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Chloe Zhang

FAFSA parent invite issue with unmarried living together status - did we fix it correctly?

I'm totally confused about this parent contributor situation on my kids' FAFSA applications. My partner (their father) and I live together but we're not married. When my kids initially filled out their FAFSA, they selected "single, never married but living together" for our status, but only I received an invitation to contribute - their dad didn't get anything. We thought something was wrong, so my kids went back in and made a correction. I updated my marital status to "unmarried living together" and then I was able to add their father's information. Now the application says we have to sign again once it's processed. Did we do this right? I'm worried we messed something up that will delay their aid. Do both unmarried parents living together HAVE to provide information? The whole contributor system is so confusing!

You did exactly the right thing! For the 2025-2026 FAFSA, when parents are unmarried but living together, BOTH parents must contribute information to the application. The "unmarried living together" status is specifically designed for this situation. Once you selected this status and added the father's information, the system is working correctly by requiring both signatures after processing.

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Chloe Zhang

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Thank you so much! I was really worried we'd done something wrong. Do you know approximately how long it takes to process these corrections before we can sign again?

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Adriana Cohn

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we had the EXACT same issue!! took us like 3 tries to get it right lol. the new system is so confusing

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Chloe Zhang

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It's reassuring to hear we're not the only ones confused by this! Did both you and your partner eventually get to sign?

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Adriana Cohn

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yeah we both signed after like 4 days when the correction went thru. just keep checking ur email

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Jace Caspullo

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The correction you made is correct. Under the new FAFSA Simplification Act, when unmarried biological/adoptive parents live together, both must provide financial information on the FAFSA. The system initially had a bug where selecting "single, never married but living together" wasn't properly triggering the second parent invite. By updating to "unmarried living together" you fixed the issue. Typically, the corrections will process in 3-5 business days, and then both parents will need to sign. Make sure both parents have FSA IDs ready. This won't significantly delay the SAI calculation as long as you both sign promptly after processing.

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Chloe Zhang

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This is so helpful, thank you! We both have our FSA IDs ready to go. I'm just relieved we caught this now rather than later when it might have caused bigger delays.

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Melody Miles

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Is anyone else FURIOUS about this new system?? They force BOTH unmarried parents to contribute even if only ONE actually supports the student financially!!! My ex lives with me for financial reasons ONLY but doesn't contribute A PENNY to my daughter's education yet now his income counts?? This is going to DESTROY her aid package. The old FAFSA was SO much better!!

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same boat here... really sucks. apparently theres some appeal process if one parent doesnt actually provide support but good luck with that

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Jace Caspullo

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While I understand the frustration, this rule actually aligns the FAFSA with how the CSS Profile has always worked. The assumption is that both parents living in the household represent available financial resources for the student, regardless of personal arrangements. However, if there are special circumstances, you can contact each college's financial aid office directly after receiving the SAI calculation to explain your situation. Some schools have professional judgment authority to adjust the calculation.

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Eva St. Cyr

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Had a similar issue with my kid's FAFSA. The marital status options are really confusing! We're legally separated but the system kept giving errors. Ended up having to call FSA directly but wasted like 2 hours on hold before giving up. Finally found Claimyr (claimyr.com) which got me through to an actual person at FSA in about 15 mins. They have this demo video that explains how it works: https://youtu.be/TbC8dZQWYNQ The agent confirmed that "unmarried living together" was the right option for my situation too and helped me fix some other errors on the spot.

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Chloe Zhang

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Thank you for sharing this! If we run into any more issues after the processing period, I might need to try that service. The phone wait times are absolutely ridiculous.

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Did they charge you for this? Seems like something that should be free...

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Eva St. Cyr

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Yes, there is a cost, but after wasting multiple hours trying to get through on my own, it was totally worth it. The peace of mind from talking to an actual FSA agent who could see our application and confirm everything was correct saved me so much stress.

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Something important to note: make sure both parents' income information is as accurate as possible. If there are any discrepancies between what you report and what the IRS data retrieval tool pulls in, you could get flagged for verification, which can significantly delay the processing of your application. Double-check all W-2 information and tax return data before submitting the correction signatures.

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Chloe Zhang

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Thank you for this advice! We'll definitely double-check all our information. Does the system automatically compare with IRS data, or is that something that happens later?

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The FAFSA now uses direct data exchange with the IRS when possible, but there are still manual verification checks that can occur. About 20% of applications get selected for verification, and discrepancies in reported information vs. tax records is one of the biggest triggers. Better to be thorough now than deal with verification later!

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my daughter put divorced for us bcuz thats what we basically are (separated 4 yrs) but we nvr legally divorced and they rejected it and made us do the unmarried living together thing too. SAI came back way higher bcuz of it SMH

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Melody Miles

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EXACTLY my point!!! The system is RIGGED against families with complicated living situations! They're FORCING people to include incomes that shouldn't count!!

