Will my divorced status & ex on disability qualify my daughter for more FAFSA grants?
So I'm trying to figure out the FAFSA situation for my daughter who just started community college this fall. We're in a bit of a complicated situation - I'm divorced and my daughter lives with me full-time. I provide 100% financial support for her education and living expenses. My ex-husband receives disability benefits that just barely cover his own basic needs, so he can't contribute anything toward her education costs. I'm wondering how this situation will affect her financial aid package when we complete the FAFSA? Since I'm the only parent providing support, and my ex literally can't contribute due to being on limited disability income, will this potentially qualify her for more grant money? I really don't want her taking out loans if we can avoid it, but I'm also realistic about what we might need to do. Does anyone know if our specific circumstances (divorce + disability of other parent) might help her SAI calculation and potentially increase her grant eligibility? Or are we looking at loans regardless? Any insights would be super helpful as we navigate this process!
20 comments

Logan Greenburg
The answer is YES this should help her qualify for more grants! When I filled out FAFSA for my son last year, I was in a similar situation (divorced, ex with very limited income). Only YOUR income and assets count on the FAFSA if your daughter lives with you more than 50% of the time. Your ex's disability benefits won't even be factored into the equation at all, which will likely result in a lower SAI (Student Aid Index) for your daughter. Make sure when you file that you indicate you're the custodial parent. This should definitely improve her chances for Pell Grants and other need-based aid. My son qualified for almost $7,500 in grants because of our situation.
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Angelica Smith
AuthorThank you so much for sharing your experience! That's really encouraging to hear. Just to clarify - even though we're divorced, I won't need to include ANY information about my ex's financial situation on the FAFSA? I was worried they might still want his information since he's technically her parent too.
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Charlotte Jones
u might still need 2 prove custody tho. my cousin had to submit court docs showing she was the main parent. make sure u have that stuff ready when u fill out the forms
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Angelica Smith
AuthorGood point - I do have the custody documentation from our divorce showing I have primary physical custody. I'll make sure to have that ready. Did your cousin need to submit those documents with the initial FAFSA application or was it requested later?
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Lucas Bey
I'm going to go against what others are saying here. While it's true that ONLY the custodial parent's information is required on FAFSA, community colleges often don't offer significant institutional aid beyond federal grants. So while your situation will likely qualify her for maximum Pell Grant (around $7,395 for full-time enrollment in 2025-26), that still might not cover all expenses. Also, your income level still matters significantly. If you're making $75,000+ as a single parent, even with the custodial situation, your daughter's SAI might still be too high for maximum grants. Just being divorced with an ex on disability doesn't automatically guarantee maximum aid.
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Angelica Smith
AuthorThis is really helpful perspective - thank you. I make about $63,000 annually, so I'm not sure where that puts us. I guess I was hoping that our specific situation might somehow qualify her for additional grant consideration beyond just the standard calculations.
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Harper Thompson
One thing no one's mentioning is that your daughter might need to go through verification!!! This happened to me and it was a NIGHTMARE. Because my situation was complicated (divorced parents), FAFSA flagged my application for verification and then I had to submit like a million documents to prove everything. It took MONTHS and my financial aid was delayed and I almost couldn't register for classes. Just warning you this might happen with divorced situations.
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Angelica Smith
AuthorOh no, that sounds stressful! Did you eventually get it sorted out? Was there anything specific you wish you'd known before starting the verification process that might have made it easier?
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Harper Thompson
Yeah I did but it took FOREVER. I called the Federal Student Aid number like 50 times and kept getting disconnected or waiting for hours. Total nightmare. I wish I had known about Claimyr.com - my friend used it to get through to a real FSA agent in like 10 minutes when she had verification issues. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ Definitely worth it if you end up stuck in verification hell.
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Charlotte Jones
omg wish i knew about this last yr!!! spent like 3 hrs on hold with fafsa and they hung up on me twice 😡
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Caleb Stark
As someone who works with students in similar situations, I want to clarify a few things: 1) FAFSA simplification for 2025-26 means you'll only report YOUR income if you have primary custody - this is correct 2) Despite what someone said earlier, community colleges DO offer institutional aid beyond federal grants in many cases - check with her specific college's foundation 3) Your ex's disability status itself doesn't directly impact calculations, but the reduced household income from only counting your income will help 4) With $63k income as you mentioned and only supporting 2 people (you and daughter), expect a moderate SAI - probably qualifying for some but not maximum Pell 5) IMPORTANT: If your daughter is in community college, she may qualify for special programs for students from single-parent households - have her visit the financial aid office IN PERSON to ask I'd recommend completing the FAFSA as early as possible (October) and then immediately scheduling an appointment with her college's financial aid office to discuss your specific situation.
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Angelica Smith
AuthorThank you so much for this detailed breakdown! This is exactly the kind of specific information I was hoping for. I'll definitely have her check with the college foundation about additional institutional aid options, and we'll make sure to submit everything in October when the application opens. Really appreciate your expertise!
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Jade O'Malley
AM I THE ONLY ONE who thinks the whole system is RIDICULOUS?? Why should it matter if parents are divorced or disabled or whatever?? College should just be FREE or at least AFFORDABLE without jumping through all these hoops. My nephew had to PROVE his dad was in prison to get more financial aid. Like that's not humiliating enough???
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Hunter Edmunds
I get your frustration, but ranting doesn't help OP with their specific question about maximizing grants in the current system. Yes, the system is flawed, but working within it is the reality for families right now.
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Jade O'Malley
Whatever. I'm just saying documenting all your family trauma for some bureaucrat to decide if you're "poor enough" for education is messed up. But sure, let's just accept the broken system 🙄
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Logan Greenburg
Just wanted to add - make sure your daughter also fills out any CSS Profile if her community college requires it (some do for their institutional scholarships). Unlike FAFSA, CSS sometimes DOES want non-custodial parent info. But you can request a CSS Profile waiver for the non-custodial parent based on your ex's disability situation. Just something to be aware of that caught me by surprise!
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Angelica Smith
AuthorI hadn't even thought about the CSS Profile! I'll check if her college requires it. Is the waiver process difficult? I'm trying to prepare for all the potential paperwork ahead of time.
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Logan Greenburg
The CSS waiver isn't too difficult - you basically explain the situation (no contact, disability prevents financial contribution, etc.) and provide some documentation. In my case, they accepted it without much hassle once I submitted proof of my ex's disability status. But definitely check if her specific community college even requires CSS - many don't!
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Angelica Smith
AuthorThanks for the follow-up! That's reassuring to hear. I'll definitely check with her college first to see if they even require it before worrying about the waiver process.
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Carmen Sanchez
Hey there! I'm new to navigating FAFSA as well, but I wanted to share what I learned when researching for my own situation. One thing that might help is looking into your state's specific grant programs too - many states have additional need-based grants that stack on top of federal aid, and your divorced/single parent status could help you qualify for those as well. Also, I've heard that some community colleges have emergency aid funds or completion grants specifically for students from single-parent households that aren't widely advertised. It might be worth having your daughter ask about these when she meets with financial aid. Every little bit helps when you're trying to avoid loans! Good luck with the FAFSA process - it sounds like you're being really proactive about understanding all your options, which is awesome!
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