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One more thing to keep in mind: When you submit your FAFSA this way, your calculated SAI (Student Aid Index, formerly EFC) will be based primarily on your dad's income since your mom had none. This is exactly how the system is designed to work, so don't worry that you're doing anything wrong. The main thing is to be truthful about your current family situation (parents are married) and the 2022 financial information (only dad filed taxes, mom had no income).
I just went through something very similar! My parents got married in late 2022, but my mom hadn't worked or filed taxes that year either. What really helped me was keeping all the documentation organized from the start. Make sure you save screenshots of each page as you complete the FAFSA showing your mom's "Will not file" status and $0 income entries. Also, if your dad's tax return shows your mom as a dependent, keep a copy of that handy too - it actually supports your story if questions come up later. The whole process felt overwhelming at first, but once I submitted it, everything went smoothly. Your school's financial aid office can also be super helpful if you run into any roadblocks - they deal with these situations all the time!
Thank you all for your helpful responses! I feel much clearer now about how to approach this. I'll follow the advice to: 1. File the FAFSA listing myself as the custodial grandparent 2. Include the 2023 Social Security benefits as required 3. After acceptances, contact each financial aid office about a professional judgment review 4. Provide documentation of both the legal custody arrangement and the June 2025 end date for benefits 5. Look into scholarships specifically for students who've lost a parent I really appreciate everyone taking time to explain this complicated situation. It's frustrating that the system makes it so difficult to navigate these non-traditional family situations, but at least we have a clear path forward now.
I'm glad you found all the advice helpful! One additional tip - when you contact the financial aid offices after acceptances, ask specifically about their "Special Circumstances" or "Professional Judgment" process. Some schools have specific forms for this, while others just want a letter and documentation. Getting on their radar early in the process (like January/February) can really help since these reviews take time. Also, don't be discouraged if you have to explain the situation multiple times to different people at each school. Unfortunately, these cases are complex and not every staff member will be familiar with the nuances between custody and guardianship. The key is persistence and good documentation. Your granddaughter is lucky to have you advocating for her through this process!
This is such great additional advice, thank you! I hadn't thought about the timing aspect of contacting schools early in the year. January/February makes sense since that's probably when they're starting to review aid packages anyway. And you're absolutely right about persistence - I've already experienced the confusion with different FAFSA reps giving conflicting information, so I should expect the same at the school level. I'll make sure to keep detailed notes of who I speak with and what they tell me. Really appreciate the encouragement too - navigating all this for her feels overwhelming sometimes, but posts like these make me feel like we can figure it out!
just make sure u keep all ur tax documents n stuff in case they do verification. my sons school asked for like a million forms after we got the $0 SAI. took forever but they eventually confirmed it was right
Congratulations on the $0 SAI! That's actually fantastic news for your daughter. As others have mentioned, the updated FAFSA formula is much more generous, especially for single-parent households. With your income level and household size of 3, this result makes perfect sense. I'd recommend creating a folder to organize all your financial documents (tax returns, bank statements, etc.) in case your daughter gets selected for verification. It happens to about 1 in 4 students, but it's usually routine paperwork rather than an indication of errors. The best part is that this $0 SAI will help her qualify for maximum aid at whatever college she chooses. Many schools use the SAI for their own need-based grants too, so she could receive even more aid beyond the Pell Grant. You should definitely celebrate this outcome rather than worry about it!
Thank you so much for all the encouragement! I'm definitely feeling much better about this now. I'll create that folder with all our documents right away - that's such a practical suggestion. It's amazing to think she might get even more aid from colleges on top of the Pell Grant. I guess I should focus on celebrating instead of panicking! This community has been so helpful in explaining everything.
Great to hear you resolved it! Just a heads-up for the future - once your husband completes his section, make sure your son goes back in to review and finalize the FAFSA. Many students don't realize they need to complete that final submission step after all contributors finish their parts. The 2025-2026 FAFSA won't be considered complete until the student gives that final approval.
So glad to see you got it working! This thread is super helpful - I'm bookmarking it because I have a feeling I'll be dealing with similar issues when my youngest applies next year. The FSA ID system really seems to be a common pain point for families. Thanks to everyone who shared their troubleshooting tips, especially the specific steps about username recovery first then waiting before password reset. It's crazy that both parents have to do separate forms even with joint filing, but at least now I know what to expect!
Yes, definitely bookmark this! I'm new to all this FAFSA stuff since my daughter is just starting to look at colleges, and reading through everyone's experiences here has been so eye-opening. I had no idea both parents needed separate accounts even when filing jointly - that seems like such an unnecessary complication! The technical troubleshooting tips everyone shared are gold. I'm going to make sure we create our FSA IDs well in advance to avoid any last-minute panic like what happened here.
Christopher Morgan
Thanks everyone for the helpful responses! I'm marking December 1st on my calendar and will look for the renewal option. It's good to know I keep my FSA ID but still need to file a new application. And I appreciate the tips about filing early for priority deadlines and using the Professional Judgment process if our financial situation changes. This has been really helpful!
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Nora Brooks
•Glad u got answers! This whole financial aid thing is like a part time job sometimes lol. Good luck with your daughters sophmore year!
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Omar Zaki
Just wanted to add one more thing that might help - when you do fill out the 2025-2026 FAFSA in December, make sure you're on the official studentaid.gov website. There are a lot of scam sites that charge fees for "help" with FAFSA when the real application is completely free. I almost fell for one of those sites my first time around! Also, if you run into technical issues (which unfortunately happen pretty often with the FAFSA website), don't panic - just try again later or early in the morning when there's less traffic on the site.
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Carmen Lopez
•Great point about the scam sites! I actually bookmarked studentaid.gov after filling out the first FAFSA just to make sure I don't accidentally end up on a fake site. And yes, the technical issues are real - I remember the website being super slow during peak times. Thanks for the morning tip, I'll definitely try to log in early rather than evening when everyone else is probably trying to access it too.
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