Where do I report parent's serious illness on FAFSA special circumstances section?
I'm trying to help my daughter fill out her FAFSA for next year, but my situation has changed dramatically. I was diagnosed with stage 3 lymphoma last month and had to stop working. Our income from 2023 tax returns doesn't reflect our current situation AT ALL. I've looked through the entire FAFSA application but can't find anywhere to explain these special circumstances. Is there a specific section for reporting a parent's illness? Or do we just submit the FAFSA with our outdated income info and then contact each school separately? I'm so worried this will affect her aid calculations since I can't contribute what the FAFSA will think I can. Any advice would be really appreciated!
34 comments


Yuki Kobayashi
I'm sorry to hear about your diagnosis. The FAFSA itself doesn't have a specific section for special circumstances like illness - this is actually handled through a process called "Professional Judgment" that happens AFTER you submit the FAFSA. Here's what you need to do: 1. Complete the FAFSA with the required 2023 tax information even though it doesn't reflect your current situation 2. Immediately contact the financial aid office at EACH school your daughter is applying to 3. Ask about their "Special Circumstances" or "Professional Judgment" process 4. Be prepared to provide documentation of your medical condition and change in income 5. Each school will have their own forms and procedures This is incredibly important because your SAI (Student Aid Index) will be calculated based on the tax info, but schools have the authority to adjust it based on your current circumstances.
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AstroAce
•Thank you so much for explaining this! I was frantically looking for some checkbox or form section on the FAFSA that I thought I was missing. So we just submit with the old income data, and then each school can adjust things? That makes me feel better. Do you know what kind of documentation they typically need? Doctor's letters? Pay stubs showing I'm not working anymore?
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Carmen Vega
my sister had same issue last yr when my dad got hurt at work!! we just did regular fafsa then called all the schools after. most of them sent us special forms to fill out. def worth doing cuz my sis got wayyy more aid after they knew about our situation
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AstroAce
•That's encouraging to hear! Did you have to provide a lot of documentation? I'm trying to prepare everything now so we're ready when we contact the schools.
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Andre Rousseau
You are absolutely right to be concerned about this! The FAFSA will calculate your SAI based on that outdated income information, which could significantly impact your daughter's aid package. In addition to what others have mentioned, here are some specific tips from my experience working in a financial aid office: - Submit the FAFSA as early as possible (October) - Prepare a detailed letter explaining your circumstances with timeline and financial impact - Gather medical documentation (diagnosis letter from doctor, treatment plan) - Get documentation of income change (termination letter, disability approval, recent pay stubs) - Ask for the financial aid officer's direct contact information - Follow up persistently but politely every 2-3 weeks The process is called Professional Judgment, and colleges have significant discretion in these cases. Some schools are more generous than others with adjustments.
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Zoe Stavros
•This is terrible advice. Professional Judgment requests are often DENIED and schools don't have to do ANYTHING. My daughter's college refused to adjust when I lost my job. They said "everyone has hardships" and they "didn't have the budget" to make exceptions!!! The financial aid system is BROKEN and designed to extract maximum $$$.
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Andre Rousseau
•I'm sorry you had that experience, but that's not typical. Most schools do take these situations seriously, especially medical hardships with documentation. It's true they have discretion, but in my 12 years working with financial aid, I've seen most legitimate medical hardships receive adjustments. The key is proper documentation and persistent follow-up.
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Jamal Harris
wait i'm confused... my cousin said there IS a place to put special circumstances in the FAFSA... isn't there a comments section somewhere? or am i thinking of something else?
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Yuki Kobayashi
•You might be thinking of the CSS Profile, which is a different financial aid form used by some private colleges. The CSS Profile does have a section for special circumstances comments. The FAFSA doesn't have such a section - any special circumstances must be addressed directly with each school's financial aid office after submission.
