FAFSA struggle: Non-contributing high-income father required for aid forms?
My son is halfway through his sophomore year at university, and I'm STILL dealing with FAFSA nightmares because of his father. His dad makes approximately $400K annually but has NEVER contributed a single dollar toward college expenses. I cover everything. The problem is that every year, his father procrastinates on completing his portions of the FAFSA and CSS Profile, causing incredible stress and delaying my son's financial aid packages. The university financial aid office says his application remains "incomplete" until his father's sections are done. Here's my question: Is it absolutely required that his father complete these forms? He's never been the custodial parent, yet his high income is drastically reducing the aid my son qualifies for. This makes zero sense to me since he contributes nothing. When we initially set up accounts, I think we included him because the forms asked about living parents, but now I'm wondering if that was a mistake. Also - is there a specific number I can call at Federal Student Aid to get clarity on this situation? The university aid office just keeps saying "all parents must complete the forms" but this feels deeply unfair given our circumstances.
18 comments


Lucas Kowalski
ughhhh i feel you on this. my parents are divorced and my dad makes good $$ but hasn't given me a dime for school. meanwhile i'm taking out max loans and working 30hrs/week while in school full time. the system is rigged against kids with parents who don't help!
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Emma Bianchi
•It's incredibly frustrating! How did you handle your FAFSA situation? Did your dad at least fill out his part on time?
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Olivia Martinez
You're dealing with what's called the "non-custodial parent" requirement that's specific to the CSS Profile (used by many private universities). For FAFSA alone, you typically only need to include the custodial parent and current spouse if remarried. However, for the CSS Profile, many schools require the non-custodial parent information regardless of their actual financial contributions. This is because these institutions often consider the financial capacity of both biological parents when determining institutional aid (not federal aid). What you might want to explore is a "CSS Profile Waiver" for the non-custodial parent. Many schools have a process where you can request this waiver if there are extenuating circumstances. While simply refusing to pay isn't usually enough, if you can document a consistent pattern of non-support and non-involvement, you might have a case. I'd recommend contacting your son's financial aid office specifically about their non-custodial parent waiver process. Each school handles these differently.
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Emma Bianchi
•Thank you for explaining this! I had no idea there was such thing as a CSS Profile Waiver. His school is a state university, not private, so I'm not sure if that applies the same way. But I'll definitely ask about the waiver process. Do you know if I need documentation beyond my tax returns showing I'm the only one supporting him?
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Charlie Yang
the css profile is evil tbh. for fafsa only, *technically* you only need to include the parent the student lived with most during the 12 months before filing. but a lot of schools make their own rules for their institutional aid...
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Olivia Martinez
•You're right about FAFSA rules for divorce situations - it's the custodial parent (where student lived most in the past 12 months) plus that parent's spouse if remarried. The CSS Profile has different rules because it's administered by College Board, not the federal government. State schools typically rely more on FAFSA, but many state universities also use CSS Profile for awarding their institutional scholarships and grants.
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Grace Patel
For specific FAFSA questions regarding divorced parents and reporting requirements, you should definitely contact Federal Student Aid directly. Their official number is 1-800-433-3243. However, like many government agencies, they're often overwhelmed with calls and the wait times can be extremely long. I used a service called Claimyr last year when dealing with a similar issue for my daughter. They hold your place in the phone queue and call you back when an agent is available. Saved me hours of wait time. Their website is claimyr.com and they have a video demo at https://youtu.be/TbC8dZQWYNQ that shows how it works. It was super helpful because I was able to get clear answers about parental reporting requirements directly from FSA rather than relying on possibly outdated information.
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Emma Bianchi
•Thank you! I've tried calling Federal Student Aid before and always end up disconnected after being on hold forever. I'll check out that service - anything to avoid another hour on hold just to get disconnected again.
