Running down to the courthouse for FAFSA???

posted 2 years ago in Beehive
Post # 2
Member
1636 posts
Bumble bee

I havent done FAFSA in a while but are you sure getting married will actually help? I thought it was based on combined income which will go up if married?

In fact I’ve heard of people doing the opposite to help them in the FAFSA…not sure that it ultimately made a difference though considering that college and grad school are so expensive no matter what these days.

Post # 3
Member
3899 posts
Honey bee

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chocolateplease :  these were my thoughts as well.  I would think it would work against you.

Post # 4
Member
3899 posts
Honey bee

I looked it up and it can help if you are under 24 and get married because it no longer takes your parents income into consideration.

Post # 5
Member
1636 posts
Bumble bee

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sharpshooter :  ah, i see… but it will take the spouse’s income instead. Got it. OP should make sure she calculates all that before making any such decision.

The FAFSA is so stupid for requiring parents income for legal adults. I know several ppl who have strained relationships with their parents and it was not possible for them get any real benefit from FAFSA since their parents wouldn’t give them the info about their income. 

Post # 7
Member
1636 posts
Bumble bee

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brideandblue :  hmm i would look into what you could actually get with FAFSA based on the 69k. That is still relatively high.

Post # 8
Member
5542 posts
Bee Keeper
  • Wedding: October 2017

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brideandblue :  when I was about to be a junior in college, my mother and step father flat out refused to give me their tax information (I’m assuming they didn’t file for a while)

I had been kicked out of my home and living with a friends family but still using their information for fafsa when they weren’t even putting a roof over my head

I had to talk to financial aid who sent me to a college attorney. I had to get letters from a therapist who I was seeing, as well as my friends mom, and from someone else I can’t remember, to prove that I was indeed independent.

If they don’t help you with expenses at all, if you’re truly financially independent, go to financial aid and see what you have to do to file as independent.

You would get more with just your income than your married income.

It was a process for me, but I was able to file independent status

Post # 9
Member
2847 posts
Sugar bee
  • Wedding: November 2018

I would look into getting your status changed to independent to file fafsa before getting married at 21. While the lower income is bound to help a little, it won’t help enough for a rushed marriage to be worth it. My parents income was considered the entire time I was in college and even at an income of $65,000 I barely received any assistance and relied on a perkins loan through my university instead. 

Post # 10
Member
5542 posts
Bee Keeper
  • Wedding: October 2017

Were you recieving any fafsa with their income? I think you have to file anyway, but I’m wondering if you qualified for any with their income 

Post # 11
Member
9067 posts
Buzzing Beekeeper

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brideandblue :  I had friends in college in the same boat – parents had money but they were estranged and not paying for a cent of her education or living expenses. She was able to prove that she was independent and exclude their income. That will likely be your best bet because then your fiance’s income won’t be counted against you either. 

Post # 12
Member
5041 posts
Bee Keeper

The FAFSA website has a calculator to estimate your benefits.

But with a combined inco me of 69,000 you likely aren’t qualifying for grants anyway.  The only thing that will likely change between being single and having your parents income used and getting married and using your combined income is the dollar amount of federal loans you will be eligible for.  And if you are only going part time, assuming you are going to a state school and not a private university, the amount you are eligible for could be enough.

Post # 13
Member
3141 posts
Sugar bee
  • Wedding: January 2021

It’s such bullshit that your parents income is what determines how much financial aid you can get. It should be based on how much they’ve specifically put away into an RESP, if anything.

I’m Canadian, but I kind of got screwed over with that. My parents didn’t have super high incomes, but my Dad owns a business and OSAP took his assets into account, so I was hardly eligible for any aid at all and ended up fudning my entire university education on student loands and summer income. Our tuition isn’t nearly as absurd as yours is, but I still had $28,000 in debt by the end of it. 

Post # 14
Member
5542 posts
Bee Keeper
  • Wedding: October 2017

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sboom :  if you can prove you are independent, you can file as independent. When I went through the process, I was told that it was that way because parents would say their children were independent even if they weren’t so they could get more aid

Post # 15
Member
1717 posts
Bumble bee
  • Wedding: September 2018

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Sansa85 :  Here (in Germany) parents are required by federal law to support their adult children through one training (be it uni or whatever else) So I agree it is absolutely iresponsible and wrong for a federal program to require your parents income be counted for aid, but not require parents by law to contribute. One of the many things that p*** me off. 

(btw my parents also refused to submit inome information while I was a student before I moved abroad and it sucked so bad. I think it is so common and it’s a horrible system) 

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