Updated: Apr 05, 2023
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The Free Application for Federal Student Aid (FAFSA) is the most important resource for any student seeking financial aid for college. A student’s dependency status is especially critical as it’s a key driver in determining how much aid they’ll qualify for. In many cases, a student will be considered dependent, meaning they will need to provide financial information for one or both of their parents. If a student is considered independent, they will need to provide information about their own financial situation.
First things first: Whether your parents claim you on their taxes has no bearing on your FAFSA dependency status. Though they may seem similar, the two are not connected.
The FAFSA asks a series of 10 questions to determine whether a student is dependent or independent. Not sure of your dependency status? If you answer no to all of the questions below, your status is likely dependent.
A student's dependency status on the FAFSA can affect the amount and types of financial aid available. In most cases, independent students will qualify for more financial aid since their parents' financial information is not taken into account.
See the table below to understand how dependency status affects what forms you need to submit with your FAFSA and eligibility for certain federal loans.
FAFSA dependent student | FAFSA independent students | |
---|---|---|
Required financial information |
|
|
Direct Loan eligibility | Dependent students are eligible, but their loan limits are lower than for independent students. | Independent students are eligible, and their loan limits are higher than for dependent students. |
Direct PLUS Loan eligibility
|
Parents of dependent students can apply for a Parent PLUS Loan to help cover costs. | Independent students are not eligible to take out a Direct Plus Loan for their undergraduate studies. However, they are eligible for grad PLUS loans. |
Parents cannot opt out of claiming you on their tax return to get a larger financial aid package. Even if a student files their taxes separately from their parents, they may still be considered dependent on the FAFSA.
If your parents are married or unmarried yet still living together, use the financial information for both parents on the FAFSA. If your parents are divorced or separated and living apart, provide information on the parent that you lived with the most during the past 12 months. If you split time equally between two households, the parent who provided the most financial support during the last 12 months will need to include their information on the FAFSA.
For a variety of reasons, parents occasionally refuse to provide information to complete the FAFSA, but this does not mean the student is independent. Students should check the box on the FAFSA that says they don't have access to their parents' information, and talk with the financial aid offices for each school they’re applying to about their options. There are special circumstances that schools take into consideration, such as incarcerated parents or students who left home because of an abusive situation.
Even if you’re considered dependent on the FAFSA, there may be instances in which you’re unable to provide information about your parents. If this is the case, you can apply for a dependency override, which is a status granted by a school’s financial aid office that allows you to exclude your parents’ information from the FAFSA.
To qualify for a dependency override, you need to meet certain criteria, and have the documentation to back up your claim. Keep in mind each school likely has its own documentation requirements and application process.
Situation | Examples of documents needed |
---|---|
Parents are incarcerated | Jail records, sentence hearings, or an inmate registry |
Parents’ whereabouts are unknown | Police reports, missing person reports, and/or signed letters from a third party (e.g., a landlord, former employer) verifying they don’t know your parents whereabouts |
Homelessness between age 21 and 24 |
Records from homeless shelters and/or signed statements from professionals (e.g., teachers, counselors) who can verify that you’re experiencing homelessness |
History of abuse |
Court records, medical records, child welfare records, police reports, and signed statements from professionals (e.g., former teachers, social workers, counselors) |
Need more help in determining your dependency status? Answer a few questions in this interactive FAFSA assistant to help you get ready to complete the application.
FAFSA® is a registered trademark of the US Department of Education and is not affiliated with Discover® Student Loans.
We are unable to provide tax advice, so please see IRS.gov or ask a tax professional if you have questions.