FAFSA for triplets attending different colleges - one application or separate ones?
I'm completely overwhelmed with the FAFSA process this year. My triplets are all heading to different colleges in the fall and I'm confused about how to handle their applications. Do I need to complete three separate FAFSA applications? Should I create three different FSA IDs and email addresses, one for each child? Or can I somehow use one application for all three? The financial aid offices gave me conflicting information, and the FAFSA website isn't clear for multiple kids at different schools. Any parents who've been through this multiple-child situation before?
24 comments


Mateo Warren
You only need to fill out ONE FAFSA application, but you'll list all three colleges your triplets are attending. Each student needs their own FSA ID (with unique email addresses), but you as the parent only need one FSA ID. When you complete the FAFSA, you'll add all three children and select all their schools. The SAI (Student Aid Index) calculation will be the same for all three, but each school will receive the information separately. Just make sure to input the correct colleges for each child.
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Lydia Bailey
•Thank you so much! This makes more sense. So to be clear - I create one FSA ID for myself as the parent, and then help each of my triplets create their own separate FSA IDs with their own email addresses? Then I fill out just one FAFSA application where I can list all three of them and their respective colleges?
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Sofia Price
Im going thru same thing with twins!! Called FSA 5 times and got hung up on everytime. So frustratin!!! Eventually learned each kid needs own FSA ID (w/ different emails) but u do ONE application and list all schools. You'll add all 3 as students in the application. Its confusin because FAFSA makes you think u need separate applications but u dont.
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Alice Coleman
•Omg the phone system at FSA is THE WORST! I spent like 3 hours on hold last week trying to get through about my daughter's application getting stuck in the system. Eventually just gave up 🤬
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Owen Jenkins
This is one of the most common misunderstandings with FAFSA for multiple children. Here's exactly what you need to do: 1. Each student (each triplet) needs their own unique FSA ID linked to their own unique email address 2. You as the parent need one FSA ID linked to your email 3. File ONE FAFSA application, but you'll add all three children as students 4. For each child, you'll select their specific colleges 5. The system will calculate one SAI based on your household information 6. Each school will receive the relevant student's information The 2025-2026 FAFSA has simplified this process compared to previous years, but it still causes confusion. Make sure each child uses their correct FSA ID when they sign their portion of the FAFSA.
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Lydia Bailey
•This step-by-step breakdown is incredibly helpful! One follow-up question: when listing the schools for each child, is there a limit to how many schools I can list per child? And will the financial information I provide (tax info, assets, etc.) be visible to all three children when they log in?
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Lilah Brooks
My sister had twins go to college last year and she said it was a total nightmare trying to figure this out! She ended up doing separate applications and it caused all kinds of problems with the financial aid packages. Definitely listen to the people saying do ONE application with all three kids listed!
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Jackson Carter
•Your sister definitely made it harder on herself! The system is designed for multiple students from the same household to be on one application. That's how they ensure the family contribution is distributed appropriately across multiple students. Doing separate applications can cause inconsistencies in how the SAI is calculated and potentially reduce total aid eligibility.
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Kolton Murphy
Try using Claimyr to get through to FSA agents quickly if you run into any issues during the application process. I was stuck on hold for hours trying to understand how to handle my kids' applications until someone recommended it. You can find it at claimyr.com and they have a demo video at https://youtu.be/TbC8dZQWYNQ. I was connected to an FSA agent in minutes, and they walked me through the entire process for my multiple-student situation.
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Lydia Bailey
•Thanks for the tip! I've been trying to get through to someone at the Federal Student Aid office for days. I'll check out that site if I hit any roadblocks during the application process. The hold times are ridiculous!
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Alice Coleman
i had twins last year and what a headache!! make sure ur triplets each make their own account dont try to use same email for all of them thats what I did and had to start ALL over again lol
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Sofia Price
•omg i did the SAME THING with my twins!! wasted like 3 days bcause of that mistake ðŸ˜
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Mateo Warren
One additional point that might help: When you complete the 2025-2026 FAFSA with multiple students, pay close attention to the contributor section. As the parent, you'll only need to enter your financial information once, and it will apply to all three students. There's a section where you specifically assign which schools go with which student. The system is actually quite well designed for multiple student households - it's just not immediately obvious how it works until you're in the application.
