Post # 1
Fiance and I are planning a wedding for next June. However, we’re seriously considering getting legally married in January so when I fill out the FAFSA, I’ll be considered independent. Fiance is in school for paramedic right now but he’ll be done at the end of this school year. He makes okay money, enough to pay his school and the wedding, but since I am unable to find a job, we have an estimated EFC of $0, that’s right NOTHING, when I used the FAFSA forecaster. My parents make too much to get me any aid besides loans, but not enough to help me out much at all. Have any of you ever done this or considered it? And did you get more aid out of it?
We’re still talking it over but I’m curious what other people think. I don’t think we’d tell too many people before the wedding since we’re Christian and won’t really consider ourselves truly married until we say our vows and such, and we won’t be able to live together til June anyway (we’re long distance for the year).
Post # 3
If it helps, why not? Your covenant with God is what matters most and you guy are going to respect it by considering that your true marriage 🙂
My Fiance will still be in college and we are Christians. The financial aid deal unfortunately won’t effect us.
Post # 4
I’m a college bee so I definitely know what you’re talking about. My Fiance and I aren’t going to get married early (our wedding is in 79 days though!), but we are SO looking forward to finally being eligible for financial aid in January. Even though it’ll be mainly my Fiance who gets it…I’ll only be taking like 2 classes since I’m graduating so I won’t get much 🙁
But Fiance makes like 12,000 a year or something. And I don’t have a job. Just scholarships..so we definitely need it!
I say do it. I don’t think it will take away from your “big day” if you aren’t going to live like your married before hand. It’ll be just the same!
Post # 5
@Ms.Pink: We’re in a pretty similar situation. Fiance makes about that too and I make nothing, since the job market is so competitive where my school is. I haven’t even managed to get any scholarships 🙁
I guess you hit on my main concern, that it would take away from that wedding day feeling of standing up and saying “I do”- when you’re already married. I want that special moment so much and yet I could get thousands of dollars and an easy route to a job if we get married sooner, it’s a tough decision.
Post # 6
New question- if Fiance and I do get married early, we would put our individual tax info together, without parents, correct? Even though we were dependent this year when taxes were filed?
Post # 7
Long story short, don’t want to jack the thread, my boss is pretty upset that I’m getting married before I graduate. But f it. I support Fiance and my father, and you want to me to give you the deed to my house, title to my car, 4 utility bills. And some other stuff.. No.
Post # 8
@galloway111: Yes if you are married, you would put your individual information on the returns without your parents.
Post # 9
I’m kinda in a similiar situation. I just quit a good paying full time job to go back to school to get my masters. So, now I dont have health insurance, and I dont want to purchase it from school because its super expensive. I suggested to Fiance that we get married now and not tell anyone (he’s in the military so he has great insurance), but he said no :(. He doesn’t want to do that to his parents etc.
I really don’t see a problem with it, but everyone if different. Do whats best for you as a couple.
Post # 10
@galloway111: Just out of curiosity…how old are you? I am not asking in a snarky way, lol. I believe if you are over 25 (I think) you can claim independent status without being married. I am 27 and in school full time and receive full financial aid because I claim myself as an independent student.
Also, have you thought about Sallie Mae or an independent loan company? The interest rates are a litte higher than government loans but they really aren’t awful.
Post # 11
Something you should be aware- you can wait to submit your FAFSA until you are married and can declare together. I wish I had waited to do this as it could have increased my possible aid. The only problem with this is most schools go by first come first serve- June shouldn’t be too late, I did even submit my FAFSA until late May this year and got all possible aid. Can you talk to your school’s financial aid office to see what they recommend? Mine was rather helpful (if I had read their emails fully that is)
I don’t see a real problem with getting legally married in January and then have a “real” ceremony later if you are not exercising the privileges of marriage until later.
(and Credit Unions tend to offer pretty decent interests rates for what it’s worth)
Post # 12
Oh wow, revived thread! Awesome! lol
@BlissfulMrs: Thing is, neither of us has insurance. So by getting married 4-5 months early, we would have to pay $400+/mo for insurance… still might be worth it though.
@RahlyRah: The independence age is 24, and I’m 20, so that’s a no-go. I’ve been pretty independent from my parents since early high school though, lol. They’re emotionally supportive but can’t be financially.
Actually I just applied for Sallie Mae this weekend. The interest rate was actually pretty high and my mom and I have great credit… sad. That’s the route I’m going for now, until marriage. I don’t want to be in more debt but yeah, that’s the way it is right now.
@Knubbsy-Wubbsy: Is the aid based on the school or based on available government funds? I was always told that later than March was pushing available aid, but maybe they just say that for their own convenience, lol. I’m planning to talk to a financial aid advisor soon, but with school starting and the holiday weekend I’m not sure how soon that will be… hopefully very soon!
Thanks everyone for the advice! We’re still considering anything, but the $0 EFC is definitely appealing right now… haha, who wouldn’t want $6000 free? Paying for college is just too complicated.
Post # 13
@galloway111: Both? You get a set max of federally determined financial aid (stafford loans) and I believe the university has some control beyond that but I’m bit sketchy on the details. Definitely talk to financial aid
Post # 14
@Knubbsy-Wubbsy: I have the max amount of Stafford loans but nothing more. I’ve got a financial aid appointment today, so hopefully I can figure out what to do!
Post # 15
I think you should do it. If you are already planning to get married, then why not? It will help you save tons of money. Honestly, your wedding will still be a very special day – the day your whole family will get together to watch you and your future husband say your vows and share in your love. It will be meaningful regardless of whether you are legally married or not, and you can wait until after you have the ceremony and reception to change your name if you are changing it and all of that. Plus you can sign a personalized wedding contract at the wedding even if you’ve already signed the real thing.
Post # 16
I’m in Canada so I can’t give you advice about the loans situation. But, I am an academic, doing a PhD – and I can tell you that there are like 5/8 people in my lab that are Post-Docs or Assistant prof’s that married for papers. They married so their partners could enter countries with them, and had the big party later.
It’s not THAT big of a deal, especially if you keep it on the DL. If you consider your wedding the day you’re married, and the courthouse day your “loan application marriage” or something like that – then thats your choice! It’s very common to do these types of things to get around gov’t legalities.