FAFSA household size confusion with twins - tax filing vs custody arrangement
I'm trying to get a head start on understanding FAFSA since my twins are just starting high school. My situation is complicated: I have full physical custody of my twins (they live with me 100% of the time), but my ex-husband pays child support and gets visitation. For tax purposes, I claim one child and he claims the other. When I started playing with the FAFSA4caster tool, I got confused about household size. Should I list both twins in MY household size even though I only claim one on taxes? Will this create a red flag since it doesn't match my tax return? Do I need to provide extra documentation to explain this? I'm trying to avoid headaches when it's actually time to apply in a few years.
25 comments


AstroAce
Yes, you should definitely count BOTH twins in your household size on the FAFSA. The FAFSA household size is based on who you financially support and who lives with you, not who you claim on taxes. Since both twins live with you full-time, they're both part of your household for FAFSA purposes, regardless of the tax arrangement with your ex. The Department of Education understands that tax filing status and actual living arrangements don't always match perfectly in divorce situations.
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Ethan Clark
•Thank you! That's such a relief. I was worried I'd get flagged for some kind of discrepancy. Do you know if I'll need any special documentation to prove they both live with me?
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Yuki Kobayashi
Wait but doesnt it have to match ur taxes exactly? My cousin got audited last year when fafsa info didnt match her tax return. Better double check with financial aid office first
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Carmen Vega
•That's a common misunderstanding. The FAFSA and taxes have different definitions of household size. For FAFSA, it's about who lives with you and who you financially support, even partially. For taxes, it's about who qualifies as a dependent under IRS rules. Your cousin likely had other discrepancies that triggered verification.
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Andre Rousseau
I went through this EXACT situation with my triplets (now sophomores in college). The FAFSA4caster doesn't give the full picture. When you actually fill out the real FAFSA, there's a section where you list each household member and their relationship to you. You'll list both twins, indicate they're your children, and note they'll be college students. The SAI formula counts them both. Here's what happened in my case: I got selected for verification the first year and had to submit our custody agreement showing I had physical custody despite the tax arrangement. It wasn't a huge deal, just an extra step. After that first year, we weren't selected again.
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Ethan Clark
•Wow, triplets! You're a superhero! Thanks for sharing your experience. That makes me feel so much better knowing someone else navigated this. Did you need the actual custody agreement or was there an alternative document you could have used?
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Andre Rousseau
•Thanks! For verification, I provided: 1) the custody agreement, 2) a letter explaining our tax arrangement with my ex, and 3) school records showing the kids' address matched mine. They accepted all that without issue. Your financial aid office might accept different docs though - address proof is the key thing.
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Zoe Stavros
the whole fafsa system is so messed up for divorced parents!!!! i got SCREWED last year because my dad claimed me but i live with mom and they made me use his income even tho he doesnt give us a DIME!!!!!! the system is rigged to screw over kids from broken homes
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Jamal Harris
•The new FAFSA (2024-2025 and beyond) actually addresses some of these issues with divorced families. They now use the term "contributor" rather than focusing primarily on who claims you on taxes. The parent you live with most of the time is generally considered the primary contributor, and the system is supposed to more accurately reflect actual financial support situations. It might be worth looking into whether the changes would benefit your situation.
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Zoe Stavros
•rly?? ill check that out maybe i can get more aid
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Jamal Harris
To add some clarity: Under the new FAFSA rules (starting with 2024-2025 applications), your situation is actually addressed more clearly. The parent who provides more financial support and with whom the children live more of the time is the primary contributor. Since both twins live with you full-time, you would be the primary contributor regardless of tax filing status. Since you're planning ahead, know that when your twins are juniors, you'll need to create FSA IDs for yourself and each of your children. The FAFSA will ask about your household members, including both twins. You likely won't need to provide extra documentation upfront, but be prepared for verification just in case - about 30% of applicants get selected.
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Ethan Clark
•That's super helpful! So I just need to count both twins in my household size even though our tax arrangement splits them. Will my ex-husband's income be considered at all? He does pay child support.