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ApolloJackson
I'm going through a similar nightmare with my ex who makes over $250k and hasn't paid a dime of child support in YEARS let alone college expenses. The financial aid people told me I need something called a "dependency override" but apparently those are SUPER hard to get. My daughter is getting penalized for having a "rich dad" who doesn't contribute AT ALL!! 😡😡😡
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Isabella Russo
•I need to clarify something here - a dependency override is different from the non-custodial parent waiver mentioned earlier. A dependency override would make your student considered "independent" for FAFSA purposes (not using ANY parent information), which is extremely difficult to obtain and requires documentation of complete abandonment or dangerous situations. What you likely need is a "non-custodial parent waiver" for the CSS Profile. This doesn't change dependency status but exempts you from providing the non-custodial parent's financial information. For the original poster: For 2025-2026 FAFSA applications, the contribution from non-custodial parents is considered differently under the new SAI formula compared to the old EFC calculation. The financial aid office at your son's university should be able to explain exactly what documentation they would accept for a non-custodial parent waiver. This might include court documents, letters from professionals (clergy, social workers, etc.) who can verify the lack of contact/support, or other evidence of the non-custodial parent's absence from financial support.
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Rajiv Kumar
i think ur stuck. my friend got a waiver for her dad but only bc he had like a restraining order against him and hadn't seen him since she was 5. the financial aid ppl told her they dont give waivers just bc a parent doesnt want to pay...its super messed up
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Emma Bianchi
•That's what I'm afraid of. The system seems to assume all parents will contribute based on their income regardless of whether they actually do. My son is taking out loans for what I can't cover, but it feels so unfair that his father's income reduces his aid when that money is completely inaccessible to him.
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Isabella Russo
To directly address your question: Yes, unfortunately, both biological parents' information is typically required for full consideration of institutional aid at many universities, even if one parent provides no financial support. However, there are several strategies you might consider: 1. Contact your son's financial aid office specifically about a "Professional Judgment Review" (sometimes called a "Special Circumstances Review"). This is where financial aid administrators can use their discretion to adjust the SAI based on circumstances not reflected in the standard formula. 2. Document the consistent pattern of non-support. This can include divorce decrees, court orders for support that were never fulfilled, tax returns showing you claimed the student as dependent, etc. 3. Some schools have specific forms for "non-custodial parent waivers" that you can complete instead of having the actual CSS Profile completed by the non-cooperative parent. 4. For the 2025-2026 FAFSA, there are some changes to how parental contributions are calculated under the new SAI formula, which might affect your situation. The key is to work directly with your son's specific university financial aid office, as they're the ones who will ultimately make decisions about institutional aid packages.
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Emma Bianchi
•Thank you for these practical suggestions! I'll definitely ask about the Professional Judgment Review - that sounds like exactly what we need. I have tax returns for the past 10 years showing I'm the only one claiming him as a dependent and documentation of all college expenses coming from my accounts. Would that be enough to start this process?
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Aria Washington
Wait I'm confused... I thought with the new FAFSA simplification for 2025-2026 they changed how they calculate the student aid index or something? Don't they only count the household income where the student lives now? Or am I thinking of something totally different
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Isabella Russo
•You're partly correct! The 2025-2026 FAFSA has indeed changed how they calculate the Student Aid Index (SAI), which replaced the old Expected Family Contribution (EFC). For divorced/separated parents, the FAFSA only requires information from the parent the student lived with more during the 12 months prior to filing (plus that parent's spouse if remarried). However, many universities also require the CSS Profile for their institutional aid (scholarships, grants from the school itself), and the CSS Profile often still requires non-custodial parent information unless a waiver is approved. So while federal aid through FAFSA might be more favorable now, institutional aid decisions might still be affected by the non-custodial parent's finances unless a waiver is granted.
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Emma Bianchi
Thank you all for the helpful responses! I called the financial aid office at my son's university this morning and specifically asked about both the Professional Judgment Review and the non-custodial parent waiver. They're sending me forms for both processes. They explained that for federal aid (through FAFSA), we technically only need my information as the custodial parent. But for their institutional scholarships and grants, they normally want both parents' information via CSS Profile. However, they do have a waiver process for my situation. I need to provide: court documentation from our divorce, my tax returns showing I've claimed him as dependent, and documentation showing I've paid his university bills. They also suggested getting a letter from our family therapist who's aware of the situation with his father. I feel much more hopeful now! Will update when we get a decision. Thanks again for all your help!
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Lucas Kowalski
•that's awesome news! hope it works out. def update us!!
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