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GalaxyGlider
I went through something similar when my wife got sick during our son's college application process. The most important thing I learned: document EVERYTHING and be persistent. What really worked for us was keeping a phone log of every conversation with financial aid offices. I'd recommend calling each school as soon as you submit the FAFSA to explain your situation. FYI - when I was trying to reach the Federal Student Aid helpline to ask about this same issue, I kept getting disconnected after waiting for hours. I finally used a service called Claimyr (claimyr.com) that held my place in line and called me back when an agent was available. Saved me hours of frustration and I was able to speak directly with someone who confirmed I needed to work with each individual school. They have a video demo at https://youtu.be/TbC8dZQWYNQ that shows how it works. Definitely worth it when you're dealing with health issues and don't have time to waste on hold.
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AstroAce
•Thank you for sharing your experience. I'll definitely look into that service - I don't have the energy to sit on hold for hours right now with everything else going on. Did you find that most schools were understanding about your situation once you got through to them?
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GalaxyGlider
•Yes, most schools were actually very understanding once we got through to the right person. The key was persistence and making sure we were talking to someone who actually had authority to make adjustments. Some frontline staff would just recite policy, but when we asked to speak with a financial aid counselor or director about Professional Judgment, we got better results. And keep good records of who you speak with and when!
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Mei Wong
My daughter just went through this exact situation when I had cancer last year. Here's what I learned: 1) The FAFSA only uses your past tax info. Period. There's no place to explain special circumstances on the form itself. 2) You have to submit supporting documentation to each individual school, and they each have different processes and forms. 3) Get these documents ready now: - Doctor's official diagnosis letter - Statement from your employer about work status/income change - Your most recent pay stubs showing reduced income - Summary of medical bills and costs - Projection of income for the coming year 4) Don't wait until after you get aid offers. Contact schools immediately after FAFSA submission. Some have deadlines for special circumstances appeals.
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AstroAce
•Thank you so much for this detailed list! This is exactly what I needed. I hope your health has improved since last year. Did you find that most schools adjusted your daughter's aid package after providing these documents?
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Mei Wong
•Yes, 4 out of 5 schools increased her aid significantly after reviewing our documentation. The fifth school initially denied our request, but we appealed with additional information and eventually got an adjustment there too. And thank you - I'm doing much better now! I hope your treatment goes well.
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Carmen Vega
ok but real talk - the financial aid ppl at the school my brother goes to said that even with special circumstances they can only help so much. like they have limited funds or something? so don't get your hopes up TOO high. still worth trying tho!!!
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Andre Rousseau
One important detail no one has mentioned: You should also check whether you qualify for any state-specific aid programs that have special provisions for families experiencing medical hardships. Many states have supplemental grants that aren't tied to the federal FAFSA calculation. Your state's higher education agency website will have this information.
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AstroAce
•That's a great suggestion I hadn't thought of! I'll definitely look into state programs as well. Thank you.
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Esmeralda Gómez
I'm so sorry to hear about your diagnosis and what you're going through. As someone who works as a financial aid advisor, I want to reassure you that this situation is more common than you might think, and schools are generally very understanding about medical hardships. A few additional tips that might help: - When you contact schools, ask specifically about their "Special Circumstances Review" or "Professional Judgment Review" process - Some schools have online portals where you can submit documentation, while others prefer email or mail - If your daughter is applying to multiple schools, create a spreadsheet to track which schools you've contacted, what documentation they need, and deadlines - Consider asking about payment plans or additional institutional aid beyond federal aid adjustments Also, don't forget to update your FAFSA if your tax situation changes significantly for 2024 - you may need to file amendments or provide updated information for the following year's aid. The key is being proactive and persistent while providing clear documentation. Most schools want to help students in genuine hardship situations. Wishing you the best with your treatment and your daughter's college journey.
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Zara Malik
•Thank you so much for this comprehensive advice! The spreadsheet idea is brilliant - I can already see how that would help me stay organized when dealing with multiple schools. I'm feeling much more confident about this process now. One quick question: when you mention updating the FAFSA for 2024 tax changes, would that affect aid for the same academic year or just the following year? I want to make sure I understand the timing correctly.
