FAFSA for Adult Students vs. Dependent Students: What You Need to Know

FAFSA: Adult Students vs. Dependent Students

FAFSA is required for federal financial aid — but the process and requirements differ depending on whether you’re an independent adult student or a dependent student.

Adult Students (Independent)

▪ There’s no age limit to file FAFSA — adults follow the same process as younger students.
▪ If you’re 24 or older, married, a veteran, have children, or meet other independence criteria, you’re classified as independent.
▪ You’ll report only your own financial info (and your spouse’s, if applicable). Parent info is not required.
▪ Bring: Social Security number, tax returns, W-2s, bank and asset info.
▪ You’re eligible for Pell Grants, federal loans, work-study, and may qualify for grants specifically for adult learners.

Dependent Students (Typically Under 24)

▪ Most students under 24 are considered dependent, even if parents don’t provide financial support.
▪ FAFSA requires both your and your parents’ income and tax info.
▪ Used to calculate your Expected Family Contribution (EFC).
▪ Without parent information, options are limited — though you may still qualify for unsubsidized federal loans.

Key Differences at a Glance

When and How to Apply

▪ FAFSA opens each year around October 1
▪ Apply early at studentaid.gov
▪ Create an FSA ID, gather your documents, and complete the form online.

Final Tip:

Knowing whether you’re classified as independent or dependent is critical — it determines how much aid you may receive and whose financial data you must provide.

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