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Micah Franklin

Should we complete FAFSA for military-bound son with AA degree as backup plan?

My daughter is in a bit of an unusual situation and I'm not sure what to do about her FAFSA. She's graduating high school this December with both her diploma and an Associate's degree (dual enrollment program). Her main plan is to enlist in the Air Force right after graduation, but we've been pushing her to have a backup plan in case something falls through with her military plans. Should we still fill out the 2025-2026 FAFSA even though she's primarily focused on joining the military? If she doesn't get into the Air Force program she wants, she might end up enrolling for either Spring 2025 or Fall 2025 semester. I've heard the FAFSA process is different now and takes longer to process, so I'm wondering if we should just complete it as a precaution? Or would that be a waste of time if she ends up enlisted?

Ella Harper

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Absolutely complete the FAFSA regardless of her current plans! There's zero downside to filing it, and it leaves all her options open. The new FAFSA takes time to process, and submitting early gives her the best chance at maximum aid if she does end up attending college. Remember, the 2025-2026 FAFSA opens December 1, 2024, and many schools have priority deadlines as early as January/February for the best financial aid packages.

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Thank you! Do you know if having a completed FAFSA would interfere with any military benefits she might get if she does enlist? That's my main concern.

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PrinceJoe

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yes do the fafsa!!!! my son was 100% sure he was going to trade school and last minute decided on community college instead. we hadnt done fafsa and scrambled to get it done in july. missed out on so many grants bc we were late. just do it!!

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Oh wow, that's good to know. Definitely don't want to miss out on potential aid if her plans change last minute.

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I'd suggest filling it out. My daughter was absolutely committed to joining the Navy after high school, filled out zero college applications, and then failed the physical at MEPS due to an old sports injury they discovered. We were completely unprepared for her suddenly needing to attend college and had missed all the financial aid deadlines. It was a NIGHTMARE trying to pull together college plans at the last minute without financial aid. Don't make our mistake!!

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Owen Devar

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Sorry to hear about your daughter's experience. Did you eventually manage to get financial aid sorted out for her? I'm curious because my niece is in a similar situation now (military plans with college backup).

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We did, but only for her sophomore year. Her freshman year was way more expensive than it needed to be because we missed all the institutional scholarship deadlines and grant opportunities. She had to take out larger loans than necessary which still affects her now.

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Daniel Rivera

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As a financial aid advisor, I strongly recommend completing the FAFSA as insurance. There are a few important factors to consider: 1. The FAFSA application is valid for the entire academic year, so even if your daughter enlists and then changes her mind months later, the application remains active 2. Having an AA degree actually affects her SAI (Student Aid Index, formerly EFC) calculation positively as she'll be considered for higher aid amounts as a third-year student 3. Military plans can sometimes face unexpected delays or changes due to various factors (medical issues, changing recruitment needs, etc.) 4. Some military education benefits actually work in conjunction with FAFSA-based aid, not against it There's no downside to completing it - you don't have to accept any aid offered if she doesn't need it.

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That's really helpful information. I didn't realize the AA degree would count her as a third-year student for financial aid purposes. And good to know we can just decline the aid if she doesn't end up needing it.

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Fill it out!!! My cousin was all set to join Marines but then broke his leg 2 weeks before ship date and got medically disqualified!!! Had to scramble for college and missed out on thousands in financial aid. Better safe than sorry

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Oh no, that's exactly the kind of situation I'm worried about. Definitely don't want her to be without options if something unexpected happens.

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Connor Rupert

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I tried calling Federal Student Aid to ask about this same situation for my son (also military-bound with a possible college backup plan), and I was on hold for TWO HOURS before giving up. Finally used a service called Claimyr (claimyr.com) that got me connected to an agent within 15 minutes. The agent confirmed that filing FAFSA doesn't interfere with military benefits at all and actually recommended doing it as a safety net. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ

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PrinceJoe

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omg thank u for this!!!! been trying to get thru to fafsa for days about my verification issue. gonna try this now

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Oh that's really helpful! I tried calling last week too and couldn't get through. I'll check out that service if I need to speak to someone directly.

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Another thing to consider - if your daughter does enlist and then decides to use her military education benefits later, having FAFSA on file can actually help! Many veterans use both GI Bill AND traditional financial aid. My nephew is doing this now and gets way more support than his battle buddies who only use GI Bill.

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Owen Devar

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This is SO accurate. I work with student veterans and the ones who maximize benefits are those who use BOTH military benefits AND traditional financial aid. The GI Bill covers tuition but FAFSA can provide living expense assistance that makes a huge difference.

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Thank you all for the advice! I'm definitely going to complete the FAFSA now just to be safe. Better to have it and not need it than need it and not have it. We'll plan to submit as soon as it opens in December so we don't miss any priority deadlines if she does end up going to college instead of the Air Force.

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Daniel Rivera

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Great decision! One last tip: make sure you and your daughter both create FSA IDs before December 1st, as that process can sometimes take a few days for verification. That way you'll be ready to submit as soon as the application opens.

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Thanks for that tip! I'll make sure we get the FSA IDs set up ahead of time.

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