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Mateo Martinez

FAFSA for separated parents - which parent should submit 2023 tax info?

My daughter is starting her sophomore year in college and I'm completely lost with the FAFSA requirements. Her mother and I have been separated for 3 years (not legally divorced) and living in different households. My daughter just informed me that she needs me to submit my 2023 tax information for her FAFSA renewal. I've never had to do this before - her mom handled all the paperwork last year. Now I'm confused about which parent should be filling this out since we're separated but not divorced. Does it matter which one of us submits the info? Will it affect her aid if we switch which parent reports? I don't want to mess up her financial aid package.

QuantumQueen

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For the FAFSA, your daughter should include information from the parent she lived with more during the past 12 months. If she split time equally, then use the parent who provided more financial support. Since her mom did it last year, there might be a reason for that (like your daughter living with her more). Switching which parent reports CAN significantly change the SAI calculation and potentially affect her aid package.

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Thanks for explaining. She did live with her mother more last year, but she's been staying with me about half the time now. Will the financial aid office question why we switched? I make considerably less than her mother so I'm thinking it might actually help her get more aid if I file.

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Aisha Rahman

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we had this EXACT same situation!!! my ex handled the first year fafsa and then i did the 2nd year. HUGE MESS. turns out ur supposed to be consistent with which parent fills it out unless theres a major change in living situation. our daughter almost lost her aid package bc of it!!

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Oh no, that's exactly what I'm worried about! Did they resolve it? Did they make you go back to having the same parent do it as the first year?

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Aisha Rahman

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ya we had to submit a special circumstances form explaining everything and had to get the original parent to resubmit. took FOREVER to fix. call the school financial aid office ASAP before u submit anything!!

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Ethan Wilson

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The FAFSA has specific rules about separated parents. Which parent provided more financial support in the last 12 months? That's who should complete the FAFSA. If it's 50/50, then it's who she lived with more. If that's also equal, then it's the parent with higher income (though that obviously results in less aid). Importantly - if your daughter already listed her mom on last year's FAFSA, you should generally stick with the same parent for consistency unless circumstances have significantly changed.

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Yuki Sato

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This is correct. The Department of Education typically likes to see the same parent reporting year to year unless there's been a significant change in the living arrangement. Switching without good reason can trigger verification, which can delay processing by weeks or months. I recommend contacting the financial aid office at your daughter's school to discuss the situation before making any changes.

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Carmen Flores

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Just went thru this nightmare situation with my son. Spent WEEKS trying to get someone from FSA to actually help us understand the rules for separated parents. Their phone lines are always busy and I kept getting disconnected. Finally found a service called Claimyr (claimyr.com) that got me connected to an actual human at FSA within 30 minutes. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ The agent confirmed that switching parents can trigger a verification review, but it's perfectly legal if your living situation has changed. In our case, we had to submit documentation proving the change in living arrangements.

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Thanks for the tip! I've been trying to call FSA for two days with no luck. If I can't get through by tomorrow I'll definitely check out that service. Did you end up switching which parent filed or sticking with the original one?

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Carmen Flores

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We ended up sticking with the original parent (me) even though my son had been living more with his dad. The FSA agent explained that a change would trigger verification and possibly delay his aid. But our situation might be different from yours.

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Andre Dubois

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my cousins parents are divorced and they always put the parent who makes less $ on the fafsa...they got way more financial aid that way lol. i don't think it matters which parent as long as they lived with them at some point

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QuantumQueen

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This is actually incorrect and could potentially lead to serious problems. The FAFSA specifically requires the parent with whom the student lived more during the past 12 months, regardless of income. Deliberately choosing the lower-income parent when that's not who the student lived with more could be considered misrepresentation and might lead to having to repay aid or even facing penalties. Please don't follow this advice.

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CyberSamurai

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This whole separated parents thing is why I hate dealing with the FAFSA. The rules are ridiculous! They should just let students apply as independent once they're in college anyway. Why should parents income even matter?

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Ethan Wilson

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While I understand your frustration, the system is designed based on the principle that parents have the primary responsibility for paying for college if they can afford it. The independent status is reserved for students who truly have no parental support available. The rules for separated parents are actually quite logical - they're trying to capture the financial situation of the household where the student primarily lives.

