requirements.

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Yuki Ito

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Thanks for the suggestion! I'll try calling FSA directly this week. That service sounds helpful - I definitely don't have hours to waste on hold with everything else going on. Appreciate the tip!

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Carmen Lopez

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Another approach worth considering is seeing if your nephew qualifies under the McKinney-Vento Homeless Assistance Act. If he's considered homeless or self-supporting and at risk of homelessness under their definition, the school's McKinney-Vento liaison can provide documentation that would support independent status on the FAFSA. This is often easier than a dependency override.

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Yuki Ito

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I hadn't thought of this angle! He's not technically homeless since he lives with me, but I'm not sure if there's a broader definition they use. I'll definitely ask the financial aid office about this option. Thank you!

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Andre Dupont

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idk if this helps but my friend's sister did a dependency override and she said getting letters from MULTIPLE professional people was key. like not just one counselor but also teachers + doctor + coach + anyone professional who knew about the situation. the more the better!!!

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what about just waiting till hes 24?? thats what my brother did cuz it was so hard to deal with all this garbage

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Yuki Ito

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He really wants to start college next fall after graduation, and waiting 6+ years isn't really a viable option for him. I understand why some people do that though - this process is incredibly frustrating.

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QuantumQuasar

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Just to clarify an important point - there are other ways to establish independence besides turning 24. If the student gets married, has a child they support, joins the military, or becomes an emancipated minor, they can qualify as independent. Not suggesting these as solutions, just making sure accurate information is available.

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I faced a similar issue with my own FAFSA after my parents kicked me out. One thing that really helped was having my high school principal write a detailed letter explaining that my parents had not financially supported me for over a year. I also included utility bills showing I was covering my own living expenses (with help from my aunt). The financial aid counselor told me that having OFFICIAL letterhead on all the documentation made a big difference. My dependency override was approved after initially being rejected because I resubmitted everything on official letterhead.

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Yuki Ito

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That's incredibly helpful advice! I'll make sure we get everything on official letterhead. Since he's living with me, should I provide documentation showing I'm supporting him financially?

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Yes! Definitely include proof that you're supporting him - utility bills with your address, school records showing your address, medical insurance documentation if he's on your plan, anything official showing the living arrangement. In my case, I also had to submit a personal statement explaining exactly when my parents stopped supporting me and the circumstances around it. Be SUPER specific with dates and events in that statement.

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Mei Lin

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my niece had almost the same situation!!!! the thing that worked for her was getting the guidance counselor AND principal to sign statements. she also got a letter from our church pastor! they approved her override and she got a full Pell Grant!

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