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Yuki Kobayashi

Recent divorce affecting FAFSA - how to report only my income not ex-husband's?

I'm pulling my hair out trying to figure out this FAFSA mess after my divorce. My ex and I finalized our divorce in March 2024, but we filed our 2023 taxes jointly. I'm the one who's been paying for everything for my daughter since the split (tuition deposits, housing, even her car insurance), but when she fills out the FAFSA, it's pulling our combined income from 2023 which makes her ineligible for grants she would otherwise receive. The system doesn't seem to care that our financial situation has completely changed! How do I get FAFSA to only consider MY income now? Is there some kind of special form or appeal process? She's starting college this fall and we're running out of time to get this fixed.

Carmen Vega

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you need to file a special circumstances appeal with her school's financial aid office. just call them and tell them ur divorced now and they'll tell u what paperwork they need

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Thank you! Do you know what documentation I'll need to provide? The divorce decree obviously, but what about income proof since we filed jointly last year?

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This is a common situation that requires a professional judgment review (sometimes called a special circumstances appeal). Here's what you need to do: 1. Complete the FAFSA as is using the 2023 joint tax return data 2. Contact each college's financial aid office to request their professional judgment process 3. Prepare documentation including: - Divorce decree showing date of March 2024 - Documentation of your current income (recent pay stubs, etc.) - Statement explaining the change in circumstances - Proof you're providing more support (receipts for tuition deposits, etc.) Each school handles these differently, but they have the authority to adjust the FAFSA to reflect only your income. Don't wait - contact them immediately as these reviews take time.

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This is SO helpful, thank you! I didn't realize I should still submit the FAFSA with the joint info first. I've been sitting on it hoping to find a solution. I'll get it submitted today and then reach out to her schools right away.

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Andre Moreau

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went thru this last yr with my son! the financial aid ppl at his school were ZERO help and kept giving me the runaround. took 3 months to get it fixed and almost lost his housing!!!

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Oh no, that's exactly what I'm worried about! Did you eventually get it resolved? What finally worked?

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Andre Moreau

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had to escalate to the director of financial aid office and threatened to contact the dept of education. suddenly they found a "solution" 🙄

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Zoe Stavros

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I went through something similar and found that using Claimyr helped me get through to FSA agents quickly instead of waiting on hold forever. When I had questions about my professional judgment review, I needed to talk to someone at Federal Student Aid but kept getting disconnected. Used their service at claimyr.com and got connected in about 10 minutes. They have a video showing how it works too: https://youtu.be/TbC8dZQWYNQ The FSA agent clarified exactly what documentation was needed for my specific situation so I wasn't wasting time gathering unnecessary paperwork.

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Thanks for the tip! I've tried calling FSA twice already and couldn't get through. I'll check out that service if I need to call again.

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Andre Moreau

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does this actually work? seems sketch to me

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Zoe Stavros

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It worked for me! They just hold your place in line. The FSA rep I spoke with explained exactly what my daughter's school needed to see for the appeal.

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Jamal Harris

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The process you need is officially called "Professional Judgment" under Section 479A of the Higher Education Act. Each school has discretion in how they implement this, but divorce after filing the base tax year is one of the most common reasons for adjustment. You need to complete what's called a "PJ Request Form" or "Special Circumstances Form" from each school's financial aid office. Some important technical details: 1. Your daughter's FAFSA should list her status as "Parents Divorced/Separated" 2. The school will need to see your individual income portion extracted from the joint return 3. Some schools may request a "tax transcript" rather than just the tax return 4. Be prepared to provide W-2s showing your separate income 5. The adjusted SAI calculation will only include the custodial parent (you) Don't focus on grants specifically - the entire SAI (Student Aid Index) will be recalculated based on your income alone, which affects all aid eligibility.

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This is incredibly helpful - thank you for the specific details! I wasn't sure if we should list "Divorced" since technically we were still married during the 2023 tax year. I'll make sure we select that status.

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Jamal Harris

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You're welcome! And yes, definitely select "Divorced" - the FAFSA instructions specify to report your marital status as of the day you complete the form, not the tax year. This is what triggers the review process at most schools.

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Mei Chen

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my ex and i have been divorced for 3 years and FAFSA STILL keeps asking for his information even tho I have 100% custody!!! the system is completely broken and designed to PREVENT students from getting aid they deserve. they make it IMPOSSIBLE on purpose!!!!! 😡

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That shouldn't be happening if you're completing the form correctly. FAFSA only requires information from the custodial parent (and current spouse if remarried). If you've been providing only your information and indicating divorced status but the system still asks for your ex's information, there may be an error in how you're completing a specific section. The parent with whom the student lived more during the 12 months prior to filing is considered the custodial parent for FAFSA purposes.

