Is FAFSA Open to Everyone? | FAFSA Eligibility

Each year, millions of students fill out the FAFSA online form to determine their eligibility for federal grants, loans, and work-study programs. However, not everyone is eligible to receive financial aid through FAFSA. The question often arises: is FAFSA open to everyone?

The FAFSA is open to anyone who meets the eligibility requirements outlined by the U.S. Department of Education. Below, we go through what those requirements are and how you can get the most out of applying for financial aid.

What Is FAFSA?

The Free Application for Federal Student Aid (FAFSA) is a form that students in the United States complete to apply for financial aid for college or graduate school. The U.S. Department of Education uses the FAFSA to determine a student's eligibility for various types of financial aid, including federal grants, work-study programs, and loans.

By submitting the FAFSA, students provide details about their financial situation, including income, assets, and family size. The information assesses the family's ability to contribute to educational expenses, helping schools and federal agencies determine how much financial assistance the student may need.

Factors like household income, the number of dependents, and the cost of attendance at the student's chosen school all play a role in this evaluation.

The FAFSA is required for accessing federal financial aid programs like Pell Grants and Federal Direct Loans. Many states and individual colleges also use the FAFSA to distribute state aid, scholarships, and institutional grants.

Completing the form is free and must be submitted annually for each academic year of enrollment. It opens every year on October 1, and early submission is encouraged to maximize financial aid opportunities.

Who Is Eligible for FAFSA?

While FAFSA is accessible to many students, it is not technically open to everyone. Specific eligibility requirements must be met to qualify for federal financial aid.

1. U.S. Citizenship or Eligible Noncitizen Status

One of the most fundamental eligibility requirements for FAFSA is U.S. citizenship or eligible noncitizen status. To qualify for federal aid, you must either:

• be a U.S. citizen
• be an eligible noncitizen, such as a permanent resident (green card holder) or a person with refugee or asylum status

Undocumented students, including those with Deferred Action for Childhood Arrivals (DACA) status, are not eligible for federal financial aid, but they may still qualify for state or institutional aid depending on where they attend school. These students should check with their state and institution for other financial aid opportunities.

2. High School Diploma or Equivalent

To be eligible for FAFSA, students must have a high school diploma, General Educational Development (GED) certificate, or an equivalent. This requirement ensures that students entering higher education have met a basic educational threshold.

Some exceptions apply for students enrolled in certain career pathway programs, but for the majority of students, this is a standard requirement. Without a high school diploma or equivalent, students will not be able to qualify for federal financial aid.

3. Enrollment in an Eligible Program

FAFSA is only available to students who are enrolled or accepted for enrollment in an eligible degree or certificate program at a participating college, university, or vocational school. This means that students taking only non-degree courses, or those who are auditing classes, do not qualify for federal aid.

Students who are pursuing certificates, associate degrees, bachelor's degrees, or higher education degrees (such as master's or PhDs) are eligible for aid as long as their school participates in federal student aid programs.

4. Satisfactory Academic Progress

Once you are enrolled in a degree or certificate program and receiving financial aid, you must maintain satisfactory academic progress (SAP) to remain eligible for FAFSA aid.

Each school has its own criteria for SAP, but it generally includes maintaining a minimum GPA (often around 2.0) and completing a certain percentage of the courses you attempt each semester.

Failure to meet SAP requirements can result in the loss of eligibility for federal financial aid. However, students who fail to maintain SAP may be placed on academic probation or given the option to appeal and regain eligibility.

5. Selective Service Registration (for Male Students)

Male students between the ages of 18 and 25 must register with the Selective Service to be eligible for federal financial aid. Selective Service registration is required for U.S. citizens and eligible noncitizens alike.

Failure to register by the age of 26 could disqualify male students from receiving federal aid. However, students can register easily online or check their registration status to ensure they are in compliance.

Who Is Not Eligible for FAFSA?

While FAFSA is available to a large group of students, certain individuals are not eligible for federal aid.

• Undocumented students: Unless they hold a specific eligible noncitizen status, undocumented students, including those with DACA, do not qualify for federal aid. However, some states and institutions offer scholarships or grants for these students.
• International students: Most international students who are not U.S. citizens or eligible noncitizens cannot apply for FAFSA. They should look for scholarships, institutional aid, or private loans to fund their education.
• Students without a high school diploma or equivalent: Without this qualification, students are not eligible for federal financial aid.
• Students not enrolled in an eligible program: Those taking non-degree courses or attending non-participating schools are not eligible for FAFSA.

How To Apply for FAFSA

If you meet the eligibility criteria, applying for FAFSA is straightforward and free. Here's how the process works.

Gather Required Documents

You will need your Social Security number (or Alien Registration Number if applicable), federal tax returns, W-2s, and other financial documents for yourself and your parents (if you are a dependent student).

Create a Federal Student Aid (FSA) ID

This ID will allow you to access and submit your FAFSA form online. You'll need to create a username and password, so be sure to save this information somewhere you can retrieve it if you forget it.

Complete the FAFSA

You can submit your FAFSA online through the official website. It's important to fill out the form as early as possible since many schools and states award aid on a first-come, first-served basis.

Receive a Student Aid Report

After completing the FAFSA, you'll receive the Student Aid Report (SAR), which provides a detailed overview of their financial data, including the information used to determine their eligibility for federal student aid.

The SAR also includes an estimate of the types of financial aid the student may qualify for, such as grants, loans, or work-study opportunities. It highlights any errors or inconsistencies in the FAFSA submission, allowing students to make corrections if needed.

Additionally, the SAR will list the schools the student selected on their FAFSA, which will also receive this report to help determine the student's financial aid package.

Review Your Financial Aid Award Letter

Each school you apply to will send you an award letter outlining the types and amounts of aid you qualify for. This may include grants, loans, work-study, and any state or institutional aid.

Why You Should Complete FAFSA

Even if you think you won't qualify for need-based aid, it's important to fill out the FAFSA. Many schools and states use FAFSA information to award merit-based scholarships, and federal student loans offer better interest rates and repayment options than private loans.

Filling out the FAFSA opens the door to a wide range of financial aid opportunities and helps reduce the overall cost of education.