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Jamal Harris
•Great question! Since your children live with you full-time, your ex-husband's income generally won't be considered in the FAFSA calculation. Child support you receive WILL be counted as untaxed income for you on the FAFSA (under the question about "child support received"). The system is designed to capture the financial reality of your household, not just what's on tax returns.
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GalaxyGlider
I've been trying to reach someone at Federal Student Aid for weeks with a similar question and kept getting disconnected. Finally used Claimyr.com to get through - it let me skip the wait and actually talk to someone! They also have a video demo showing how it works: https://youtu.be/TbC8dZQWYNQ The agent confirmed what others are saying - household size is based on who lives with you and who you support financially, not just tax dependents. They said keep documentation ready (like school records showing your address) just in case you get verification.
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Ethan Clark
•Thanks for the tip! I wasn't aware of this service. I might use it when it's actually time to apply if I run into issues. Good to know the official answer matches what everyone here is saying.
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Zoe Stavros
•does it actually work?? i keep getting hung up on by the stupid automated system
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Carmen Vega
Professional financial aid counselor here. Let me clarify a few points for your specific situation: 1. For FAFSA purposes, your household size should include: you, both twins, and any other dependents you support financially (over 50% of their support). 2. The fact that your ex claims one child on taxes is irrelevant to the FAFSA household calculation. Tax filing status and FAFSA household definitions are separate systems with different rules. 3. Since you have 100% physical custody, you are the parent whose information goes on the FAFSA. Your ex's income is not relevant for FAFSA purposes (though it might be for CSS Profile if your children apply to private colleges). 4. Child support you receive IS counted as untaxed income on the FAFSA. 5. You likely won't need to provide documentation upfront, but if selected for verification (which happens to about 30% of applicants), be prepared to show: custody arrangement, proof of residence (utility bills, school records), and possibly a statement explaining the situation. I recommend keeping a file with these documents ready to go when your children are juniors, just in case.
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Ethan Clark
•This is exactly what I needed to know! Thank you so much for the detailed explanation. One follow-up question: does receiving child support negatively impact financial aid eligibility compared to if I received no support?
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Carmen Vega
•Good question. Yes, child support you receive is counted as untaxed income, which can reduce aid eligibility. However, it's better to report it accurately than face verification issues later. The actual impact depends on your total income and the amount of support. The formula considers your overall financial picture, and having another source of support for your children is factored into the calculation of how much you can contribute to college costs.
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Yuki Kobayashi
fafsa is the WORST. my sister got denied aid completely bc of some stupid paperwork thing. its all just a scam to make it harder for regular families to get help
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AstroAce
•Actually, FAFSA itself doesn't deny aid - it's just the application. The schools determine aid packages based on the information. If your sister had paperwork issues, she should contact the financial aid office directly. Many errors can be corrected even after submission.
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Andre Rousseau
Another thing I learned from my experience - keep ALL documentation related to your custody and living situation in a folder (physical or digital). When my triplets applied, I needed: - Copy of divorce decree - Copy of custody agreement showing physical placement - School records showing my address - Utility bills showing household size - Letter explaining our tax arrangement Better to have it and not need it than scramble at the last minute! The worst part of FAFSA is the verification process when they question things, especially with divorced parents.
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Jamal Harris
•This is excellent advice. I always recommend my clients create a "FAFSA Documentation Folder" with exactly these types of documents. I'd add bank statements showing child support deposits as another useful document to include.
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Ethan Clark
Thank you everyone for the helpful advice! So to summarize what I've learned: 1. Count both twins in my household size for FAFSA even though I only claim one on taxes 2. My ex's income won't be considered since the twins live with me full-time 3. Child support I receive will count as untaxed income 4. I should start gathering documentation now in case of verification 5. FAFSA is primarily concerned with actual living arrangements, not tax filing status This has been so helpful in understanding how to approach this when the time comes. I'm glad I started learning about this early!
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Carmen Vega
•Perfect summary! You're definitely ahead of the game by researching this early. One last tip: when your twins are sophomores, start looking at net price calculators on college websites to get early estimates for specific schools. These usually factor in your specific family situation and give better estimates than the basic FAFSA4caster.
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