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Liam Sullivan

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I had this same problem when I divorced my husband in 2023! The school told me I needed to file the FAFSA with the 2022 info, then file an appeal. Here's what I learned: 1. The financial aid offices need a LOT of documentation - they asked for bank statements, utility bills (to prove where my daughter and I were living), and even mortgage statements 2. Every school handles this differently - one was super easy and just needed the divorce decree, another put us through the wringer for months 3. My daughter's SAI went down by almost 10,000 points after the adjustment, which made her eligible for a Pell Grant she wouldn't have received otherwise Don't get discouraged if the first person you talk to seems confused - ask specifically for someone who handles "professional judgment reviews for divorce situations" - the regular front-line staff often don't know the process well.

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This is so helpful to hear from someone who's been through it! Did you have to provide proof of your individual income, and if so, how did you do that since you filed jointly in the prior year?

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Liam Sullivan

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Yes! I had to give them my W-2s from 2022 which showed my individual income separate from our joint return. I also had to fill out a form estimating my income for 2023. They compared my 2022 W-2 to the joint return to verify everything. Definitely gather all your W-2s from 2023!

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Carmen Vega

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why dont u just wait til next year when ur taxes are separate? thats what my cousin did

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Jamal Harris

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That's not a good strategy. The 2024-2025 FAFSA uses 2022 tax information, and the 2025-2026 FAFSA will use 2023 tax information (when they were still married). By the time 2024 tax information would be used, the student would be in their junior year. They'd miss out on potentially thousands in aid for the first two years of college.

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Amara Okafor

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I work at a university financial aid office. Professional Judgment (PJ) is exactly what you need. One tip: when you submit the documentation, include a cover letter that clearly lists all the documents you're providing and briefly explains each one. We get hundreds of these requests and the ones that are well-organized get processed much faster. Also, call the financial aid office first to ask if they have specific forms - some schools have dedicated divorce situation forms while others use a general special circumstances form.

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This insider tip is really helpful! I'll definitely create a cover letter with everything clearly listed. Is there anything specific that tends to hold up these reviews that I should be careful about?

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Amara Okafor

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The biggest delays come from incomplete documentation. Make sure you have: 1. Legal proof of divorce with the date clearly visible 2. YOUR W-2s from 2023 (not just the joint tax return) 3. Current pay stubs (last 3 months if possible) 4. Documentation of any child support (even if it's $0) 5. Proof of separate residences Also, follow up by phone one week after submission to make sure they received everything. Many schools won't start reviewing until they have all documents, and they don't always notify you if something's missing.

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Drake

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I went through this exact situation two years ago when my divorce was finalized in January but we had filed jointly for the previous tax year. The key thing that saved us time was being proactive about gathering documentation BEFORE submitting the professional judgment request. Here's what I wish I had known upfront: - Get certified copies of your divorce decree (schools often want originals or certified copies, not just photocopies) - Request your individual wage transcripts from the IRS website (irs.gov) - these show your individual earnings separate from the joint return and schools love these because they're official - If you're receiving or paying child support, get documentation of the exact amounts even if it's informal The timing worked out that my daughter got significantly more aid, including work-study she wouldn't have qualified for otherwise. One school processed it in 2 weeks, another took 6 weeks, so definitely submit to all schools simultaneously. Don't get discouraged by the paperwork - it's absolutely worth the effort and most financial aid offices deal with divorce situations regularly, so you're not asking for anything unusual.

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This is exactly the kind of detailed advice I was hoping to find! The tip about getting individual wage transcripts from the IRS is brilliant - I hadn't thought about that but it makes perfect sense that schools would prefer official documentation. I'm definitely going to get certified copies of the divorce decree too. It's reassuring to hear that this worked out well for you and that the schools processed it relatively quickly. Thank you for taking the time to share all these specific steps!

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Dmitry Petrov

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I'm going through something very similar right now! My divorce was finalized in February 2024 but we also filed jointly for 2023. Reading through all these responses has been incredibly helpful - I had no idea about the professional judgment process or that I needed to submit the FAFSA first with the joint info before appealing. @Yuki Kobayashi - I hope your situation gets resolved quickly! From what everyone is saying, it sounds like the key is being super organized with documentation and contacting multiple schools simultaneously. One question for those who've been through this - did any schools ask for proof of who's been paying the student's expenses? I've been covering everything for my son since we separated but wasn't sure if I need to gather receipts or bank statements showing those payments.

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