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Lena Müller
I'm really sorry to hear about your diagnosis - that's incredibly tough to deal with while trying to navigate college financial aid. You've gotten excellent advice here already, but I wanted to add one thing that helped us when my mom went through something similar. When you're gathering your documentation, also include a brief personal statement (1-2 pages) that explains not just the medical situation, but the specific financial impact. For example, mention if you have ongoing treatment costs, if you've had to use savings for medical expenses, or if there are any other family members who might need to reduce work to help with care. Financial aid officers see a lot of requests, so painting a complete picture of your family's situation can really help them understand the full scope of the hardship. Also, if you have a social worker or patient advocate at your treatment center, they might be able to help you write this statement or provide additional documentation. Hang in there - most schools really do want to help in situations like this, especially when you're proactive about reaching out. Sending positive thoughts for both your treatment and your daughter's college journey!
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Anna Stewart
•This is such thoughtful advice - the personal statement idea is something I hadn't considered but it makes perfect sense. You're absolutely right that showing the complete financial picture beyond just "lost income" would be helpful. I'm already dealing with mounting medical bills and had to dip into our emergency fund, plus my husband might need to reduce his hours to help with treatments. I'll definitely work on putting together that kind of comprehensive statement. Thank you for the suggestion about patient advocates too - I have a care coordinator I meet with next week and I'll ask if they can help with documentation. It's reassuring to hear from someone whose family went through this successfully!
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Miguel Ortiz
I'm so sorry you're going through this difficult situation. As someone who recently navigated a similar challenge when my spouse was diagnosed with a serious illness, I want to offer some encouragement and practical advice. Everyone here has given you excellent guidance about the Professional Judgment process, but I wanted to add one thing that really helped us: when you contact each school's financial aid office, ask if they have a specific financial aid counselor who specializes in special circumstances or medical hardships. Some larger schools have staff members who are particularly experienced with these cases and can guide you through their specific process more efficiently. Also, don't be discouraged if the first person you speak with seems to just recite standard policies. Ask to speak with a supervisor or senior counselor if needed. Sometimes the frontline staff aren't fully aware of all the options available for special circumstances reviews. One more tip: if your daughter ends up choosing a school and you need to reapply for aid in subsequent years while you're still dealing with ongoing medical issues, keep all your documentation from this first year organized. It will make the process much smoother for renewal if your situation hasn't significantly improved. Thinking of you during your treatment, and I hope everything works out well for both your health and your daughter's education!
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Ethan Anderson
•Thank you for sharing your experience and these practical tips! The idea of asking for a counselor who specializes in medical hardships is really smart - I hadn't thought about that but it makes total sense that some staff would have more experience with these complex cases. I'll definitely keep that in mind when I start making calls. And you're absolutely right about keeping everything organized for future years - I'm already creating a filing system for all the medical and financial documents we're gathering. It's so helpful to hear from people who have successfully navigated this process. I hope your spouse is doing well now, and thank you for the encouragement!
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Javier Morales
I'm so sorry to hear about your diagnosis - that must be incredibly overwhelming on top of trying to navigate the college financial aid process. You've received fantastic advice here, and I want to add my voice of support that this process, while stressful, really can work in your favor. One thing I haven't seen mentioned yet is that you should also ask each school about their timeline for special circumstances reviews. Some schools process these requests very quickly (within 2-3 weeks), while others might take 6-8 weeks or longer. Knowing this upfront can help you plan and follow up appropriately, and it might even factor into your daughter's final school choice if aid packages are similar. Also, when you're preparing your documentation, consider including a letter from your oncologist that specifically mentions your prognosis for returning to work, if that information is available. Financial aid officers often want to understand whether this is a temporary or long-term change in your family's financial situation, as it can affect how they structure the aid adjustment. Finally, don't hesitate to mention if your daughter is considering taking on additional work-study hours or summer employment to help offset the family financial situation. Schools sometimes view this favorably as it shows the family is actively trying to address the circumstances. Wishing you strength during your treatment and hoping the financial aid process goes smoothly for your daughter!
