Student Aid Tips for Stressed-Out Seniors and Parents

Dear High School Seniors and Parents,

We see you! You’ve been juggling college tours, scholarship essays, school sports, and maybe even senior pictures—and now here comes Free Application for Federal Student Aid (FAFSA). It feels overwhelming, and the stakes feel high. But take a breath: you’re not alone, and this process doesn’t have to be a nightmare. Here’s a parent-friendly guide to help you navigate the free FAFSA without the stress.

You Don’t Have to Know Everything

FAFSA can feel confusing, especially if it’s your first time through. But you have what it takes! You don’t have to be a financial expert—you just need to gather a few key documents and follow a step-by-step path. FAFSA is how your student accesses federal grants, work-study jobs, and low-interest loans. Many states and colleges use it for scholarships too.

What you’ll need to gather to get started:

• • Your student’s Social Security Number
  • Your Social Security Number (if applying as a parent)
  • Your FSA ID (get it at studentaid.gov/fsa-id)
  • Your most recent federal tax return
  • W-2 forms and any untaxed income records
  • Current balances in checking, savings, and investments

More tips:

• You and your student need separate FSA IDs. Set these up at least 3 days before filing to avoid delays
• Typically, FAFSA opens every October—and many state and college aid programs award funds on a first-come, first-served basis
  • File as early as possible, even if you’re unsure where your child is applying
  • You can list up to 20 schools and add or remove them later
  • File now, finalize your school selection later
• Use the IRS Data Retrieval Tool (DRT)
  • The IRS DRT can automatically import your tax info into FAFSA, reducing errors and stress
  • It doesn’t work if you’re married filing separately
  • Most families benefit from this tool and avoid being flagged for verification
  • Your student might still count as “Dependent”
• Even if your senior has a job or plans to move out, they’ll likely need your income information unless they’re married, over 24, a veteran, or supporting a child
• Don’t assume your income is “too high.” Some schools require FAFSA for merit-based scholarships and work-study eligibility
• Double-Check the Signatures
  • One of the most common reasons FAFSA forms are rejected is missing signatures
  • Student and one parent must sign electronically using their FSA IDs
  • You’ll receive confirmation when it’s submitted correctly. No confirmation email = no FAFSA on file

Still Feeling Overwhelmed?

You’re not failing your kid; you’re doing something brave and unfamiliar for their future. And you don’t have to do it alone:

• Many high schools and libraries host FAFSA help nights
• Visit https://studentaid.gov for guidance and frequently asked questions (FAQs)

Final Encouragement

You’ve raised a senior, that is proof you can tackle tough stuff. FAFSA is just one more step toward helping them launch. And the reward includes access to grants, scholarships, and a shot at financial assistance for education. So, breathe deep, grab that cup of coffee (or tea), and take one section at a time. You’ve got this!