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What is the FAFSA Age Limit?

by Bethany Goldszer | Last Updated: January 17, 2023

What is the FAFSA age limit? If you’re planning to attend college, you may be wondering what age you must be to qualify for financial aid. In this blog post, we’ll go over what FAFSA is and why it’s crucial for high school students to know about it. We’ll also cover the FAFSA age limit for financial aid eligibility and what you can do if you need to apply for financial aid before turning 18. By understanding FAFSA, you can take the first steps to secure the financial aid you need to achieve your academic goals.

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Key Takeaways

Table of Contents

What is FAFSA?

The Free Application for Federal Student Aid (FAFSA) is a form that high school students and adults returning to school fill out to apply for financial aid for college. The purpose of FAFSA is to determine a student’s eligibility for various types of financial aid programs, including grants, scholarships, work-study, and loans. By filling out the FAFSA, students can apply for financial assistance from the federal government, as well as from some state governments and colleges and universities.

When completing the FAFSA, you’ll need to give detailed information about your family’s income, assets, and taxes. You’ll also need to provide information about your academic record and the colleges or universities you plan to attend. It’s important to remember that FAFSA considers your financial situation and your family’s financial situation when determining eligibility for financial aid.

Submitting your FAFSA early is critical if you want to increase your chances of getting financial aid. Many financial aid programs have limited funding, so the earlier you submit your FAFSA, the better your chances of getting financial assistance. The FAFSA becomes available on October 1st each year, and the deadline to submit it varies by state and college. So make sure to check the deadlines and plan accordingly to give yourself the best chance of receiving financial aid.

FAFSA Age Limit

fafsa age limit Person reading a paper

No, there is no age limit for FAFSA eligibility. As long as you are a U.S. citizen or eligible non-citizen and are enrolled or planning to enroll in an eligible degree or certificate program at a participating college or university, you can apply for federal financial aid through the FAFSA. However, keep in mind that some types of federal financial aid, such as Pell Grants, are typically awarded to undergraduate students, so older students may have fewer options for aid.

fafsa age limit girl smiling

FAFSA Age: Under 24 years old

If you are under 24 years old, you are typically considered a dependent student for FAFSA purposes, which means that you’ll need to provide information about your parents’ income and assets on the FAFSA application. However, there are certain situations where you may be considered an independent student, such as being married, having children, or being legally emancipated.

FAFSA Age Limit: Over 24 Years Old

If you are over 24 years old, you are automatically considered an independent student for FAFSA purposes and will not need to provide information about your parents’ income and assets. This can be beneficial in terms of eligibility for financial aid since your financial situation will be considered separately from your parents’.

Regardless of your age or classification, it’s important to carefully review the FAFSA eligibility requirements and application instructions to ensure that you’re providing accurate and complete information. This can help maximize your chances of receiving financial aid to support your college education.

FAFSA Age Limit Special Circumstances

Sometimes, students may need to apply for financial aid through FAFSA before they turn 18. If you’re a student, it’s important for you to know about the age limit for FAFSA eligibility and the different situations that can impact your ability to apply for financial aid. In general, until you turn 18, you’re considered dependent on your parents. However, there are some cases where you may be considered independent and can submit a FAFSA application without your parents’ information.

For instance, if you’re living on your own and supporting yourself, you can apply for financial aid as an independent student. If you’ve been legally emancipated, you’re also eligible to apply for financial aid on your own. Similarly, if you have children, you’re automatically considered independent.

Moreover, if your parent or legal guardian is incarcerated or unable to provide financial support, you can also be considered independent and can submit a FAFSA application without their information.

By submitting a FAFSA application, you may be eligible for grants, scholarships, and loans that can help cover the cost of tuition and other school-related expenses. If you’re not sure about your eligibility for financial aid through FAFSA or have questions about the application process, you should talk to your high school counselor or financial aid office. They can help you understand your eligibility and provide guidance to help you make the most of the resources available to you.

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FAFSA Tips for High School Students

Preparing to fill out the FAFSA can be overwhelming, but with proper planning and attention to detail, it can be a straightforward process. Here are some tips to help high school students prepare for filling out the FAFSA application:

  1. Gather all the necessary documents

 Before starting the FAFSA application, make sure that you and your parent/guardian have all the required documents, such as tax returns, bank statements, and social security numbers. You will each need your own copies to complete the application, so make sure that you have enough copies of each document for both you and your parent/guardian. Having all the necessary documents on hand will make the process quicker and easier for both of you.