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QuantumQueen
•This is such valuable information about timelines - I hadn't even thought to ask about how long the review process takes at different schools! That's definitely something that could influence decisions if we're waiting months for an answer from one school while others respond quickly. The point about getting a letter from my oncologist regarding return-to-work prognosis is also really insightful. My treatment plan is pretty aggressive and my doctor has already indicated it will likely be at least 6-8 months before I can even consider returning to work, if at all in the same capacity. I should definitely get that documented officially. Thank you for thinking of these details that I wouldn't have considered on my own - it really helps to have guidance from people who understand how these systems actually work!
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Oliver Brown
I'm sending you so much strength during this incredibly difficult time. Dealing with a serious illness while trying to navigate college financial aid is overwhelming, but please know that you're taking all the right steps by asking these questions now. From what I've learned through my own family's experience with financial hardship appeals, the key things that made the biggest difference were: 1. Getting ahead of the process - which you're already doing by asking now 2. Being very specific about dollar amounts in your documentation (lost income, medical expenses, projected costs) 3. Following up regularly but respectfully - I kept a simple calendar reminder to check in every 2 weeks One thing that really helped us was creating a one-page "executive summary" that we attached to all our paperwork. It included the key facts, timeline, and specific dollar impact in bullet points. Financial aid officers review so many cases that having everything clearly summarized at the top seemed to help. Also, if you're comfortable sharing, some schools have emergency aid funds separate from regular financial aid that might bridge any gaps while your Professional Judgment review is being processed. Your daughter is lucky to have a parent who's being so proactive about this. The system isn't perfect, but it does work for families in genuine hardship situations when you know how to navigate it. Focus on your health and let the financial aid offices know they need to step up - that's literally what this process is designed for.
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QuantumLeap
•Thank you so much for this incredibly thoughtful and detailed response! The "executive summary" idea is brilliant - I can see how that would make it so much easier for financial aid officers to quickly understand our situation without having to dig through pages of documentation. I'm definitely going to create one of those. And you're absolutely right about being specific with dollar amounts - I've been thinking in general terms like "lost income" but I should calculate exactly what we're losing monthly and what our medical expenses are projected to be. The tip about emergency aid funds is something I hadn't heard of before either - I'll make sure to ask about that when I contact each school. It's so reassuring to hear from people like you who have successfully navigated this process. Thank you for the encouragement about focusing on my health too - sometimes I feel like I need to handle everything at once, but you're right that this is exactly what these systems are designed for.
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Emma Wilson
I'm so sorry to hear about your diagnosis - what a challenging situation to navigate while trying to help your daughter with college planning. The advice here has been excellent, and I want to add one more perspective as someone who went through this process recently. One thing that really helped us was reaching out to the financial aid offices even BEFORE submitting the FAFSA to give them a heads up about our situation. Some schools appreciated the early notice and were able to fast-track our special circumstances review once we submitted all the required documentation. Also, don't forget about the CSS Profile if your daughter is applying to private schools that require it - unlike the FAFSA, it does have a section where you can briefly explain special circumstances (section ES). While you'll still need to follow up with detailed documentation, at least you can flag the situation there. One last tip: if you're feeling overwhelmed by managing all the school contacts and paperwork while dealing with your treatment, consider asking a trusted family member or friend to help coordinate the communications with financial aid offices. Many schools are willing to speak with a designated representative if you provide written authorization. Thinking of you during this difficult time, and I hope both your treatment and your daughter's financial aid process go smoothly!
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Liam McConnell
•This is such helpful advice about reaching out early - I hadn't considered giving schools a heads up before even submitting the FAFSA, but that makes complete sense! Getting on their radar early could definitely help speed things up later. And thank you for mentioning the CSS Profile section - my daughter is applying to a few private schools that require it, so I'll make sure to use that opportunity to briefly explain our situation there too. The suggestion about having a family member help coordinate is really thoughtful. My sister has already offered to help with various things during my treatment, and this might be a perfect way for her to take some of the administrative burden off my plate. I really appreciate you taking the time to share these practical tips - it's amazing how much this community has helped me feel prepared and less overwhelmed about tackling this process!
