FAFSA without parent tax returns - disabled veteran income reporting issue
I'm trying to figure out how the new FAFSA handles our unusual situation for my daughter's college applications. I'm a disabled veteran (VA disability) with no taxable income, so I don't file tax returns. Previously, we lived with my daughter's father who claimed us as dependents on his returns (he receives SSDI). But we've now moved out and have our own household. Since FAFSA uses prior year tax info, I'm confused about what to report since I didn't file. There's no option that seems to fit our situation. Last year, both her father and I had to complete contributor sections since we were in the same household. But now that we're separated, I'm the only supporting parent but with non-taxable income. Has anyone with VA disability or other non-taxable income successfully completed the new FAFSA? What documentation did you have to provide since there's no tax return? Really stressed about getting this right so my daughter doesn't miss out on aid opportunities.
41 comments


Jungleboo Soletrain
You'll need to select the "Will Not File" option for your tax filing status. The new FAFSA still requires you to report your untaxed income, including VA disability benefits. You'll need to manually enter these amounts in the untaxed income section. Have your VA benefit statements ready to document your income source. Since you're now in a separate household from your daughter's other parent, only your financial information is required unless you've remarried. The system will ask about household size and other financial details beyond just tax returns.
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Anna Xian
•Thanks for the clear guidance! Do I need to provide any specific documentation to verify my VA benefits when selecting "Will Not File"? Or is that only if we get selected for verification later? I'm worried about delays since my daughter's priority deadlines are coming up fast.
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Rajan Walker
my son and i went thru this EXACT situation last yr!! VA disability isnt taxable so u dont need tax forms but they still count it as income on the FAFSA!!!! its SO confusing and the website kept glitching when we tried to submit without tax info. took FOREVER to get anyone on the phone who understood our situation
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Nadia Zaldivar
•Did they end up requiring you to submit your disability award letter? I'm in a similar situation (not VA but SSDI) and wondering what paperwork I need to have ready.
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Rajan Walker
•yep they made us submit the VA award letter and also a non-filer statement from the IRS! the whole process took like 2 extra months and almost cost my son his housing assignment! definitely start early and call them if the website gives you errors
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Lukas Fitzgerald
If you're struggling to reach someone at Federal Student Aid about this specific situation, I highly recommend using Claimyr.com. I was in a similar position with untaxed income questions and spent days trying to get through. Claimyr got me connected to an FSA agent in about 20 minutes who helped me understand exactly how to report my disability income on the FAFSA. They have a video showing how it works here: https://youtu.be/TbC8dZQWYNQ - totally worth it for complicated situations like yours where you need to speak with someone directly.
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Anna Xian
•Thanks for the tip! I've been trying to call for days and keep getting disconnected or told the wait is over 2 hours. I'll check out that service - at this point I just need to talk to a real person who understands these special situations.
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Ev Luca
The 2025-2026 FAFSA specifically addresses non-taxable income like VA disability. When you select "Will Not File" for tax filing status, you'll be prompted to enter untaxed income. Enter your VA disability benefits in the "Untaxed income" section, not in the earned income section. Make sure you have the following ready: - VA benefit award letters showing monthly amount - Documentation of your separate household status - Proof of other expenses like housing costs Also, your SAI (Student Aid Index, formerly EFC) calculation will include your untaxed benefits, but they're counted differently than taxable income. If you get selected for verification, you'll need to provide your VA award letter and a non-filing verification from the IRS (you can request this online).
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Anna Xian
•Thank you for the detailed explanation! I was confused about whether VA benefits go in the untaxed income section or somewhere else. Do you know if I need the IRS non-filing verification letter before I submit the FAFSA, or only if we get selected for verification afterwards?
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Ev Luca
•You don't need the IRS non-filing letter before submitting the FAFSA - only if you get selected for verification afterward. But I recommend requesting it now anyway since it can take 5-10 business days to receive. For the initial FAFSA submission, just make sure your VA benefit amounts are accurately reported in the untaxed income section.