  1. Create an FSA ID

 When filling out the FAFSA, both you and your parent/guardian will need to create an FSA ID. This is a unique identifier that allows you to sign the FAFSA electronically. It’s important to create an FSA ID early on to save time and make the application process smoother.Another thing to remember is that your FSA ID will be needed for life, so it’s important to keep it in a safe place. This ID will be used for future financial aid applications, so you’ll want to make sure you don’t lose it or forget it. I had a parent store her FSA ID as a contact in her phone. Besides keeping your FSA ID in a safe place, there are other ways to store it securely. One option is to write it down on a piece of paper and store it in a secure location like a safe or lockbox. You could also consider saving it in a password manager, which is a secure digital platform designed to store sensitive information like passwords and usernames.

  1. Double-check all information: It’s important to be accurate and pay attention to detail when filling out the FAFSA. Before submitting the application, make sure to double-check all information, including spellings and numbers.
  2. Submit the FAFSA as early as possible: The sooner you submit the FAFSA, the better your chances of receiving financial aid. Check the FAFSA deadline for your state and college of choice to make sure you submit the application on time.
  3. Seek help if needed: Don’t be afraid to ask for help if you have any questions or uncertainties about the FAFSA application. Reach out to your high school counselor or financial aid office for assistance.

Remember that accuracy is crucial when filling out the FAFSA. Any mistakes or errors can delay the process or even result in the denial of financial aid. So take the time to double-check all information before submitting the application. By following these tips, you can make the FAFSA application process easier and increase your chances of receiving financial aid.

fafsa age limit boy and girl smiling at computer

Frequently Asked Questions: FAFSA Age Limit

What is the age limit for FAFSA eligibility?

There is no age limit for FAFSA eligibility. However, the age of the student can affect their classification as either a dependent or independent student, which can affect the information needed for the FAFSA application.

What is the difference between a dependent and an independent student?

A dependent student is under the age of 24 and typically needs to provide information about their parents’ income and assets on the FAFSA application. An independent student is over the age of 24 or meets certain other criteria, such as being married or having children, and does not need to provide their parents’ financial information.

What if I am under 24 but don't live with my parents or receive financial support from them?

Even if you don’t live with your parents or receive financial support from them, you may still be considered a dependent student for FAFSA purposes and need to provide their financial information. However, there are certain situations where you may be considered an independent student, such as being married or being legally emancipated.

Can I still receive financial aid if I am over 24 years old?

Yes, you can still receive financial aid even if you are over 24 years old. As an independent student, you’ll need to provide information about your own income and assets on the FAFSA application.

What should I do if I'm unsure whether I'm considered a dependent or independent student?

You can use the FAFSA dependency status questionnaire on the FAFSA website to help determine your classification. Additionally, you can contact your school’s financial aid office for guidance on how to complete the FAFSA application accurately and maximize your eligibility for federal student aid.

Conclusion + Next Steps

If you’re a high school student planning to attend college or university, FAFSA can help you get financial aid. Here’s a summary of what we’ve covered in this post:

  1. FAFSA is a tool to help you get financial aid for college or university.
  2. There is an age limit for FAFSA eligibility.
  3. To prepare for the FAFSA application, you should check your eligibility, gather necessary documents, and seek guidance from your school counselor or financial aid office.
  4. Submit the FAFSA application before the deadline to increase your chances of receiving financial aid.

It’s essential to take action and submit your FAFSA application as soon as possible to make your college dreams a reality. Don’t let financial barriers prevent you from achieving your academic goals. By starting the FAFSA application process early and taking advantage of available resources, you can secure the financial aid you need to go to your dream college.

If you have any questions or need help with the application process, complete the contact form. We can guide you through the process and help you get the financial support you need to achieve your academic goals.

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Bethany Goldszer is top college admissions and financial aid expert. She's been featured in HuffPost, USA Today, Newsday, Queens Gazette, and Official Black Wall Street & voted Best of Long Island. Faced with the overwhelming stress of applying, getting admitted to and financing her University of Chicago education, she started Stand Out College Prep LLC in 2012 so that no student or parent would have to go through this process alone. Over the last 15 years, Bethany has worked with over 1,500 students, helping them and their parents get into their top choice colleges and secure more than $20M in financial aid and scholarships. And each year, she continues to help more students stand out in the college admissions process and their parents navigate financial aid and scholarships.