How to report child's disability payments on FAFSA when they end during college?
Feeling really stressed about the 2025-2026 FAFSA! My daughter receives $980 monthly in SSDI payments because her dad has a permanent disability. These payments are scheduled to stop when she turns 18 in April 2026 (middle of her freshman year). I'm her custodial parent after divorce and provide about 70% of her support, while her father contributes nothing beyond what the government sends her. I make around $72,000 and her dad makes about $29,000 on disability. Do we need to report these disability payments on the FAFSA even though they'll end partway through the school year? If yes, where exactly do I report them? Under her untaxed income? And does receiving these payments from her dad's disability claim mean he should be the contributing parent on the FAFSA instead of me? Everything I'm finding online just says "report under untaxed income" but doesn't explain the parent situation in cases like ours. Really appreciate any guidance from those who've navigated this!
20 comments
Logan Scott
Yes, you'll need to report those disability payments on the FAFSA. Since the payments will continue for part of the 2025-2026 academic year, they count as part of your daughter's untaxed income. The FAFSA asks for untaxed income from the prior-prior year (so 2023 for the 2025-2026 FAFSA), but there's a section where you can note special circumstances. As for who should be the contributing parent - since you're the custodial parent providing more support, YOU should be the parent on the FAFSA. The payments she receives are tied to her father's disability status, but that doesn't make him the contributing parent for FAFSA purposes. The contributing parent is determined by who the student lived with most during the 12 months prior to filing the FAFSA. Since that's you, you're the one who should be listed.
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Mila Walker
•Thank you so much for clarifying! So I'll list her disability payments under her untaxed income, not mine, correct? And is there a specific place on the FAFSA where I can note that these payments will end in April 2026? I'm worried colleges will calculate her aid package assuming she'll receive these payments all year.
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Chloe Green
went thru something similar w/ my younger brother last yr. the SSDI payments go on ur daughters section not urs. but heres the annoying part - even tho they end during the yr, FAFSA still counts the full annual amount from 2023 in the calculation. its stupid AF but thats how it works. when u submit the FAFSA youll need to contact each financial aid office seperately to explain the payments r ending. each school handles it diffrent.
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Mila Walker
•Ugh, that's frustrating but good to know. So I'll need to contact each financial aid office separately after submitting the FAFSA? Is there any documentation I should prepare to prove the payments will be ending?
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Lucas Adams
I'm in the exact same situation with my son except his SSA benefits from his dad already ended last summer. When I called the Federal Student Aid number, they told me to report it under the student's untaxed income (Question 92q I think?) and then submit a special circumstances form to each college explaining when the benefits end. You'll need to get a letter from Social Security showing the end date. But I was on hold for nearly 2 HOURS trying to get this info!
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Mila Walker
•2 HOURS?! That's insane. I've already tried calling a few times and couldn't get through at all. I'll keep trying though. Thanks for the tip about getting an official letter from Social Security - I wouldn't have thought of that.
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Harper Hill
•I had to call the FSA help line multiple times last month for a similar SSDI question. Finally used this service called Claimyr (claimyr.com) that holds your place in line and calls you back when an agent is available. Saved me hours of waiting. They have a demo video showing how it works: https://youtu.be/TbC8dZQWYNQ. It was actually worth it to get a real person who could check my specific situation and confirm where to report the benefits.
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Caden Nguyen
This is actually a common question with a clear answer under the 2025-2026 FAFSA guidelines: 1. Disability payments received by your daughter should be reported in question 38 under student untaxed income (not parent section). 2. You are DEFINITELY the contributing parent since you're the custodial parent providing more support. The source of her disability payments is irrelevant to who counts as the parent for FAFSA. 3. You MUST report the full annual amount from the base tax year (2023), but you SHOULD also submit a special circumstances form to each college financial aid office explaining the payments will end during the academic year. 4. Most colleges have a specific process for adjusting the SAI (Student Aid Index) when income changes significantly from the reported year. One more thing - your income of $72,000 is what matters for determining the Parent Contribution portion of the SAI calculation. Your ex's income is completely irrelevant since he's not the custodial parent.
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Mila Walker
•This is SO helpful! Thank you for breaking it down so clearly. I think I was overthinking this because my ex kept insisting he should be the one on the FAFSA since "his disability is paying for her anyway." Glad to know I was right about being the contributing parent.
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Avery Flores
OMG did anyone else notice that the new FAFSA has completely changed how they handle this stuff???? My nephew had disability payments from his mom and when we filled out the FAFSA last month, there was this whole new section about "untaxed income from government programs" that wasn't there before. The whole system is completely different now and NOBODY at my son's high school guidance office even knew how to handle it right!!! This new FAFSA is a NIGHTMARE and the instructions are so confusing!!!
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Logan Scott
•Yes, the 2025-2026 FAFSA has a completely rebuilt interface and different questions than previous versions. The section you're referring to is designed to be more specific about different types of untaxed income. This is actually a good change because it makes it clearer where to report specific types of benefits. The section OP needs is under student untaxed income, specifically the government benefits subsection.
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Zoe Gonzalez
when my daughter was getting benefits from her dads disability we reported it under HER untaxed income on the fafsa. we called the college financial aid office and they told us to write a letter explaining when the benefits would stop. then they adjusted her aid package after they got the letter. just make sure you do this EARLY because once aid is distributed its harder to get more.
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Mila Walker
•That's really good advice about doing it early. How far in advance did you contact the financial aid office? Like, right after submitting the FAFSA or did you wait until she was accepted?
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Zoe Gonzalez
•we did it right after she got accepted but BEFORE she got her aid package. basically as soon as she had a student ID number at each school so they could attach the letter to her file. dont wait till after you get the first aid offer!
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Chloe Green
dont 4get that the new FAFSA also has that confusing SAI number instead of EFC. so when u look at the final number ur like "wtf does this even mean?" my cousins SAI was negative $1500 and we had no clue if that was good or bad lol. turns out negative is good! but nowhere does it actually explain that clearly.
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Mila Walker
•Oh wow, I didn't even know SAI could be negative! So I'm guessing a lower SAI means more aid? The whole system is so confusing.
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Logan Scott
•Yes, that's correct. The SAI (Student Aid Index) replaced the old EFC (Expected Family Contribution). A negative SAI (as low as -$1,500) is better than a positive one, as it indicates higher financial need. The Department of Education made this change to better reflect that the number isn't actually what families are expected to pay but rather an index used in determining aid eligibility.
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Caden Nguyen
One final tip that's really important in your situation: Make sure you understand the verification process. Since your situation involves disability benefits that will change, there's a higher chance your FAFSA might be selected for verification. If that happens, you'll need to provide documentation proving all the income you reported. For disability benefits, that documentation would be: 1. The SSA-1099 form (or benefit statement) showing the annual amount your daughter received 2. The official SSA notice showing when benefits will terminate About 30% of FAFSA applicants get selected for verification, and having unusual circumstances increases those odds. Keep all documentation organized and ready to submit if requested.
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Mila Walker
•I didn't even consider the verification possibility. I'll definitely gather all that documentation now so I'm prepared. Does verification happen immediately after submitting the FAFSA, or could it come later in the process?
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Caden Nguyen
•Verification can happen at different points in the process. Sometimes it's flagged immediately when you submit the FAFSA, but often it happens after your FAFSA information has been sent to schools. Each school has its own verification procedures, so you might be selected for verification at some schools but not others. Just keep those documents handy throughout the entire academic year to be safe.
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