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Avery Davis
Ugh the FAFSA is SO BROKEN for military families!! My husband is also a disabled vet and we had to call like 7 times before someone could explain how to enter his VA disability correctly. The whole system is designed for people with normal W-2 jobs and regular tax returns. And then they wonder why military kids don't apply for aid!
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Collins Angel
•EXACTLY!! And don't even get me started on how they calculate the SAI for disability income vs regular income. My son got way less aid than his friends whose parents make the same amount but through regular jobs. The system is completely rigged against families with disabilities.
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Anna Xian
•It does feel like navigating a maze that wasn't designed for our situation. Did you end up getting the aid amounts sorted out eventually? I'm worried my daughter will get less aid because of how they count VA disability.
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Jungleboo Soletrain
One important thing to note: VA disability benefits are considered untaxed income on the FAFSA, but they're weighted differently in the SAI formula than taxable income. About 50% of your untaxed income will be counted in the SAI calculation versus up to 47% of taxable income (depending on income brackets). Also, if you're receiving VA disability at a rating of 100%, make sure your daughter also checks with individual colleges about their Yellow Ribbon programs or other veteran dependent scholarships - many schools offer additional aid that isn't part of the federal formula.
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Anna Xian
•That's really helpful information about the percentage calculations. I wasn't aware that VA benefits are weighted differently. I'm not at 100% disability rating, so we won't qualify for Yellow Ribbon, but I'll definitely look into school-specific veteran dependent scholarships. Thank you!
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Nadia Zaldivar
Sorry if this is off-topic but has anyone had luck getting the disability documentation requirements waived? My son has had to submit the same paperwork for 3 years in a row even though my disability status never changes. It's exhausting having to gather the same documentation every single time.
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Ev Luca
•Unfortunately, verification is typically required each year because the FAFSA is an annual application. However, starting with the 2024-2025 simplified FAFSA, fewer applicants are being selected for verification than in previous years. If your status hasn't changed, keep digital copies of all documentation so you can quickly resubmit if needed.
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Collins Angel
DONT FORGET that if your income situation has changed drastically since the tax year they're using, you can file for a professional judgment review!!! This is SUPER important for disability cases where your income might have suddenly dropped. You'll need to contact each financial aid office separately though - the FAFSA itself doesn't have this option. Each school handles these differently.
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Anna Xian
•That's a great point. My income has been fairly stable since becoming disabled, but I'll keep this in mind if anything changes. Do schools typically have a standard form for professional judgment reviews?
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Collins Angel
•Most schools have their own forms, no standardization AT ALL which makes it a huge hassle. Some call it "special circumstances review" or "income adjustment request" instead of professional judgment. Call each financial aid office directly to ask about their process - don't just rely on website info which is often outdated.
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Rajan Walker
does anyone know if the VA disability affects pell grant eligibility?? my nephew got denied even tho his mom is 100% disabled vet and they dont have much money. something about the disability counting more than regular income?
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Jungleboo Soletrain
•VA disability benefits do count as untaxed income in the SAI formula, which determines Pell Grant eligibility. However, if their SAI seems unusually high despite low actual financial resources, they should request a professional judgment review at their financial aid office. Sometimes schools can adjust how untaxed income is counted if they understand the full financial situation.
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Anna Xian
Thank you all for the helpful advice! I've gathered my VA award letters and requested a non-filing verification from the IRS just in case. I'll make sure to carefully report everything in the untaxed income sections and explain our household change situation clearly. My daughter is also going to check with each college about veteran dependent scholarships. Really appreciate all the insights from others who've navigated this confusing process!
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Jungleboo Soletrain
•Sounds like you're well prepared now! One last tip: After you submit, save a PDF copy of your FAFSA confirmation page and SAI calculation. If you have any issues later, having this documentation ready will make it much easier to resolve.