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Lydia Bailey
•That's reassuring to hear! I was dreading having to enter all my tax information three separate times. I have all their 2023 tax returns ready, along with our household 2023 returns. Is there anything else I should have prepared before I start the application?
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Owen Jenkins
Based on your situation with triplets attending different schools, here's a quick checklist of what you'll need before starting: 1. Your 2023 tax return information (they're using prior-prior year for 2025-2026 FAFSA) 2. Each student's Social Security Number 3. Your Social Security Number 4. FSA ID for yourself (create at studentaid.gov) 5. Separate FSA ID for each triplet (each needs their own email) 6. List of the colleges each student plans to attend (have the school codes ready) 7. Information about your assets (savings, investments excluding retirement accounts and primary home equity) The new FAFSA pulls most tax information directly from the IRS using the Direct Data Exchange, but having your documents ready helps verify everything is correct.
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Jackson Carter
•Also make sure you understand how the multiple student household calculation works. For the 2025-2026 FAFSA, they'll calculate your SAI (Student Aid Index) and then essentially divide family contribution considerations when multiple students are enrolled. This is why it's crucial to have all three on one application.
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Sofia Price
Another thing to watch out for!!! When u do the parent contribution part make sure u check that its applied to ALL three students! My friend had twins and she accidentally only connected her parent contribution to one kid and the other one got way less financial aid bcuz of it!!
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Mateo Warren
•This is a great point. In the contributor section, you need to verify that your parent information is properly linked to all three students. The system should guide you through this, but it's something to watch for carefully.
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Lydia Bailey
I can't thank everyone enough for all this advice! I'm going to sit down this weekend and create all the necessary FSA IDs first (one for me, and one for each triplet with their own emails), then tackle the single FAFSA application. If I hit any roadblocks, I'll try that Claimyr service to get through to someone at FSA. Wish me luck - I'm feeling much more confident now!
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Owen Jenkins
•You've got this! And remember, if you need to save and come back later, the FAFSA application allows that. Don't feel pressured to complete it all in one sitting. It's better to take your time and ensure accuracy. Good luck with your triplets' college journeys!
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Noland Curtis
As someone who just went through this process with twins last year, I want to emphasize one more thing that saved me a lot of headaches: double-check that each of your triplets' FSA IDs are fully verified BEFORE you start the main FAFSA application. The verification process can take a few days, and if you're in the middle of the application and one of their IDs isn't verified, you'll get stuck and potentially lose your progress. Also, have a backup plan for the school codes - sometimes the search function on the FAFSA site gets glitchy, so having the actual federal school codes written down ahead of time is super helpful. You're doing great by getting organized first!
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Freya Collins
•This is such valuable advice! I didn't realize the FSA ID verification could take several days. I'll definitely get all four FSA IDs (mine and each triplet's) created and verified this week before I even attempt the main application. And having the school codes written down is a brilliant tip - I can see how that would save time and prevent frustration if the search function isn't working properly. Thank you for sharing your real experience with twins, it really helps to hear from someone who's actually been through this process recently!
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Paige Cantoni
I went through this exact situation with my quadruplets two years ago! The process is definitely overwhelming at first, but once you understand the system, it's actually pretty straightforward. Here's what worked for me: Create all FSA IDs first and wait for them to be fully verified (this took about 3-4 days for each of my kids). Then tackle ONE FAFSA application where you'll add all three as students. The key thing that confused me initially was that you CAN select different schools for each child within the same application - you're not limited to choosing the same schools for all of them. Also, keep a spreadsheet with each child's FSA ID login info because you'll need them to sign their portions of the application, and trust me, they WILL forget their passwords! The SAI calculation actually works in your favor with multiple kids in college - the system recognizes the financial burden of having multiple students and adjusts accordingly. You've got this!
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StarGazer101
•Wow, quadruplets in college - that must have been incredibly stressful! Thank you for the detailed breakdown and especially the tip about keeping a spreadsheet with all their FSA ID login info. I can already imagine my triplets forgetting their passwords the day we need to complete everything. The part about the SAI calculation working in our favor with multiple kids is really reassuring - I was worried having three in college at once would actually hurt our aid eligibility. Your experience gives me so much confidence that this is totally manageable once I get organized. I'm definitely following your advice about getting all FSA IDs verified first before touching the main application!
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