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Emma Johnson

Grandson's FAFSA dependency status after mother's death - no father in picture

We've become the legal guardians of our grandson since his mother passed away in 2019. His father has never been in the picture (no legal recognition or support). Now that he's applying for college, we're confused about his FAFSA dependency status. Should he file as an independent student since both parents are effectively out of the picture? Or do we as legal guardians count as parents for FAFSA purposes? We want to make sure we're filing correctly to get him the maximum aid possible.

I'm very sorry about your family's loss. For FAFSA dependency purposes, your grandson would likely qualify as an independent student if he has no living parents. Legal guardians are not considered parents for FAFSA purposes. On the application, he should answer 'No' to the question about having living parents, and he will need documentation of his mother's passing. For the father, if he was never legally established as the father (birth certificate, court documents, etc.), then your grandson would be considered independent.

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Thank you for your response. We do have his mother's death certificate. His father has never been on his birth certificate or provided any support. So it sounds like he should select 'independent' status? We weren't sure because we've been his legal guardians for several years now.

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my sister went thru this with her niece. if both parents r gone, kid is automatic independent. guardian doesnt count as parent for fafsa. makes the SAI way better!!

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That's encouraging to hear about the SAI calculation being better. We're worried about affording college with our fixed retirement income, so anything that helps with financial aid is a blessing.

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When I worked in financial aid, we had similar cases. Your grandson qualifies as independent because he's an orphan (mother deceased, father never legally established). BUT he'll need documentation for verification - death certificate for mom, and possibly a signed statement explaining the father's absence. The financial aid office might require additional proof like court guardianship papers or letters from social workers confirming his family situation. COLLECT ALL THIS NOW before applying - verification will almost certainly happen with unusual cases like this.

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Thank you for the detailed information. We'll gather the death certificate, our guardianship papers, and prepare a statement about his father's absence. Should we submit these documents with the FAFSA or wait until they ask for verification?

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Wait until they ask for verification. Just have everything ready because verification requests usually come with tight deadlines. Each school has slightly different processes, but they'll tell you exactly what they need when the time comes. Just make sure your grandson answers the dependency questions accurately on the initial FAFSA.

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my cousins kid is in a similar boat and it took FOREVER to get through verification!! they kept asking for more and more documents it was insane. make sure u keep COPIES of EVERYTHING u send them!!!!

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That's good advice about keeping copies. We'll scan everything and keep digital and physical copies. Did your cousin's situation eventually get resolved successfully?

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yeah but it took like 3 months!! they finally got it all sorted and he got decent aid but the stress was crazy. just be super prepared and don't wait til last minute to submit anything

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I went through this exact situation. FAFSA defines an "orphan" as someone whose parents are both deceased, and it sounds like your grandson qualifies. Since his mother passed away and his father was never legally established (not on birth certificate), he should qualify as independent. This will generally result in a much lower SAI (Student Aid Index), which means more aid eligibility. However, I struggled for WEEKS trying to reach anyone at Federal Student Aid to verify this before submitting. Kept getting disconnected or waiting for hours. Finally used Claimyr (claimyr.com) to get connected to an actual FSA agent who confirmed everything for me. They have a video demo at https://youtu.be/TbC8dZQWYNQ that shows how it works. Saved me so much stress knowing we were doing it right.

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Thank you for sharing your experience. It's reassuring to hear from someone who's been through this same situation. I'll check out that Claimyr service - it would be helpful to get official confirmation before we submit anything. Did the schools require a lot of additional verification after you submitted?

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Yes, most schools did require verification, but having talked with FSA beforehand made it much easier. I knew exactly what documents to provide and could reference my conversation with them. Some schools wanted more documentation than others - the public universities were generally easier than the private ones in my experience.

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Isn't there also some special consideration for students in legal guardianship? I thought I read somewhere that students in court-appointed legal guardianships can also be considered independent even if their parents are still alive?

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Yes, that's correct. Students in legal guardianship determined by a court are considered independent for FAFSA purposes. However, in this case, the student qualifies under the orphan status since his mother is deceased and father never legally established. Either way, the student would be independent, but having multiple qualifying conditions can help if one is questioned during verification.

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When my nephew filed as independent due to similar circumstances, the college financial aid office was INCREDIBLY difficult about it!! They kept asking for more and more proof of his situation and took FOREVER to process his aid. Start the process EARLY and be prepared for bureaucratic nonsense. The FAFSA system seems designed to be as frustrating as possible for anyone with a non-traditional family situation!

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I'm sorry your nephew went through that. We'll definitely start early. Did your nephew eventually get the aid he deserved?

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Yes, but only after we escalated to the head of financial aid and threatened to contact the Department of Education. Suddenly everything got processed in a week after months of delays! Don't be afraid to advocate strongly if you hit roadblocks.

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Thank you all for the helpful advice. We're going to gather all the documentation (death certificate, guardianship papers, statement about absent father) and have it ready for verification. We'll also consider using that Claimyr service to speak directly with FSA before submitting. It's a relief to know he should qualify as independent - that will really help with his college options. We appreciate everyone sharing their experiences and knowledge!

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One last tip - make sure your grandson also completes the CSS Profile if he's applying to private colleges that require it. His independent status works similarly there, but some private schools offer additional institutional aid that can make a big difference. Best of luck to him with his college journey!

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Thank you, we'll look into the CSS Profile as well. He's considering a few private colleges, so that's valuable information.

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I'm a financial aid counselor and want to emphasize something important that hasn't been mentioned yet - when your grandson files as independent, he'll need to report HIS income and assets on the FAFSA, not yours as guardians. This is often overlooked but crucial. If he has savings accounts, investment accounts, or significant income from work, these will still impact his aid eligibility. However, since he's likely a typical high school student with minimal assets, his Expected Family Contribution should still be very low. Also, make sure he understands that independent status means HE is responsible for the FAFSA renewal each year - not you as guardians. Many families don't realize this transition of responsibility.

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