Get matched with vetted scholarships and enter our
I’m a high school student I’m a college or graduate student
100% Free. No Spam.
    Start typing in the text field above
    Advertiser disclosure

    Student-centric advice and objective recommendations

    Higher education has never been more confusing or expensive. Our goal is to help you navigate the very big decisions related to higher ed with objective information and expert advice. Each piece of content on the site is original, based on extensive research, and reviewed by multiple editors, including a subject matter expert. This ensures that all of our content is up-to-date, useful, accurate, and thorough.

    Our reviews and recommendations are based on extensive research, testing, and feedback. We may receive commission from links on our website, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. You can find a complete list of our partners here.

    What is the Simplified Needs Test?

    By Kayla Korzekwinski

    Kayla Korzekwinski is a Scholarships360 content writer. She earned her BA from the University of North Carolina at Chapel Hill, where she studied Advertising/PR, Rhetorical Communication, and Anthropology. Kayla has worked on communications for non-profits and student organizations. She loves to write and come up with new ways to express ideas.

    Full Bio

    Learn about our editorial policies

    Reviewed by Annie Trout

    Annie has spent the past 18+ years educating students about college admissions opportunities and coaching them through building a financial aid package. She has worked in college access and college admissions for the Tennessee Higher Education Commission/Tennessee Student Assistance Corporation, Middle Tennessee State University, and Austin Peay State University.

    Full Bio

    Learn about our editorial policies

    Updated: February 6th, 2024
    What is the Simplified Needs Test?

    Notice: The 2024/2025 FAFSA permanently eliminated the Simplified Needs Test–the following information applies to the 2023–2024 FAFSA only.

    The FAFSA Simplified Needs Test is a formula that allows certain students to skip the questions about assets when completing the FAFSA. Students who qualify for the Simplified Needs Test will have assets excluded from the calculation of their Expected Family Contribution. There are certain income and other financial requirements that students must meet, and they vary slightly between dependent and independent students. Continue reading to learn more about the FAFSA Simplified Needs Test!

    Don’t miss: All about FAFSA verification of bank accounts

    What is the Simplified Needs Test?

    Surprise! It’s not like a SAT/ACT test! When completing the Free Application for Federal Student Aid (FAFSA), students are asked to provide financial information about themselves and their family. This information is used to calculate a student’s eligibility for federal financial aid and determine their Expected Family Contribution (EFC). The Simplified Needs Test allows certain students to have assets excluded from the EFC calculation.

    If the FAFSA ever asks you to skip questions, you should always answer “yes.” You should know , however, some states and schools require students to complete the asset information regardless of if they qualify for the Simplified Needs Test. So, if you are attending one of those colleges or are  a resident of one of those states, you will have to provide all of the asset and income information. If you are unsure, remember, you can always update your FAFSA information. Skip the questions on your first submission and if requested by your college, you can add the financial information when asked.  Completing all of the income and asset questions will not disqualify students from using the Simplified Needs Test to obtain their EFC.

    See also: FAFSA 101 guide

    Who qualifies for the Simplified Needs Test?

    There are multiple requirements that students must meet in order to be eligible for the Simplified Needs Test. Requirements vary between dependent and independent students. 

    The income threshold is $50,000 or less. For dependent students, this means their parents’ combined AGI  doesn’t exceed $50,000. Independent student’s, combined with their spouse,AGI’s shouldn’t exceed $50,000. Non-tax filers should use the wages, salary, and tips shown on their W-2 forms if they received those, plus any earnings from work not included on the W-2s.

    See also: Am I a dependent or independent student?

    Simplified Needs Test for students

    In addition to the $50,000 income threshold, to qualify for the simplified needs test the student’s household must qualify for one of the below: 

    • Anyone included in the student’s ’ household (as defined on the FAFSA) received benefits from  Medicaid Program, SSI Program, SNAP, Free and Reduced Price School Lunch Program,TANF Program, WIC


    • For a dependent student: The student’s parents filed an IRS Form 1040, but did not file a Schedule 1, filed a tax form from a Trust Territory, or were not required to file any income tax return
    • For an independent student: The student (and student’s spouse, if married), filed an IRS Form 1040, but did not file a Schedule 1, filed a tax form from a Trust Territory, or were not required to file any income tax return


    • The student’s parent is a dislocated worker or the independent student or independent student’s spouse is a dislocated worker

    See also: What is a dislocated worker on the FAFSA?

    How to use the Simplified Needs Test

    The simplified needs test is not a separate form or “test” the student must submit. The FAFSA website will automatically allow qualifying students to skip the assets questions if they meet the simplified needs test.. Be sure to complete the FAFSA on time to receive as much financial aid as possible!

    3 reasons to join scholarships360

    • Automatic entry to our $10,000 No-Essay Scholarship
    • Personalized matching to thousands of vetted scholarships
    • Quick apply for scholarships exclusive to our platform

    By the way...Scholarships360 is 100% free!

    Join For Free