Will my son's part-time job affect his FAFSA eligibility and aid amount?
My son just got accepted to State University for next fall and his FAFSA came back with a decent financial aid package. He's thinking about getting a weekend job at the mall to have some spending money, but I'm worried this might mess up his financial aid. Does anyone know if student employment affects FAFSA calculations? Will he have to report this new income somewhere? I'm especially concerned because his SAI score was right on the edge for qualifying for some grants. Would hate for him to lose thousands in aid just to make a few hundred bucks at the mall. Any advice from parents who've dealt with this before?
23 comments


StarSurfer
my kid works 20hrs at target and it didnt affect anything. they look at prior year taxes not current income
0 coins
Isabella Costa
•That's a relief! So they won't reduce his aid package mid-year if he starts working now?
0 coins
Ravi Malhotra
This is a common concern! For the 2025-2026 FAFSA, they're looking at 2023 tax information, so any job your son gets now won't affect his current financial aid package. The income would potentially impact future aid applications, but there are important details to know: 1. The FAFSA has a student income protection allowance (around $7,600 for dependent students), meaning your son can earn up to that amount with minimal impact on future aid calculations 2. Only about 50% of student income above that threshold is counted in the SAI formula 3. Work-study jobs (if he qualifies) don't count against future aid at all So a part-time mall job is unlikely to significantly impact his aid package, especially if he stays under that income protection threshold.
0 coins
Isabella Costa
•Thank you so much for the detailed explanation! I had no idea about the income protection allowance. That makes me feel much better about him taking the job. Are there any specific forms or reporting we need to do if he starts working?
0 coins
Freya Christensen
Let him get the job! College is expensive even WITH financial aid. My daughter needed spending money and the little bit of income from her campus job didn't hurt her aid at all. Plus employers like seeing work experience when they graduate!!
0 coins
Omar Hassan
The FAFSA system is DESIGNED to discourage students from working!! My son lost $3,800 in grants because he worked too many hours his freshman year and it pushed him over some threshold. Now he's taking out MORE LOANS to cover what the government TOOK AWAY because he was being RESPONSIBLE and WORKING. The whole system is BROKEN and PUNISHES hard-working kids!!!
0 coins
Ravi Malhotra
•I understand your frustration, but there are some important nuances here. The student income protection allowance means students can earn a substantial amount before it affects aid. If your son lost that much aid, he likely earned significantly above the protected amount. Also, for the 2025-2026 FAFSA, they've adjusted some of these thresholds to be more favorable to working students.
0 coins
Chloe Robinson
Working during college is actually beneficial for most students beyond just the immediate income. Research shows that students who work 10-15 hours per week typically have better time management skills and even slightly higher GPAs than non-working students. For FAFSA specifically, there's also the timing factor that many people don't realize. Since the 2025-2026 FAFSA uses 2023 tax information (prior-prior year), any job your son starts now won't affect his aid until the 2026-2027 application. By then, his employment situation might be completely different anyway. I generally recommend students pursue employment opportunities, especially if they can find something in their field of study. The benefits typically outweigh any minor adjustments to future aid calculations.
0 coins
Diego Chavez
•my daughter works at the library on campus and they scheduled her around classes. way better than retail jobs that dont care about exam week!!
0 coins
NeonNebula
Hey there! I had the EXACT same concern last year with my daughter. She wanted to work at Starbucks, and I was worried sick about her losing aid. After hours of trying to reach someone at Federal Student Aid with no luck (constant busy signals and disconnects), I found a service called Claimyr that got me through to an actual FAFSA agent in about 20 minutes. The agent explained that student employment has minimal impact because of the income protection allowance. Such a relief! If you're trying to get specific answers about your son's situation, check out claimyr.com - they have a video demo at https://youtu.be/TbC8dZQWYNQ showing how it works. Saved me so much frustration compared to calling directly.
0 coins
Isabella Costa
•Thanks for the tip! I've been meaning to call and ask about a few things directly but kept putting it off because I heard the wait times were terrible. I'll check this out!
0 coins
Diego Chavez
at my sons school they told us student income under 3800$ per semester doesnt count for nothin on fafsa
0 coins
Chloe Robinson
•This is close, but not exactly accurate. The student income protection allowance is currently around $7,600 for the full year (not per semester). Also, income above that amount doesn't eliminate aid entirely - it just factors into the formula at about 50% of the amount over that threshold.
