FAFSA rejected Pell Grant eligibility due to disability income - how to correct 'married filing separately' issue?
I'm completely stressed out over my son's FAFSA application! It's currently in review but we just got an email saying he doesn't qualify for a Pell Grant because they can't calculate our SAI (Student Aid Index). I think I know why but don't know how to fix it. Here's the problem: I filed taxes as 'Married Filing Separately' but when completing the FAFSA, it only gave me the option for 'Married' after I indicated we live together. There was NO option to select 'Married Filing Separately'! My husband is on disability and only about half of his income is taxable (and it's below the filing threshold), so he wasn't required to file taxes at all last year. We both created FSA IDs and both signed the consent for IRS data retrieval, but obviously the system can't find my husband's tax return because he legally didn't have to file one! I've tried calling the Federal Student Aid hotline 8 times and either get disconnected or transferred to someone who just copy-pastes information from the website that doesn't address our specific situation. Is there a way to manually update the application to explain this? My son really needs that Pell Grant for college next fall!
20 comments


Tyrone Johnson
This is exactly why the new FAFSA is such a mess! The 'simplified' form removed a bunch of options that the old form had. You're right that the new FAFSA doesn't have a clear way to indicate 'married filing separately' anymore. You need to submit a correction to your FAFSA. Log in to studentaid.gov, go to your application, and select 'Make FAFSA Corrections.' In the financial section, there should be a place to manually enter income information. You'll need to enter your husband's untaxed disability income in the 'Other Untaxed Income' section. Make sure to save and submit the correction. Then immediately file for a Professional Judgment review with your son's school's financial aid office. Explain the disability situation and provide documentation of your husband's disability benefits. They have the authority to make adjustments to your FAFSA that the online system won't allow.
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Gabrielle Dubois
•Thank you! I'll try the correction option, but I don't see where to enter 'Other Untaxed Income' - it keeps saying we need to use the IRS retrieval tool. I'll keep looking though! Do I need specific documentation for the Professional Judgment review? We have his benefit award letters.
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Ingrid Larsson
im in literally the same boat!!! husband is on VA disability and didnt file taxes. fafsa system is SO BROKEN this year!! did u try calling them yet? i got hung up on 3 times before i gave up lol
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Gabrielle Dubois
•Yes, I've called so many times! Either I wait for 2+ hours and get disconnected or I finally talk to someone who just reads from a script. It's driving me CRAZY because my son's college enrollment deadline is coming up soon and he can't commit without knowing his financial aid package!
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Carlos Mendoza
I work in a college financial aid office and we're seeing this problem A LOT with the new FAFSA. Here's the correct process: 1. You need to complete a FAFSA correction and mark your husband as a non-tax filer 2. Enter his disability income in the untaxed income section 3. Submit the correction 4. Contact your son's school's financial aid office with documentation of the disability income The school will then need to perform verification before recalculating your SAI. Unfortunately, until the Department of Education fixes this issue, families with non-filers are getting caught in this trap. One important note: make sure you're using the income from the correct tax year (2022 for the 2024-2025 FAFSA). And be prepared that the verification process might take 2-3 weeks with most schools right now due to all the FAFSA implementation problems.
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Gabrielle Dubois
•Thank you for the clear steps! I'm struggling to find the 'non-tax filer' option though. When I click on correction, it takes me right back to the IRS data retrieval screen and won't let me proceed without confirming tax filing status. Is there a specific section where I can indicate he's a non-filer?
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Zainab Mahmoud
You might want to try Claimyr to actually get through to a Federal Student Aid agent. I was in a similar situation with my daughter's FAFSA (different issue but same frustration with not being able to talk to anyone). I used claimyr.com and they got me connected to an actual FSA agent in about 15 minutes who could manually override some things in our application. They have a video showing how it works here: https://youtu.be/TbC8dZQWYNQ The agent I spoke with was able to add notes to our application explaining our tax situation and pushed it through to processing. Definitely worth it after I wasted days trying to get through on my own.
