How to become an independent student if under 24
Filing the FAFSA as an independent student can greatly benefit your financial aid package. If you support yourself financially, your financial aid should not be reduced based on your parents’ income or assets. But the process for filing as an independent can be tricky for students under 24. Read on to find out what qualifies you as an independent student in the eyes of the FAFSA. We’ll go over all the options for obtaining independent status, and some of the problems students often run into.
Why file the FAFSA as an independent?
The FAFSA collects information about your household’s finances in order to calculate your Expected Family Contribution, or EFC. This number determines your eligibility for financial aid. The FAFSA asks about your parents’ income and assets in order to calculate this figure. But if you support yourself, you may not want your parents’ income to be considered. Its inclusion could create unreasonable expectations for what you can contribute.
So, if your parents’ income will not be used to help you pay for your education, it is natural that you would want to file the FAFSA as an independent student. This will help you get a financial aid package that is more suited to your financial situation. But some students who support themselves may not qualify for independent status. The FAFSA has a strict set of qualifications for independent status.
Don’t miss: Am I a dependent or independent student?
What makes me an independent student on the FAFSA?
Students who are 24 at the time of filing or who turn 24 by December 31 of the award year are automatically considered independent. If you are under 24, you might be considered independent for federal aid purposes if:
- Married or separated but not divorced
- Pursuing a master’s or doctorate degree
- You have children who receive at least half of their financial support from you
- You have dependents who are not your child or spouse but receive at least half of their financial support from you
- Currently serving in the armed forces on active duty, and are not in training
- You are a veteran of the armed forces
- Your parents have passed away
- You have been in foster care, been a ward, or a dependent of the court at any point since turning 13
- Emancipated or in a legal guardianship
- You are an unaccompanied youth who is homeless or self-supporting and at risk of becoming homeless
Related: Do you have to pay back FAFSA money?
What if I don’t meet these requirements?
Unfortunately, students who don’t meet these requirements typically cannot obtain independent FAFSA status. Even if your parents refuse to fill out the FAFSA or are unable or unwilling to contribute financially, the government will still view you as a dependent. This can be a very frustrating situation for students. It makes the already-difficult process of funding your education even more difficult. Here are your options if you don’t meet the requirements:
Students who don’t meet the federal requirements can still file as independents if they get a dependency override. These overrides are granted for extenuating circumstances, but they are extremely rare. Financial aid officers at colleges and universities award dependency overrides. So, students may be given a dependency override at one school, but denied at another.
Dependency overrides are typically given for abusive or unstable household situations or hospitalized or incarcerated parents. They can also be awarded if you are unaware of your parents’ location and are unable to get in touch with them. If you think you may qualify for a dependency override, make sure to start the process early. Don’t count on receiving one until you can confirm that you are accepted.
Looking for other scholarships and financial aid
If your federal financial aid is reduced because you can’t obtain independent status, you can should aggressively apply for external scholarships. Try setting aside an hour or two per day to write applications and find opportunities. If you apply to a wide variety of small and large awards, they will add up and could make college a feasible option for you.
You can start your search by looking through Scholarships360’s scholarship lists. We organize our lists by state, major, and a host of other categories. You can also consult college counselors at your school to learn about scholarship opportunities that cater to students from your area.
Changing your plans
If you are supporting yourself but your parents’ income disqualifies you from federal aid, it may not be financially practical to attend a four-year institution right now. You could try looking into trade schools or certificate programs for the time being. These programs are shorter and less expensive than four-year college. On top of that, they qualify you for jobs that pay a living wage, and allow you to save up to eventually attend a four-year college.
For more information: College alternatives: Bootcamps, apprenticeships, online learning, and more!
Keep your chin up
If you are having trouble financing your education because your parents are unable or unwilling to pay, the situation is probably very disheartening. But remember that there are resources out there for you. Explore all of the options and go at your own pace. If this means going to community college or a trade school for the time being, you can lay out a 1-year, 5-year, and 10-year plan to help ensure that you make it to college. Good luck in your college planning, and make sure to try our scholarship search tool to help finance your education!