Will delayed SSN affect college financial aid for US citizen abroad?
My son is a US citizen but we've lived overseas his whole life (currently in Singapore). He's applying to colleges in the US for Fall 2025 and we're working on getting his first Social Security Number, but the embassy said it might not be processed until mid-December. Most of his applications are due December 1st, and I'm worried about how this affects his financial aid chances. Can colleges still consider him for institutional scholarships and need-based aid without an SSN at application time? Or should we ask for deadline extensions? He's not eligible for federal aid anyway since we don't file US taxes (we use the foreign income exclusion), but I don't want him to miss out on college-specific grants and scholarships because of this SSN timing issue.
21 comments


Ruby Garcia
Yes, your son can absolutely still apply for institutional aid without his SSN! Many colleges have processes in place for international students and US citizens abroad. For most institutional aid and merit scholarships, the colleges have their own forms and don't rely on the FAFSA. You should: 1. Contact each college's financial aid office directly and explain the situation 2. Ask if they have a CSS Profile requirement (many private colleges use this instead of FAFSA) 3. Complete all institutional financial aid forms by their deadlines 4. Include a note explaining the SSN is pending 5. Submit his SSN as soon as you receive it Don't delay his applications waiting for the SSN - most colleges will assign a temporary ID number until the SSN arrives.
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Isaiah Thompson
•Thank you so much for this detailed response! We'll definitely reach out to each financial aid office. Do you know if the CSS Profile requires an SSN to submit it? I think several of his schools use that.
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Alexander Evans
my daughter went thru this last year!!! CSS profile will let u submit without SSN but u need to put all 0's i think? the website kept crashing when i tried putting "pending" so i just did 000-00-0000 and it went through fine. you should email all the schools afterward to explain tho
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Isaiah Thompson
•That's so helpful to know! Did any of the schools give your daughter trouble about the placeholder SSN? Did you have to resubmit the CSS Profile once you had her real number?
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Alexander Evans
•nope! we just emailed them her real ssn when it came & they updated it in their system. she still got merit scholarships at 3 schools!
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Evelyn Martinez
I work in college admissions, and I can confirm that institutional aid can absolutely be processed without an SSN initially. However, there are a few important distinctions to understand: 1. For CSS Profile schools: You can use all zeros as a temporary SSN placeholder, but do contact each school's financial aid office to alert them of the situation. 2. For FAFSA: While you mentioned you won't be applying for federal aid, it's worth noting that many institutions use FAFSA information even for their own institutional aid calculations. Without an SSN, you cannot complete the FAFSA, so this could impact some schools' ability to award certain types of institutional aid. 3. Documentation: Be prepared to provide alternative documentation of citizenship status (passport, birth certificate) to verify eligibility for certain types of institutional aid that may be reserved for citizens or permanent residents. 4. Timeline: Once you receive the SSN in December, immediately update all schools and complete any pending financial aid applications. The most important thing is open communication with each financial aid office about your specific situation.
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Benjamin Carter
•Wait, I thought ALL financial aid, even from colleges themselves, needed FAFSA?? My daughter's in the same situation (citizen but no SSN yet) and we weren't even going to apply to US schools because we thought aid was impossible! This changes everything if true!
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Evelyn Martinez
•No, that's a common misconception! Many colleges (especially private ones) offer their own institutional aid completely separate from FAFSA. While FAFSA is required for federal aid (Pell Grants, federal loans, work-study), many schools have their own endowment-funded scholarships and grants that have different requirements. Some use the CSS Profile, others have their own unique financial aid forms. Each school's website should specify their requirements for institutional aid versus federal aid.
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Maya Lewis
lol why dont u just wait for the ssn and then apply for aid later? thats what i did. got my ssn in january and still got scholarships for fall semester
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Isaiah Thompson
•Some schools have priority deadlines for financial aid that align with application deadlines. I'm worried that applying late might mean less money available since some colleges award aid on a first-come, first-served basis. Did you notice any issues with applying for aid after the regular deadlines?
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Maya Lewis
•oh yeah i guess that makes sense. i only applied to state schools so maybe thats why it wasnt a big deal for me. private schools might be different
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Isaac Wright
I've been trying to call Federal Student Aid for WEEKS about a similar situation with my nephew who's a citizen abroad with no SSN yet. IMPOSSIBLE to get through to anyone who knows anything about this special case!! Their phone system is RIDICULOUS - I've been disconnected 8 times and waited 2+ hours only to be told they can't help with my specific question. BEYOND FRUSTRATING!!! This system is NOT designed for anyone with unique circumstances. Why make it so complicated for US citizens who happen to live abroad? It's like they actively try to prevent people from getting aid!
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Lucy Taylor
•I had the same nightmare trying to reach FAFSA about my daughter's unusual citizenship situation. After getting nowhere for weeks, I found this service called Claimyr that got me through to an actual FSA agent in about 20 minutes instead of waiting for hours. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ and their website is claimyr.com. Totally worth it because the agent I spoke with was actually knowledgeable about citizens abroad applying for aid.
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Alexander Evans
btw if ur worried about getting the ssn in time u might wanna check with the embassy again... they told us 6-8 weeks but it took almost 3 months!!!! the whole process is sooo slow for citizens abroad
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Isaiah Thompson
•Oh no, that's concerning. They told us 4-6 weeks, but if it's actually going to be 3 months, we definitely won't have it in time. I'll call and check on the status tomorrow.
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Ruby Garcia
One more important thing - make sure you understand the distinction between various types of financial aid forms: 1. FAFSA: Required for any federal aid (which you said you're not eligible for) 2. CSS Profile: Used by many private colleges for institutional aid 3. International Student Financial Aid Application (ISFAA): Some schools use this for international students and it doesn't require an SSN 4. School-specific forms: Many colleges have their own financial aid applications Even without FAFSA, your son could still qualify for significant institutional aid through these other channels. Just be extremely proactive about communicating with each financial aid office about your situation. They deal with cases like this more often than you might think!
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Isaiah Thompson
•This is extremely helpful! I've been focusing so much on the FAFSA issue that I hadn't even considered the ISFAA option. I'll look into whether any of his schools accept that instead. Thank you!
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Benjamin Carter
My family went through this exact situation last year with my brother. We're Americans living in Dubai, and his SSN came AFTER all the application deadlines. The key was transparency with each school. We contacted financial aid offices directly and explained the situation. Most were very accommodating! One important tip: collect documentation proving your son's citizenship and have it ready to email to financial aid offices. We used his US passport, birth certificate, and a letter explaining our situation. This helped smooth the process considerably. BTW, have you checked if any of his schools award aid to international students? That's actually how my brother got his first scholarship offer - through an international student scholarship before his SSN arrived, since the school initially processed him as an international applicant with US citizenship. Just an option to consider!
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Connor Murphy
why dont you just apply to schools that meet 100% of need regardless? then you dont have to worry about federal aid at all. schools like harvard yale princeton etc give full aid packages without fafsa needed sometimes. my cousin got a full ride at dartmouth and they didnt even use his fafsa cuz of some special international program they have
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Isaiah Thompson
•He's applying to a few of those schools, but admission is so competitive that we need to have backup options too. Most of the schools that meet 100% of need are extremely selective, unfortunately.
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Connor Murphy
•good luck! hope he gets in somewhere good!!
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