FAFSA family size confusion - do non-dependent siblings living at home count?
I'm filling out the FAFSA for 2025-2026 and I'm stuck on the parent household size question. My two older sisters (ages 24 and 26) still live at home with us but they both have full-time jobs, file their own taxes, and aren't claimed as dependents on my parents' 2023 tax return. Do I include them in my parents' household size or not? The FAFSA instructions are so vague about this! My mom thinks they should count since they live under the same roof, but my guidance counselor said only dependents count. This could really affect my SAI calculation so I want to get it right. Has anyone dealt with this situation before?
18 comments


Oliver Zimmermann
This is a common point of confusion! For FAFSA purposes, your parents' household size includes: 1. Your parents (including stepparents if remarried) 2. You (the student) 3. Your parents' other children IF they provide more than 50% support, even if they don't live with them 4. Other people who live with your parents IF your parents provide more than 50% support AND will continue to through June 30, 2026 The key here isn't whether they live at home, but whether your parents provide more than half their support. Since your sisters work full-time and file their own taxes, they likely support themselves financially. Unless your parents are paying more than 50% of their living expenses (housing, food, medical, etc.), they shouldn't be counted in the household size.
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Amina Toure
•Okay that makes sense! So even though they live with us rent-free (which is a form of support), I should also consider what percentage that represents of their total support. My older sister pays for her own car, insurance, phone, food, and medical expenses. My middle sister has my parents pay her phone bill and sometimes borrows money, but probably not 50% worth. This is clearer now, thanks!
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CosmicCommander
i included my brother who lives at home in mine even tho he works cuz my parents still pay for most of his stuff and the FAFSA didnt get flagged or anything
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Amina Toure
•Thanks for sharing your experience! My situation might be different since my sisters are pretty financially independent even though they live at home. Did your brother pay for his own expenses besides housing?
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Natasha Volkova
THIS IS LITERALLY WHY FAFSA IS SO FRUSTRATING!!! 😡 The questions are never clear and they NEVER explain what they actually mean by "support." Does free housing count as 50%? What about if parents pay for health insurance but nothing else? What about family cell phone plans?? UGH. I had the same issue with my brother last year and ended up not including him. My SAI went up by like 2500 points and I lost some grant money. The whole system is designed to confuse us.
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Javier Torres
•You're absolutely right about the frustrating lack of clarity! For anyone dealing with this, the general rule is to consider ALL financial support - housing, food, utilities, phone, insurance, medical expenses, clothing, etc. Then estimate what percentage your parents provide vs what the person provides for themselves. If your parents provide more than half the total value across all categories, count them in the household.
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Emma Davis
If your sisters aren't dependent on your parents' tax return AND they provide more than 50% of their own support, they should NOT be included in the household size. This actually benefits you because a smaller household size means you might qualify for more aid. Make sure you're answering these questions accurately because FAFSA can select you for verification where you'd need to provide documentation to support your answers.
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Amina Toure
•That's a good point about verification! I definitely don't want to get flagged for that. Since they're both pretty financially independent despite living at home, I'll leave them out of the household count. I'm just worried my parents' contribution to housing skews things, but I guess free rent alone wouldn't constitute 50% of their total expenses.
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Malik Johnson
I got stuck on this same question yesterday while filling out my FAFSA! After hours of trying to reach Federal Student Aid by phone and getting nowhere, I tried using Claimyr (claimyr.com) and got through to a real person in about 10 minutes who explained exactly how to handle siblings living at home. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ. The agent told me that housing alone usually doesn't constitute 50% support unless the person has very few other expenses.
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Natasha Volkova
•wait how did you get through to someone?? i've been on hold for like HOURS multiple times and either get disconnected or have to hang up because i need to go to work 😩
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Isabella Ferreira
I faced this exact situation last year with my FAFSA. My 25yo brother lives with us but has a full-time job. The financial aid officer at my school told me to calculate roughly what percentage of his total support came from my parents. We estimated rent value + utilities he uses + food he eats from family meals divided by his total living expenses. It came out to about 35% so we did NOT include him in household size. Your sisters sound independent enough that they probably shouldn't be counted.
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Amina Toure
•That's super helpful! I'll try to calculate roughly what percentage of support my parents provide. Free housing is definitely significant but when you factor in all their other expenses (cars, insurance, food they buy separately, clothes, entertainment, etc.), it's probably not reaching that 50% threshold. I think I'll leave them off the household count to be safe.
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Emma Davis
•This is the correct approach. Remember that for the 2025-2026 FAFSA, you're looking at the support they provide NOW and will continue to provide through June 30, 2026 - not just what was on the 2023 tax returns. If your sisters' situations change (like if one loses a job and becomes more dependent on your parents), you could always submit a correction later.
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CosmicCommander
my friend got flagged for verification cuz she included her older sister who lived at home but worked full time. they made her remove the sister from the household count and her SAI went up by like 1200 points!! it totally messed up her aid package 😠so be careful
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Amina Toure
•Oh no, that's exactly what I'm worried about! I definitely don't want to get flagged for verification or have my SAI calculation messed up. Based on everyone's advice here, I think I'll exclude my sisters from the household count since they really do support themselves for the most part, even though they live at home.
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Oliver Zimmermann
One more thing to consider: if either of your sisters is enrolled at least half-time in college during the 2025-2026 award year, they could potentially be counted in both the household size AND number in college questions - but only if they meet that 50% support test from your parents. Being enrolled in college doesn't automatically mean they should be counted.
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Amina Toure
•That's good to know! My older sister actually might start a master's program next fall, but she'll probably be using loans and her own savings to pay for it. Since my parents won't be supporting her education costs and she supports herself otherwise, I'll leave her off both counts. This has been so helpful - I feel much more confident about how to answer this question now!
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Giovanni Rossi
Just wanted to add my perspective as someone who went through FAFSA verification last year! When they asked for documentation, I had to provide proof of who lived in our household AND what support my parents provided to each person. For my 23-year-old sister who lived at home but worked, I had to show her pay stubs, bank statements, and a breakdown of household expenses. It was honestly a nightmare because we had to estimate the value of "free" housing and meals. My advice: if there's ANY doubt about whether your sisters meet that 50% support threshold, err on the side of NOT including them. It's much easier to explain a smaller household size than to justify including someone who's financially independent. The verification process can delay your aid disbursement by weeks or even months, which you definitely don't want when tuition is due!
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