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Eloise Kendrick
I'm so sorry to hear about your diagnosis - sending you strength during this incredibly difficult time. As someone who recently went through a similar situation when my husband was diagnosed with a serious illness during our son's junior year, I want to share what worked for us and offer some hope. The advice here has been spot-on about the Professional Judgment process, but I wanted to add a few things that made a real difference for our family: 1. **Timing matters**: We found that contacting schools in January-February (right after FAFSA submission) gave us the best results, as financial aid officers had more time before the busy spring deadline season. 2. **Create a "medical hardship packet"**: We put together a standardized folder with all our documentation that we could easily customize for each school. It included our letter, medical records, employment documentation, and a simple financial comparison showing "before illness" vs "current situation." 3. **Ask about institutional aid**: Beyond adjusting federal aid calculations, many schools have their own emergency funds or hardship grants that aren't widely advertised. We received an additional $3,000 grant from one school's "President's Emergency Fund" that we never would have known about if we hadn't asked. 4. **Appeal if initially denied**: One school initially denied our request, but we provided additional documentation about ongoing treatment costs and they reversed their decision on appeal. The process took about 2 months total, but 4 out of 5 schools significantly increased our aid package. Your daughter's education is important, and schools understand that medical emergencies happen to good families. Focus on your treatment and know that this community is rooting for both of you. You've got this!
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Sean O'Connor
•Thank you so much for sharing your experience and these incredibly detailed tips! The idea of creating a standardized "medical hardship packet" is genius - I can see how that would save so much time and ensure consistency across all the schools. I'm definitely going to put one together. The point about asking specifically about institutional aid and emergency funds is something I hadn't thought of at all - it's encouraging to hear that there might be additional resources beyond just adjusting the federal calculations. And I really appreciate you mentioning that appeals can work even after an initial denial - that gives me hope that persistence really does pay off in this process. The timing advice about January-February contact is also really helpful for planning. It's so reassuring to hear from someone who successfully navigated this with 4 out of 5 schools providing significant increases. Thank you for the encouragement about focusing on treatment too - sometimes I feel guilty not handling everything perfectly, but you're right that schools understand these situations happen to good families. Your support means so much!
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Ravi Sharma
I'm so sorry to hear about your diagnosis - that must be incredibly scary and overwhelming, especially while trying to help your daughter with college applications. You've received amazing advice here, and I want to add my voice of encouragement that this process really can work in your favor. One thing I haven't seen mentioned yet is to ask schools about their typical timeline for issuing revised aid offers after a Professional Judgment review. Some schools can turn these around in 2-3 weeks, while others might take 6-8 weeks or longer. Understanding this upfront can help you plan better and potentially influence your daughter's enrollment decision timeline if she's accepted to multiple schools. Also, when you're gathering documentation, consider including any correspondence about disability benefits if you've applied or plan to apply. Even if those haven't been approved yet, showing that you've initiated that process can help demonstrate the long-term nature of your financial situation change. Finally, don't hesitate to mention this situation in your daughter's scholarship applications too. Many private scholarships have provisions for students whose families are experiencing medical hardships, and it might open doors to additional aid beyond what the colleges provide. You're being such a strong advocate for your daughter during an incredibly difficult time. Focus on your treatment and recovery - the financial aid system has processes in place specifically for situations like yours, and it sounds like you're handling everything exactly right. Sending positive thoughts for your health journey and your daughter's college plans!
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Amina Diallo
•This is such thoughtful advice about asking for specific timelines - I hadn't considered that the processing time could vary so much between schools, but that definitely makes sense and could really impact decision-making if we're waiting months for one school's response. The tip about including disability benefits correspondence is really smart too. I haven't started that process yet but my oncologist mentioned it might be necessary depending on how treatment goes, so I should probably look into that soon. And you're absolutely right about mentioning this in scholarship applications - I've been so focused on the FAFSA and school-specific aid that I hadn't thought about how this situation might actually help with private scholarships. Thank you for pointing out that there are scholarships specifically for families experiencing medical hardships - I'll definitely research those opportunities. I really appreciate your encouragement about being a strong advocate and focusing on treatment. This whole community has been so supportive and given me such practical guidance that I'm feeling much more confident about navigating this process. Thank you!
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