< Back to FAFSA

Sophie Footman

Filing FAFSA with married parents filing taxes separately - correct order for inviting parents?

I'm so confused about the order of operations for FAFSA when my parents file taxes separately! My parents are married but file separate tax returns. Do I need to start the FAFSA application first and then send them both invites? Or do they both need to create their FSA IDs first before I even begin? And do BOTH parents have to accept the invitation since they file separately, or just the parent who provides more financial support? The StudentAid.gov instructions aren't clear about this specific situation and I'm worried about messing up my SAI calculation.

Connor Rupert

•

both parents have to complete it if theyre still married, doesnt matter if they file separate. you start your part first, then send them both invites. they'll both need FSA IDs. my parents went through this last year.

0 coins

Thanks! So I definitely need to wait until both of my parents complete their sections before my application will be processed, right? Even though they file separately?

0 coins

Molly Hansen

•

Yes, you should start the FAFSA application first, and then invite both parents. This is because when parents are married but file separately, both parents' financial information must be reported regardless of their tax filing status. The process works like this: 1. You (the student) create your FSA ID and start the FAFSA application 2. Complete your student section 3. When you reach the parent section, you'll select the option that your parents are married but file separately 4. You'll then invite both parents to complete their sections 5. Both parents must create their own FSA IDs if they don't already have them 6. Both parents must accept the invitation and provide their financial information Both parents' financial data will be used in your SAI calculation, even with separate tax returns. The system will combine their information.

0 coins

This is really helpful - thank you! I was worried that since they file separately, maybe only one parent would need to fill it out. I'll make sure they both create FSA IDs and complete their sections.

0 coins

Brady Clean

•

My ex-husband and I went through this with our son. We're still legally married but separated and file taxes separately. It was a NIGHTMARE getting my ex to do his part. Took forever and almost made my son miss his priority deadline. Make sure your parents know they BOTH have to do it ASAP after you invite them.

0 coins

Oh no, that sounds stressful! My dad isn't very tech-savvy so I'm already worried about how long it might take him to figure out his part. Did you or your ex have any issues with the ID verification part?

0 coins

Skylar Neal

•

The FAFSA process can definitely be confusing with married parents filing separately. I actually ran into difficulties with this exact situation when trying to help my daughter. After multiple disconnected calls to Federal Student Aid, I found a service called Claimyr (claimyr.com) that got me through to an actual agent who could help. They have a video demo at https://youtu.be/TbC8dZQWYNQ showing how it works. The agent explained that for married-filing-separately situations, you absolutely need both parents to complete their sections, and there's a specific way the system combines their information for the SAI calculation.

0 coins

did u have to pay for this service?? seems sketchy that we need to pay just to talk to someone about FAFSA problems

0 coins

Skylar Neal

•

Yes, there is a fee, but honestly after spending hours trying to get through on my own, it was worth it to me. I was missing my daughter's school deadline and needed answers right away. The agent helped me understand exactly how the married-filing-separately scenario works with the contributor questions.

0 coins

Kelsey Chin

•

I handle financial aid at a community college, and this is one of our most common questions. The correct process is: 1. Student creates FAFSA and completes their section 2. Student invites BOTH parents (for married filing separately) 3. Each parent must create their own FSA ID 4. Both parents must complete their sections Both parents' information will be used in the SAI calculation. If only one parent completes their section, the application will remain incomplete and won't be processed. Also important: the student and each parent must have SEPARATE email addresses and phone numbers for their FSA IDs - this often causes confusion.

0 coins

Norah Quay

•

This is wrong!!! My sister only had one parent fill it out even though they file separately and she still got her financial aid. The FAFSA people told her only custodial parent needs to fill it out.

0 coins

Kelsey Chin

•

You might be confusing divorced parents with married parents who file separately. For divorced/separated parents, only the custodial parent (plus stepparent if remarried) completes the FAFSA. For married parents who file separately but are still married and living together, both must complete the FAFSA. This is a critical distinction in the 2024-2025 FAFSA rules.

0 coins

UPDATE: I started my FAFSA yesterday and invited both parents. Mom completed her section right away, but Dad's still working on his. The system is showing my application as "Incomplete - Waiting for Parent 2 Contribution" so it definitely seems like both parents have to complete it when they're married filing separately. I'll update again when it's fully processed to confirm everything went through correctly.

0 coins

Connor Rupert

•

thats exactly what happened with mine. took my dad like 2 weeks to do his part and my app was stuck on that status the whole time

0 coins

Molly Hansen

•

Yes, that status confirms you're following the correct process. The application won't proceed to final processing until both parents complete their sections. When your dad finishes his part, your status should change to "Processing" within 1-3 days.

0 coins

Brady Clean

•

ONE MORE THING!! Make sure both parents use THE EXACT SAME marital status in their sections! My ex put "Separated" while I put "Married" and it caused a conflict that froze the whole application. We had to call and get it fixed. Both need to select "Married" since you're not legally divorced even if filing separately.

0 coins

Omg thank you for this tip!! I wouldn't have thought to check that and I can totally see my parents making this exact mistake. I'll make sure to tell them both to select 'Married'!

0 coins

Anna Stewart

•

Just wanted to add - make sure your parents know they can work on their sections simultaneously! I was worried they'd have to do it one at a time, but the system allows both parents to log in and complete their parts at the same time. This can really speed up the process if you have cooperative parents. Also, if either parent runs into technical issues with their FSA ID creation, they should try using a different browser or clearing their cache - that solved my mom's login problems.

0 coins

That's really good to know about working simultaneously! I was definitely thinking they'd have to take turns or something. The browser tip is super helpful too - my dad always has issues with websites and clearing cache usually fixes half his problems. Thanks for sharing these practical tips!

0 coins

FAFSA AI

Expert Assistant
Secure

Powered by Claimyr AI

T
I
+
20,087 users helped today