0 coins
StarSurfer
srry for the confusion i forgot to mention - check if ur school has work study jobs!!! those DEFINITELY dont count for fafsa at all! my kid switched to work study sophmore year and it was way better
0 coins
Isabella Costa
Thank you everyone for the helpful replies! This has really put my mind at ease. I'm going to encourage my son to apply for jobs, but we'll look into work-study options first since those seem safest for aid purposes. And we'll definitely keep track of his earnings to make sure he stays under that protection threshold for next year's FAFSA. Really appreciate all the advice!
0 coins
Jamal Harris
Just wanted to add another perspective as someone who works in financial aid at a community college. The key thing to remember is that FAFSA looks at "base year" income, which is always two years prior to the academic year. So for 2025-2026, they're using 2023 tax info. One tip I always give families: if your son does start working, keep good records of his earnings throughout the year. When it comes time to file the 2026-2027 FAFSA (using 2024 tax info), you'll want to know exactly how much he earned. If he stays under that $7,600 protection allowance, there's essentially no impact on aid. Also, many students don't realize that work-study positions often pay slightly above minimum wage and the hours are guaranteed to work around your class schedule. Definitely worth checking if he qualifies before taking a regular retail job!
0 coins
Yara Elias
•This is incredibly helpful coming from someone who actually works in financial aid! I had no idea that work-study jobs often pay above minimum wage. My son's acceptance letter mentioned he might be eligible for work-study, but I honestly didn't pay much attention to it at the time. Do you know if there's a deadline to apply for those positions, or can students apply throughout the year?
0 coins
Giovanni Rossi
As a parent who went through this exact situation two years ago, I can definitely relate to your concerns! My daughter started working at a local bookstore during her freshman year and I was terrified it would impact her aid package. Here's what I learned: the timing actually works in your favor. Since FAFSA uses prior-prior year tax info, any job your son starts now won't even show up until his junior year FAFSA application. Plus, that $7,600 income protection allowance mentioned by others is really generous - my daughter worked about 15 hours a week and stayed well under that threshold. One thing I wish I'd known earlier: encourage him to save some of those earnings specifically for college expenses. Student assets do count more heavily than parent assets on FAFSA, but if the money is being used for educational costs, it's not sitting in his account when you file the next application. Win-win! The peace of mind knowing he had some spending money without constantly asking us for cash was honestly worth any minor future aid adjustments. Good luck to your son at State University!
0 coins
Mae Bennett
•This is such great practical advice! I never thought about the timing working in our favor like that. The point about saving earnings specifically for college expenses is really smart too - that way the money isn't just sitting there when we file the next FAFSA. It sounds like most parents who've been through this had positive experiences overall. Really appreciate you sharing what you learned from your daughter's situation!
0 coins
CosmicCaptain
As someone who just went through this process with my older daughter, I totally understand your worry! But honestly, you're overthinking it. The income protection allowance gives students a pretty decent buffer, and the fact that FAFSA uses prior-prior year tax info means there's no immediate impact anyway. My daughter worked retail through college and it was one of the best decisions she made. Not only did she have spending money, but she learned time management and responsibility that honestly helped her grades. Plus, having work experience on her resume when she graduated was huge for landing her first job. I'd say go for it! Just keep track of his earnings and maybe aim for work-study positions when they become available since those are even better for financial aid purposes. The benefits of working far outweigh any minor future adjustments to aid calculations.
0 coins
Miguel Castro
•This is exactly what I needed to hear! You're right that I'm probably overthinking it. It's so reassuring to hear from parents who've actually been through this and had positive experiences. The point about work experience helping with job prospects after graduation is something I hadn't even considered - that's a huge bonus on top of the spending money. I think I was just so focused on protecting his current aid package that I wasn't seeing the bigger picture. Thanks for the perspective!
0 coins
Dominique Adams
As a newcomer to this community, I really appreciate reading through all these responses! I'm in a similar situation with my daughter who's starting college in the fall. It's such a relief to see so many parents sharing their positive experiences with student employment. The explanation about the income protection allowance and the timing of FAFSA reporting really helps clarify things. I was also worried about her potentially losing aid, but it sounds like as long as students stay reasonable with their work hours and earnings, the benefits far outweigh any minor impact on future aid calculations. Thanks everyone for sharing your experiences - this thread has been incredibly informative!
0 coins
Amun-Ra Azra
•Welcome to the community, Dominique! I'm also new here and found this thread incredibly reassuring. It's amazing how much clearer everything becomes when you hear from parents who've actually walked this path. The income protection allowance detail was a game-changer for me - I had no idea that buffer existed. Best of luck to your daughter with her college journey!
0 coins