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Chloe Taylor
As a newcomer to this community, I want to thank everyone for sharing such detailed experiences about navigating FAFSA with disability income. I'm in a similar situation with my daughter starting college next year, and I'm a disabled veteran receiving VA compensation. Reading through all these responses has been incredibly helpful - especially learning about the "Will Not File" option and how VA benefits are counted as untaxed income. I had no idea about the professional judgment review option either, which could be really important for our family. It's reassuring to know there are others who understand how confusing this process can be for military families. I'll definitely be bookmarking this thread and following the advice about gathering documentation early. Thank you all for creating such a supportive space to share information!
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Layla Sanders
Welcome to the community, Chloe! I'm so glad you found this thread helpful. As another veteran parent, I completely understand how overwhelming the FAFSA process can feel when your situation doesn't fit the "normal" boxes. One thing I'd add to all the great advice already shared - make sure to keep detailed records of all your communications with financial aid offices. I learned the hard way that different representatives sometimes give conflicting information, so having everything documented helps you stay consistent. Also, don't hesitate to reach out here if you run into any snags during the process - this community has been invaluable for navigating these challenges. Good luck with your daughter's college applications!
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Nia Harris
•Thank you so much for the warm welcome, Layla! That's excellent advice about keeping detailed records - I hadn't thought about documenting all communications but that makes total sense given how complex these situations can be. I'm already learning so much from everyone's experiences here. It's such a relief to find a community where people actually understand the unique challenges military families face with financial aid. I'll definitely reach out if I hit any roadblocks during the process. It's amazing how much more confident I feel about tackling this after reading everyone's insights!
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Alberto Souchard
As a newcomer to this community, I'm finding this thread incredibly valuable! My husband is a disabled veteran receiving VA compensation, and we're just starting the FAFSA process for our daughter who's a junior in high school. I had no idea about the "Will Not File" option or how VA disability benefits are treated differently in the SAI calculation. The tip about requesting the IRS non-filing verification letter early is particularly helpful - I'm going to do that right away so we're not scrambling later. It's also reassuring to know there are services like Claimyr if we can't get through to FSA directly. Thank you all for sharing your experiences and creating such a supportive environment for families dealing with these unique situations. I feel much more prepared to navigate this process now!
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Oliver Schulz
•Welcome to the community, Alberto! It's great that you're starting this process early with your daughter still being a junior - that gives you plenty of time to get everything organized. I wish I had found this community sooner when I was going through this with my daughter. One additional tip I'd suggest is to also look into your state's financial aid programs, as some states have specific provisions for veteran families that can supplement federal aid. And definitely take advantage of that early timeline to practice filling out the FAFSA using the IRS Data Retrieval Tool (even though you won't use it) so you get familiar with the interface before the real deadline pressure hits. This community has been such a lifesaver for navigating all these complexities!
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Demi Lagos
As someone new to this community, I'm incredibly grateful for all the detailed information shared here! My situation is very similar - I'm a disabled veteran with VA compensation and no taxable income, and my son will be starting college next fall. I had been completely overwhelmed trying to figure out how to handle the FAFSA without tax returns, but this thread has been a goldmine of practical advice. The explanation about selecting "Will Not File" and entering VA benefits as untaxed income makes so much sense now. I'm also relieved to learn about the professional judgment review option, since our financial reality doesn't always match what the formulas calculate. I'll definitely be following everyone's advice about gathering documentation early and keeping detailed records. It's so reassuring to connect with other military families who truly understand these unique challenges. Thank you all for creating such a supportive and informative space!
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Connor O'Neill
•Welcome to the community, Demi! Your timing is perfect since you still have several months before your son starts college. I'm also new here but have been learning so much from everyone's experiences. One thing that really stood out to me from this thread is how important it is to stay organized and start early - it sounds like you're already on the right track with that mindset. I'd also suggest connecting with your son's high school guidance counselor if they have experience with military families, as they might have additional local resources or contacts at colleges that understand veteran situations. This community has already made me feel so much more confident about tackling what seemed like an impossible process just a few days ago. Looking forward to learning alongside you as we both navigate this journey!