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Ingrid Larsson
•does that actually work?? im desperate enough to try ANYTHING at this point my daughter might lose her scholarship if we dont fix this soon
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Zainab Mahmoud
•Yes, it definitely worked for me! The agent was able to document everything in the system and expedite our application. We got our SAI calculated correctly within a week after that call.
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Ava Williams
The stupdiest thing about this new FASFA is they claims its "simplifed" but its WAY more complicated!!!! Why would they remove important options like filing status??? Im so sorry your dealing with this nightmare!!!
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Raj Gupta
I had a similar issue with my husband's disability income. What finally worked for us was: 1. Log into studentaid.gov 2. Select "Make FAFSA Corrections" 3. Navigate to the "Financial Information" section 4. You should see an option that says "Did [Spouse Name] file a tax return?" - select "No" 5. This will open up fields to manually enter income 6. Enter the disability income in the "Untaxed Income" section After that, I also uploaded a signed statement explaining our situation using the document upload feature. It's under "Submit Documentation" in your dashboard. Don't forget to contact your son's school directly too - they ultimately control the aid package and can make adjustments that FAFSA's system can't.
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Gabrielle Dubois
•THANK YOU! I finally found it! It was hidden under a sub-menu that only appears after clicking through several screens. I've entered his disability income information now. I'll also prepare that signed statement - great idea. What kind of documentation did you attach to prove the disability income?
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Raj Gupta
•I attached my husband's benefit award letter from Social Security that shows the monthly payment amount, and a bank statement showing the deposits. The financial aid office at my daughter's school also wanted us to complete a "Verification of Non-Filing" form that they provided. Every school handles it a bit differently, so definitely reach out to your son's financial aid office directly!
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Carlos Mendoza
Once you've made the correction, here's what will likely happen: 1. Your application will probably be selected for verification (this is standard for situations like yours) 2. The school will request documentation of non-filing status and income verification 3. You'll need to provide your tax return, your husband's disability documentation, and possibly a Verification of Non-Filing Letter from the IRS for your husband 4. The school will then manually calculate your correct SAI 5. This should resolve the Pell Grant eligibility issue You should be prepared that this might take 3-4 weeks to fully resolve with the current backlog at most financial aid offices. If your son needs to make an enrollment decision before this is resolved, contact the school's financial aid office - many are offering deadline extensions due to the FAFSA delays this year.
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Gabrielle Dubois
•This is really helpful information! I'll start gathering all those documents now so we're prepared. Is there a specific form for the Verification of Non-Filing Letter or do we just request that from the IRS website?
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Carlos Mendoza
•You can request the Verification of Non-Filing Letter directly from the IRS using IRS Form 4506-T. Check box 7 on the form to request the verification of non-filing. It's free and usually takes about 10 days to arrive by mail. Many schools also have their own non-filing certification form they may accept instead, so check with your son's financial aid office first.
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Lena Müller
My brother went thru this exact thing & ended up having to appeal directly to the college financial aid office. The FAFSA people weren't able to fix it in the system but the college could override it manually. He had to provide proof of disability & income but they fixed it pretty quick once he talked to the right person.
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Gabrielle Dubois
UPDATE: I finally got this resolved! For anyone dealing with similar issues: 1. I corrected the FAFSA by manually entering my spouse as a non-tax filer 2. I used Claimyr to reach an actual FSA agent who added notes to our application 3. I gathered documentation (benefit award letters, bank statements, IRS non-filing verification) 4. I contacted my son's school financial aid office with all documentation It took about 2 weeks, but they recalculated our SAI and my son IS eligible for a Pell Grant after all! The financial aid officer told me they're seeing this issue a lot with disability income and the new FAFSA. Thanks everyone for your help! This community saved us literally thousands in financial aid!
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Ingrid Larsson
•OMG thank you for updating!! im going to do EXACTLY what you did. congrats on getting it fixed!!
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Raj Gupta
•So happy to hear this worked out for you! Congratulations! 🎉 It's always great to hear success stories with the FAFSA process.
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