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Liam O'Connor

Will FAFSA distribute equal aid amounts for two siblings in college at once?

I just got my oldest started at State University this year with some decent financial aid (thankfully got a $4,800 Pell Grant and qualified for $5,500 in subsidized/unsubsidized loans). My second kid will be starting college this fall, and I'm wondering how FAFSA handles having two dependents in college simultaneously. Will my second child get roughly the same aid package as my first? Does FAFSA automatically adjust our EFC/SAI since we'll have double the college expenses? Or do they just split the same amount of aid between both kids? I'm trying to budget for fall and really need to understand if I should expect similar aid or if it'll be completely different. Anyone been through this two-kids-in-college scenario recently?

Having kids in college at same time actually helps ur FAFSA! My twins both got more $$ than my oldest did when she was the only one in school

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That's encouraging! Did they get approximately the same amount as each other, or did one qualify for more than the other?

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Your Student Aid Index (SAI) will be significantly lower with two dependents in college at the same time! The FAFSA formula essentially divides your expected family contribution by the number of college students in your household. So if your SAI was $10,000 with one student, it would theoretically become around $5,000 for each student when you have two enrolled simultaneously. This improved SAI means both children will likely qualify for more aid than if they were attending college in different years. However, each school has its own awarding formulas beyond the FAFSA calculation, so the exact aid packages may differ. Also remember that the specific aid amounts will still depend on: 1. Each school's cost of attendance 2. Each child's individual enrollment status (full-time vs part-time) 3. The specific financial aid policies at their chosen institutions

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Thank you for explaining how the SAI gets divided! That makes so much sense now. My second child is going to a slightly more expensive private college - do you think that would result in a better aid package than my first received at the state university?

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Yes, the more expensive private college might offer a better overall aid package! Private schools often have more institutional aid available to help offset their higher costs. Be sure to contact their financial aid office directly - they may offer additional grants or scholarships beyond what the FAFSA calculation shows.

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I went thru this last year and it was a NIGHTMARE!!! The FAFSA website kept crashing when I tried to add my second kid. Then they randomly selected us for verification and we had to send in like 20 extra tax documents. And then one financial aid office calculated things completely different from the other!!! The whole system is SO BROKEN!!! My first kid got decent aid but my second barely got anything even though they were supposed to "divide the family contribution" or whatever. Don't trust what anyone tells you about this process, it's all just random and depends which financial aid officer looks at your application!!!

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omg same!! so frustrating! 😡

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Oh no, I'm sorry you had such a terrible experience! Was there anything specific you wish you had done differently that might have helped the process go more smoothly?

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The multiple-children-in-college adjustment is one of the most beneficial aspects of the FAFSA formula. Your SAI (Student Aid Index) will be divided by the number of family members in college, which typically results in more aid eligibility for each student. However, there's a common misconception that each child will get identical aid packages. In reality: - Each school has different Cost of Attendance figures - Merit scholarships vary by student achievement - Some schools offer better institutional aid than others - The specific programs each student enrolls in may affect available aid For the 2025-2026 FAFSA, make sure you list both children as college students, and verify both schools are receiving your FAFSA data. The Department of Education will automatically apply the multiple-student calculation to your SAI. Also, if you're struggling to reach someone at Federal Student Aid to answer specific questions about your situation, I highly recommend using Claimyr (claimyr.com). They can get you connected to an FSA agent without the typical hours-long wait. I used their service last year and got through in minutes - you can see how it works in their video demo: https://youtu.be/TbC8dZQWYNQ

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Thank you for the detailed explanation and the tip about Claimyr. I've been trying to get through to FSA for days with no luck, so I'll definitely check that service out. I hadn't considered how the different schools might offer varying institutional aid - that's a good point.

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my sister and i were in college at same time and i actually got LESS aid than her even tho we had same fafsa?? turns out her school gave better scholarships than mine did. the fafsa part was the same but the schools decide the final packages

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That's interesting! I hadn't thought about how much the individual schools factor into the final aid amounts. My second child's college is more expensive but also has a larger endowment, so maybe that will balance things out.

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We have triplets all starting college next year (pray for us and our bank account 😅) and I've been researching this extensively. From everything I've found, the FAFSA calculation will significantly reduce our expected contribution since it gets divided by 3. I spoke with a financial aid counselor who explained that while the federal calculation works in our favor, each school handles their institutional aid differently. So while my kids will likely qualify for similar federal aid (Pell Grants, work study, subsidized loans), the college-specific grants and scholarships will vary. My best advice: schedule a personal appointment with each financial aid office to discuss your specific two-students situation. They can often find additional resources once they understand your family circumstances. Also, don't forget to submit the FAFSA as early as possible (October) to maximize aid eligibility!

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Triplets! I can't even imagine planning for that - we found it stressful enough with two kids two years apart. Thanks for the tip about meeting directly with financial aid offices, I'll definitely do that. And good luck with your triplets' college journey!

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my brother got way more pell money than me when we were both in school idk why tho

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did u put both on the same fafsa form? u have to list all the students or it doesn't work right

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Just to follow up on your question about different schools - your second child attending a more expensive private college might actually work out better than you expect. While the FAFSA calculation treats both students similarly, private colleges often: 1. Have more institutional grants and scholarships 2. Meet a higher percentage of demonstrated need 3. May offer preferential packaging (more grants, fewer loans) Make sure to compare the final net cost after all aid is applied rather than just the sticker price. Sometimes the more expensive school becomes the more affordable option after all aid is considered.

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That's so helpful, thank you! I've been stressing about the higher tuition, but if they offer better institutional aid, it might not be as bad as I feared. I'll definitely look at the net costs after all aid rather than the initial prices.

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Just wanted to add one more practical tip from my experience - make sure you update your FAFSA immediately when your second child starts college. Don't wait until the next renewal cycle! I made that mistake and left money on the table for half a semester. You can submit a correction to update the "number of college students in household" field, and both schools should automatically recalculate your aid eligibility. It's worth the extra paperwork to get that SAI adjustment as soon as possible. Also, keep detailed records of both kids' enrollment status since some schools require verification that both are indeed enrolled at least half-time to maintain the multiple-student benefit.

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