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Sean Doyle

How to answer Medicaid eligibility on FAFSA when approval is pending?

I'm filling out my daughter's FAFSA for next year and stuck on the Medicaid question. We applied for Medicaid for her about 3 weeks ago. All signs point to her being eligible (income verification went through, etc.), but we haven't received the official approval letter yet. The FAFSA specifically asks if she's eligible for Medicaid, not if she's currently enrolled. Should I check 'Yes' since we know she qualifies based on our income, or 'No' since we don't have the official approval yet? I don't want to delay her aid package by answering incorrectly, but also don't want to miss out on potential benefits. Has anyone dealt with this timing issue before?

Zara Rashid

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You should check 'Yes' for Medicaid eligibility. The FAFSA question is asking about eligibility, not current enrollment status. Since you've already submitted the application and have verification that your income qualifies, your daughter is technically eligible even without the final approval letter. This question helps determine your Expected Family Contribution (now called Student Aid Index or SAI), and answering accurately can potentially increase her aid eligibility. Just make sure you follow through with the Medicaid enrollment once you receive the approval.

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Sean Doyle

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Thank you! That's what I was leaning toward, but wanted to make sure. I was worried about getting flagged for verification if I answered one way and then our actual status was different by the time they processed everything. We'll definitely be enrolling her as soon as the approval comes through.

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Luca Romano

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i put no on mine cause we didnt have the actual card yet and then had to do a whole correction after the approval which delayed evrything for like 3 weeks!! so frustrating

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Sean Doyle

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Oh no, that's exactly what I'm worried about! Did you have to call the financial aid office to fix it or were you able to make the correction online?

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Nia Jackson

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The system is SO confusing!! I made the opposite mistake last year - said my son was eligible because we were in the process of applying but it turned out our income was slightly over the limit. Got flagged for verification and had to explain the whole situation. Took FOREVER to sort out. Make sure your income really does qualify before you check yes. Do you have any proof from the Medicaid office that your application is being processed?

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Sean Doyle

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Yes, we got an email confirmation after submitting the income verification documents saying that our application met the income requirements and is being processed. I just don't have the final approval letter with her Medicaid ID number yet.

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When I called the FAFSA helpline about this exact issue last year, they told me to answer based on my CURRENT status at the time of filling out the form. Since your daughter isn't technically enrolled yet, they might tell you to mark 'No' and then submit a correction later. Just my experience though.

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CosmicCruiser

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This is actually incorrect advice from the helpline. The FAFSA specifically asks about ELIGIBILITY for Medicaid, not current enrollment status. The question is designed to identify students who qualify for certain federal programs based on income thresholds, which affects the SAI calculation. If the family has already verified their income meets Medicaid requirements, the student is eligible regardless of whether they're currently enrolled.

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Aisha Khan

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Has anyone actually tried using Claimyr to get through to the Federal Student Aid helpline? I spent THREE HOURS on hold yesterday trying to ask this exact question and eventually got disconnected. A friend showed me this service at claimyr.com that supposedly gets you through to a real person without the wait, and there's a video showing how it works: https://youtu.be/TbC8dZQWYNQ. Wondering if it's worth trying since I need to ask about this Medicaid question too.

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Ethan Taylor

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YES!!! used it last week when my fafsa got rejected for some stupid verification thing. got to talk to a REAL PERSON in like 10 mins instead of waiting all day. they actually helped fixed my issue right away

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Zara Rashid

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UPDATE: I checked with the Federal Student Aid office today to confirm the correct answer. They stated that for the Medicaid question, you should answer 'Yes' if your child is eligible based on your state's requirements, even if you're waiting for final approval. The question is used to identify students who qualify for an automatic zero EFC or simplified needs test, which can result in maximum aid eligibility. Once you receive the official approval, make sure your daughter is actually enrolled in Medicaid to maintain consistency with your FAFSA answers in case of verification.

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Sean Doyle

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Thank you so much for following up on this! This is exactly what I needed to know. I'll mark 'Yes' since we've already confirmed she meets the income requirements. I appreciate everyone's help!

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Luca Romano

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make sure u save all ur medicaid application stuff cause if u get picked for verification (i did) theyll want proof that u were eligible when u filled it out

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Sean Doyle

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Good point! I've saved all the emails and confirmation numbers from our application. I'll create a folder with all this documentation just in case.

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Nia Jackson

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UGH this whole system is ridiculous. Why can't they just look up if someone is eligible themselves instead of making us figure it out? Then they wonder why enrollment rates are down for low-income students. I spent more time dealing with FAFSA verification than I did on my kid's college applications!!

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CosmicCruiser

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I understand the frustration, but there's actually a good reason for this. The Dept of Education and Medicaid systems are separate federal programs with different databases that don't automatically share information due to privacy laws. The FAFSA has been simplified for 2025-2026 with fewer questions, but this particular question remains because it helps identify students who qualify for maximum aid through the simplified needs test provision.

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PixelWarrior

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Just wanted to add my experience as someone who went through this exact situation last year. I marked "Yes" on the FAFSA when we were still waiting for Medicaid approval (had confirmation our income qualified), and it worked out perfectly. My daughter got the maximum Pell Grant and state aid. The key thing is that the FAFSA uses this question to trigger the automatic zero EFC calculation, which can make a huge difference in aid eligibility. We did get selected for verification later, but having all our Medicaid application documentation saved (like others mentioned) made the process smooth. The financial aid office actually thanked us for answering correctly because it helped them process her aid package faster. Don't overthink it - if you've confirmed you meet the income requirements, you're eligible!

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