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Thanks everyone for the advice. I called my daughter's financial aid office this morning, and they confirmed I should NOT change which parent reports unless there's been a major change in living situation. Since her mom did it last year and my daughter still technically lived with her more than me (even though it's close to 50/50 now), we'll stick with her mom filing again. They said changing would likely trigger verification and potentially delay her aid. I appreciate all the help!

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Yuki Sato

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You made the right call. I'd also recommend that your daughter submit her FAFSA renewal as early as possible this year. The priority deadline for many schools is in early 2026 for the next academic year, and submitting early gives you the best chance at maximum aid. Be sure your ex-wife has her 2023 tax information and FSA ID ready to go when the application opens.

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Will do! I'll talk to her mom about getting it submitted early. One more question - if our living situation does change substantially next year and my daughter lives with me most of the time, should we plan to switch then? Or once we've established a parent for FAFSA, should we stick with them for all four years?

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Yuki Sato

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If there's a substantial change where your daughter genuinely lives with you more than 50% of the time, you can switch. Just be prepared to document this change if asked. The financial aid office may request proof like updated custody agreements, bills showing your address as her primary residence, etc. And definitely contact the financial aid office before making the switch to understand what documentation might be required.

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Ava Martinez

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As a newcomer to this community, I just wanted to say thank you for this incredibly helpful thread! I'm in a similar situation with my son starting college next year and his father and I are separated. Reading through all these responses has really clarified the importance of being consistent with which parent files the FAFSA. I was initially thinking we could just pick whichever parent would result in more aid, but now I understand that's not how it works and could cause serious problems. The advice about calling the financial aid office first is gold - I'll definitely do that before we submit anything. It's reassuring to see a community where people share their real experiences, even the messy ones!

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Klaus Schmidt

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Welcome to the community! I'm glad this thread has been helpful for your situation. You're absolutely right about the importance of consistency - I learned that the hard way when I was researching this for my daughter. One thing I'd add is to make sure you and your son's father are on the same page about who will be handling the FAFSA before you even start the application process. It can get complicated if both parents think they're the one who should be filing! Also, don't hesitate to reach out here if you run into any issues - this community has been a lifesaver for navigating all the FAFSA confusion.

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Sofia Ramirez

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As someone new to this community, I'm really grateful for all the detailed advice shared here! My partner and I are going through a separation right now and our daughter will be applying for FAFSA for the first time next year. This thread has been eye-opening - I had no idea there were such specific rules about which parent should file, or that switching could cause verification delays. The recommendation to contact the financial aid office first seems crucial. I'm bookmarking this discussion to reference when we get to that stage. It's also reassuring to see that others have navigated similar situations successfully, even if it required some extra steps. Thanks to everyone who shared their experiences, especially the cautionary tales - those are often the most valuable lessons!

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Haley Bennett

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Welcome to the community, Sofia! Your timing is actually perfect since you're getting this information before you need to file rather than after running into problems. One thing I wish I had known earlier is to start documenting your daughter's living situation now - keep records of where she stays most nights, which address she uses for school/medical appointments, etc. This documentation can be really helpful if you ever need to verify which parent should be filing. Also, make sure both you and your partner understand the FAFSA rules so there's no confusion later about who should handle it. The separation process is stressful enough without adding FAFSA complications on top of it!

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Lia Quinn

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As a newcomer to this community, I just want to thank everyone for sharing such detailed and helpful information! I'm currently dealing with a similar situation - my ex-husband and I have been separated for about 18 months, and our son will be a college sophomore this fall. I was completely overwhelmed trying to figure out which one of us should handle the FAFSA renewal, but reading through all these responses has given me a much clearer understanding of the rules and potential pitfalls. The emphasis on consistency really resonates with me - I was initially tempted to switch to my information since I make less, but now I understand that could create more problems than it solves. The advice about documenting living situations and contacting the financial aid office first is invaluable. It's so reassuring to find a community where people share both their successes and mistakes - those real-world experiences are worth their weight in gold when navigating this complex process!

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