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If you're separated but not legally divorced, and still living in the same household, then "unmarried living together" is technically the correct status for FAFSA purposes. However, if you're truly separated and maintaining separate households (with documentation to prove it), you should contact each college's financial aid office directly. Many schools have processes for appealing the SAI calculation based on special circumstances like this.

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Adriana Cohn

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wait does anyone know if this affects the pell grant?? my kid might get less $ bc we had to add both parents??

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Jace Caspullo

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Yes, including both parents' income when they live together will impact the Student Aid Index (SAI), which determines Pell Grant eligibility. If the combined household income is higher than reporting just one parent, the SAI will likely increase, potentially reducing Pell Grant eligibility. However, this is the correct way to complete the FAFSA - reporting only one parent when both live together would be considered incorrect information.

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Kaitlyn Otto

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The processing time for corrections can vary wildly tbh. My daughter's took just 2 days but my son's took almost 2 weeks for some reason. Just keep checking your email and the studentaid.gov portal every day.

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Chloe Zhang

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Thanks for sharing your experience. Did you call to follow up when your son's took so long, or did you just wait it out?

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Kaitlyn Otto

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Just waited it out. Tried calling once but gave up after 45 mins on hold. In the end it finally processed on its own.

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Omar Fawaz

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You absolutely did the right thing by making that correction! The new FAFSA system has been really confusing for families with unmarried parents living together. I went through something similar with my twin daughters' applications last month. The key thing to remember is that when both biological/adoptive parents live in the same household (regardless of marital status), both must be contributors on the FAFSA. The correction processing usually takes 3-7 business days in my experience, and then you'll both get emails to complete your signatures. Make sure you both sign within the timeframe they give you or you might have to start over. Once both signatures are in, the SAI calculation should be available pretty quickly. Don't stress too much - you caught it early and fixed it properly!

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Thank you so much for the reassurance! It's really helpful to hear from someone who went through the same thing with twins. I was panicking that we'd somehow messed up their financial aid eligibility. We'll definitely make sure to sign promptly once we get those emails - I don't want to risk having to start this whole process over again!

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You definitely handled this correctly! I just went through the exact same situation with my daughter's FAFSA a few weeks ago. The "single, never married but living together" option seems to have some glitches where it doesn't always trigger both parent invites properly. Switching to "unmarried living together" and adding the second parent's info is exactly what you're supposed to do when both biological parents live in the same household. From my experience, the correction processing took about 5 days, and then we both got emails to sign. The whole thing was resolved within a week. Just make sure you both have your FSA IDs ready and check your emails regularly once the correction processes. Your kids' aid won't be delayed as long as you both sign promptly when you get the notification. You caught this early which is great - much better than discovering it later in the process!

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Amara Okafor

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This is so reassuring to hear! I was really worried we had somehow broken the application by making the correction. It's good to know that 5 days is pretty typical for processing - I'll stop checking my email obsessively every hour! We both have our FSA IDs saved and ready to go. Thanks for sharing your experience, it really helps to know we're on the right track.

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You handled this perfectly! This is actually one of the most common issues families are running into with the new FAFSA system this year. The "single, never married but living together" option has been causing problems where it doesn't always properly invite both parents as contributors. By switching to "unmarried living together" and adding your partner's information, you did exactly what you needed to do. The processing time for corrections typically runs 3-7 business days, and then you'll both receive email notifications to complete your signatures. Make sure both of you have your FSA IDs handy and sign as soon as you get the notification - the system gives you a limited window and you don't want to miss it! This correction won't delay your kids' aid processing significantly as long as you both sign promptly. You're actually ahead of the game by catching and fixing this issue early rather than discovering it later when schools are processing aid packages. Everything should be back on track once both signatures are completed!

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Sean O'Brien

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Thank you so much for the detailed explanation! As someone new to this whole FAFSA process, it's incredibly helpful to understand that this is a common issue and not something we uniquely messed up. I was really stressed about potentially delaying my kids' financial aid, so knowing that we caught it early and handled it correctly is such a relief. I'll make sure we're both ready to sign immediately when those emails come through. Really appreciate everyone in this community sharing their experiences - it makes navigating this confusing system so much easier!

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Zainab Ibrahim

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You absolutely did the right thing! This is such a common confusion with the new FAFSA system this year. The "unmarried living together" status is specifically designed for situations like yours where both biological/adoptive parents live in the same household but aren't married. The fact that only you initially received a contributor invitation was likely a system glitch with the "single, never married but living together" option. Your correction should process within 3-7 business days, and then you'll both get emails to sign. Make sure you both have your FSA IDs ready and sign promptly when you receive the notifications - there's usually a time limit! This won't significantly delay your kids' aid as long as you both complete the signatures quickly. You're actually in great shape having caught and fixed this early rather than discovering it later when schools are processing aid packages. The system is working as intended now with both parents as contributors. Don't stress - you handled this perfectly!

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