FAFSA fraud victim - Can I report current income instead of 2022 tax info after special circumstance?
I'm in a total panic about my FAFSA situation right now! Someone filed a fraudulent FAFSA application using my personal information this year. I only discovered this when I tried to submit my own application - talk about a nightmare! When I called FSA, they basically gave me one option: correct the fraudulent form and resubmit with my 2022 tax information. I did exactly that, but here's my problem... I was employed full-time during 2022, but I've been a stay-at-home mom since around June 2023 (about 14 months now). Our household income has dropped significantly without my salary. While reviewing my corrected application, I noticed a section mentioning that applicants who experienced life-changing events (like job loss) should contact their school's financial aid office. I called my school's financial aid office to explain my unemployment situation, and the advisor said something about possibly being able to edit the form to only show my husband's current income since this qualifies as a "special circumstance." But honestly, he sounded really uncertain, which doesn't give me much confidence. Can anyone confirm if I actually CAN update my FAFSA to reflect our current financial situation rather than using outdated 2022 tax info? And has anyone dealt with the identity theft aspect of FAFSA fraud? I'm so stressed about both issues!
18 comments


Carmen Ortiz
You're dealing with two separate issues here that need different approaches: 1. For the identity theft/fraud situation: Make sure you've documented everything with FSA. Request an "Identity Theft Victim Statement" be added to your FSA account. This flags your account and provides additional security measures. 2. For your income change: Yes, you absolutely CAN request a Professional Judgment (PJ) review based on your job loss. This is specifically what the "special circumstances" provision is for! The financial aid rep you spoke with was correct, but maybe inexperienced. Here's what you need to do: - Gather documentation of your last day of employment (termination letter, final pay stub) - Write a formal letter explaining your situation and when your income changed - Provide current household income documentation from your husband - Submit everything to your school's financial aid office requesting a "Professional Judgment Review Due to Income Reduction" The financial aid office has the authority to adjust your FAFSA to better reflect your current financial situation. This is a standard procedure - don't let that uncertain advisor make you doubt this!
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Yuki Tanaka
•Thank you SO much! I didn't know about the Identity Theft Victim Statement - definitely going to request that right away. And it's really reassuring to hear the PJ review is a standard thing. The advisor made it sound like he was suggesting something unusual! Do you know how long these Professional Judgment reviews typically take? I'm worried about missing deadlines for aid.
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MidnightRider
I'm a financial aid counselor, and I can confirm that Professional Judgment for income reduction is absolutely allowed! We process these regularly. However, each school has their own specific form and documentation requirements for PJ reviews. Some want 3 months of recent pay stubs, some want a signed statement, others may request unemployment documentation. The most important thing: don't try to edit the FAFSA yourself to remove your 2022 income. That would be considered incorrect reporting. Always work through your school's financial aid office - they make the adjustments on their end through a process called "professional judgment" which is completely legitimate and sanctioned by Federal Student Aid.
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Yuki Tanaka
•That makes sense! I'll definitely work through the financial aid office rather than trying to change anything myself. I'll call back tomorrow and specifically ask about their Professional Judgment process and what documentation they need from me. Thanks for confirming this is a normal request!
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Andre Laurent
my cosin had the SAME THINGS HAPPEN TO HER last semester!!! she found out someone use her ssn for fasfa!! she had to file police report and everything it was a whole mess but she eventually got it fixed. the fradu department at fasfa made her verify her identity with drivers license and stuff. then she had to do the professional judgement thing to because she lost her job. fasfa is such a pain sometimes!!!!!
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Yuki Tanaka
•Oh wow, I hadn't even thought about filing a police report - that's a good idea. Did your cousin have to wait a long time to get everything sorted out? I'm worried this might delay my financial aid.
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Zoe Papadopoulos
Listen, the income adjustment through professional judgment is absolutely your right, but fair warning - these requests are not automatically approved. It's entirely at the discretion of your school's financial aid office. I'd suggest being SUPER thorough with documentation. Don't just provide the minimum. Include: - Letter explaining exact circumstances of employment change - Last day of employment verification - Unemployment benefits documentation (if you received any) - Monthly household budget showing financial hardship - Statement from previous employer (if possible) Also, the identity theft issue is SERIOUS. Beyond what FSA tells you to do, I strongly recommend: 1. Place a fraud alert with credit bureaus 2. File an FTC identity theft report at IdentityTheft.gov 3. Consider freezing your credit Someone had enough of your personal info to file a FAFSA - that's concerning beyond just your student aid.
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Yuki Tanaka
•You're right, I definitely need to take the identity theft aspect more seriously. I've been so focused on fixing the FAFSA that I hadn't considered the broader implications. I'll check out IdentityTheft.gov today and look into credit freezes. Thank you for the detailed list for the professional judgment request - I'll gather everything you suggested to make the strongest case possible.
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Jamal Washington
Have u tried calling the FSA hotline directly? Sometimes they can explain things better than the school ppl. I had to call them like 20 times last year for my verification issues lol
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Mei Wong
•Calling FSA directly is good advice but OMG the wait times are RIDICULOUS! I spent 3 hours on hold last month and then got disconnected 😡 I literally cried from frustration
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MidnightRider
One more thing about your situation - since the fraud was committed using your information, I strongly recommend you also contact: 1. FSA's Ombudsman Group specifically (not just the general helpline) 2. The Office of Inspector General (OIG) to report the education-related identity theft This specific type of fraud might require additional steps beyond what's been mentioned. You don't want this causing issues with your financial aid eligibility in future years.
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Yuki Tanaka
•I didn't know about either of these options! Do you have contact information for the Ombudsman Group or OIG? I want to make sure I'm reporting this to the right places.
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Mei Wong
im sorry ur dealing with this!! the FAFSA system is BROKEN and identity verification is a joke. my frend couldnt even access their own acct but somehow someone else accessed yours?? make it make sense!! also if ur husband makes a lot of money u might not get much aid anyway. but def do the PJ thing. sum schools r better than others with it.
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Yuki Tanaka
•It's so frustrating! And you're right - how was someone able to access my information but the security is so strict when legitimate applicants try to use the system? 🙄 My husband's income isn't super high, but it's definitely more than what we need for our SAI calculation to qualify for good aid. Really hoping the PJ review helps.
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Carmen Ortiz
Just to clarify something important: When you submit documents for the Professional Judgment review, make sure you're clear that this is about BOTH: 1. Correcting the fraudulent application 2. Adjusting for your current income situation Sometimes schools handle these as separate processes, and you don't want your income adjustment request to get lost while they're dealing with the fraud correction. Consider requesting a meeting with a senior financial aid counselor rather than just working with whoever answers the phone.
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Yuki Tanaka
•That's excellent advice - I definitely need to be clear that there are two separate issues here. I'll specifically ask for a senior counselor or someone who has experience with both fraud cases and professional judgment reviews. Thank you!
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Andre Laurent
wait did u try to login to studentaid.gov to see what information the fraudster put in ur fafsa?? u should check that to see what schools they sent it to and everything!!!
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Yuki Tanaka
•Yes! I was able to access the fraudulent application and that's how I knew it wasn't just a mistake - they listed schools I've never applied to and income information that wasn't mine. So bizarre and scary. I've since updated all of that with my correct information, but I'm still working on the special circumstance adjustment.
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