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Sean Murphy
As a newcomer to this community, I want to express my gratitude for finding such a comprehensive discussion about FAFSA challenges for veteran families! I'm a disabled veteran receiving VA compensation, and my daughter will be applying for college aid soon. This thread has been incredibly enlightening - I had no idea about the "Will Not File" option or that VA disability benefits should be reported as untaxed income rather than regular income. The detailed explanations about SAI calculations and the differences in how untaxed income is weighted compared to taxable income are particularly valuable. I'm also grateful to learn about the professional judgment review process, as our actual financial situation might not be accurately reflected by the standard formulas. The advice about gathering documentation early, keeping detailed records, and having backup plans like Claimyr for getting through to FSA representatives is exactly what I needed to hear. It's such a relief to find a community where people understand that military families often face unique circumstances that don't fit neatly into standard financial aid categories. Thank you all for sharing your experiences and creating such a supportive environment!
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KylieRose
•Welcome to the community, Sean! I'm also relatively new here but have found this thread to be such an incredible resource. As another disabled veteran going through this process, I completely understand that feeling of relief when you finally find people who "get it" - the standard FAFSA guidance just doesn't address our unique situations at all. Your daughter is lucky to have a parent who's starting this research early! One thing I've learned from reading through everyone's experiences is that it's worth reaching out to the financial aid offices at your daughter's target schools directly, even before applying. Some of them have veteran liaisons or specialists who can walk you through their specific processes and requirements. It sounds like you're already building a great action plan based on all the wisdom shared here. Looking forward to learning alongside you as we both navigate this complex but manageable process!
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Giovanni Rossi
As a newcomer to this community, I'm blown away by the wealth of knowledge and support shared in this thread! I'm a disabled veteran receiving VA disability benefits, and my son will be starting his college search next year. Like so many others here, I was completely lost about how to handle the FAFSA without traditional tax returns. This discussion has been a game-changer for me - learning about the "Will Not File" option, understanding how VA benefits are categorized as untaxed income, and discovering resources like professional judgment reviews has transformed what felt like an impossible task into something manageable. I'm particularly grateful for the practical tips about gathering documentation early, the heads-up about potential verification requirements, and the suggestion to explore school-specific veteran programs. The fact that this community exists and is so generous with sharing real-world experiences gives me so much hope. I'll definitely be taking everyone's advice to heart and starting my preparation now while there's still time. Thank you all for creating such an invaluable resource for military families navigating this complex process!
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Connor Murphy
•Welcome to the community, Giovanni! It's wonderful to see another veteran parent finding this thread helpful. As someone who's also relatively new here but has been learning so much from everyone's shared experiences, I completely understand that feeling of going from overwhelmed to empowered. The fact that you're starting this research a full year ahead puts you in such a great position - I wish I had found this community that early in the process! One thing I'd add to all the excellent advice already shared is to consider creating a dedicated folder (physical or digital) to organize all your VA documentation, correspondence, and FAFSA-related materials as you go. It makes everything so much easier when you need to reference something quickly or if you get selected for verification. This community truly is a treasure trove of real-world wisdom that you just can't find in the official guides. Looking forward to seeing how your journey unfolds!
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Clay blendedgen
As a newcomer to this community, I'm incredibly grateful to have found this comprehensive discussion! I'm a disabled veteran receiving VA compensation, and my daughter is starting her senior year of high school. This thread has been absolutely invaluable - I had no clue about the "Will Not File" option or that VA disability benefits needed to be reported as untaxed income. The detailed breakdown of how the SAI calculation works differently for untaxed vs taxable income is exactly what I needed to understand. I'm also relieved to learn about professional judgment reviews as a backup option if the standard formulas don't reflect our actual financial reality. The practical advice about gathering VA award letters early, requesting IRS non-filing verification proactively, and keeping detailed records of all communications is spot-on. It's such a comfort to find a community where other military families share the real challenges we face with these systems that weren't designed for our unique situations. Thank you all for being so generous with your knowledge and experience - you've transformed what felt like an insurmountable obstacle into a manageable process with clear action steps!
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Nolan Carter
•Welcome to the community, Clay! As another newcomer who's been learning so much from this incredible thread, I completely relate to that feeling of relief when you finally find people who understand these unique challenges. Your timing is perfect with your daughter being a senior - you have enough time to get everything organized without the pressure of immediate deadlines. One thing that really struck me from reading everyone's experiences is how much the preparation and documentation gathering seems to pay off later in the process. The fact that you're already thinking about creating clear action steps shows you're going to navigate this successfully. I've been bookmarking all the key advice from this thread, and it's amazing how much more confident I feel about tackling what initially seemed like an impossible maze. This community truly is a lifeline for military families dealing with financial aid complexities that the standard guides just don't address!
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Malik Robinson
As a newcomer to this community, I'm amazed by the depth of knowledge and support shared in this thread! I'm also a disabled veteran receiving VA compensation, and my twins will be applying for college aid next year. Like many others here, I was completely overwhelmed by how to handle the FAFSA process without traditional tax documentation. This discussion has been a revelation - learning about selecting "Will Not File," properly categorizing VA benefits as untaxed income, and understanding the SAI calculation differences has made everything click into place. The practical tips about early documentation gathering, the IRS non-filing verification process, and backup resources like Claimyr are incredibly valuable. I'm especially grateful to learn about professional judgment reviews and school-specific veteran programs that could make a real difference for our family. What started as anxiety about navigating an impossible system has transformed into confidence with a clear roadmap, thanks to everyone's generous sharing of real-world experiences. This community is exactly what military families need when dealing with financial aid complexities that standard guidance simply doesn't address adequately!
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Aisha Rahman
•Welcome to the community, Malik! As another newcomer who's been absorbing all the incredible wisdom in this thread, I completely understand that transformation from anxiety to confidence - it's exactly what I experienced too! Having twins going through this process simultaneously adds another layer of complexity, but at least you'll become an expert quickly and can apply the same knowledge to both applications. The advice everyone has shared here about early preparation is going to be especially valuable for your situation since you'll essentially be doing everything twice. I've been taking notes on all the key points mentioned throughout this discussion, and it's amazing how this community has turned what seemed like navigating a foreign language into a clear, step-by-step process. The fact that so many veteran families have successfully made it through gives me hope that we can too. Thank you for adding your voice to this supportive conversation - it's reassuring to know there are others starting this journey at the same time!
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NebulaNova
As a newcomer to this community, I'm so grateful to have discovered this incredibly detailed discussion! I'm a disabled veteran receiving VA disability compensation, and my daughter will be starting her college applications soon. Like so many others here, I was completely lost about how to navigate the FAFSA without traditional tax returns. This thread has been absolutely transformative - learning about the "Will Not File" option, understanding that VA benefits should be categorized as untaxed income, and discovering the nuances of SAI calculations has changed everything for me. The practical advice about gathering VA award letters early, proactively requesting IRS non-filing verification, and having backup resources like Claimyr ready has given me a concrete action plan. I'm also relieved to know about professional judgment reviews as an option if our circumstances don't fit the standard formulas. What strikes me most is how this community understands that military families face unique challenges that aren't addressed in typical financial aid guidance. Thank you all for sharing your real-world experiences and creating such a supportive environment - you've transformed what felt like an impossible obstacle into a manageable process with clear steps forward!
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Scarlett Forster
•Welcome to the community, NebulaNova! As another newcomer who just discovered this incredible thread, I completely share your sentiment about going from feeling completely lost to having a clear roadmap. It's amazing how this one discussion has addressed so many of the specific concerns that veteran families face with the FAFSA process. Like you, I was completely unaware of the "Will Not File" option and had no idea how to properly categorize VA disability benefits. Reading through everyone's real experiences - from the technical details about SAI calculations to the practical tips about documentation and backup resources - has been like finding a comprehensive guide that actually addresses our unique situations. What really stands out to me is how generous everyone has been with sharing not just what worked, but also the challenges and mistakes they encountered along the way. It gives me so much confidence knowing that other military families have successfully navigated this process and are here to support newcomers like us. Thank you for adding your voice to this supportive conversation - it's reassuring to know there are others starting this journey with the same initial concerns but now feeling much more prepared!
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