What Is the Age Cut-off for FAFSA? How To Qualify

By filling out the Free Application for Federal Student Aid (FAFSA) form online, students in the United States gain access to financial assistance for higher education.

However, many people wonder if there is an age limit for applying for FAFSA and whether non-traditional or older students can access federal financial aid. Below, we explain the eligibility requirements, including whether there's an age cut-off for FAFSA, and how older students can still benefit from financial aid opportunities.

Is There an Age Cut-Off for FAFSA?

The short answer is no�there's no official age cut-off for filling out the FAFSA. Federal financial aid is available to all eligible students, regardless of their age. Whether you're 18 or 80, you can complete the FAFSA form to apply for financial aid as an adult if you meet the eligibility criteria.

This is great news for non-traditional students, adult learners, and individuals who may have taken a break from their education. Whether you're returning to college after years in the workforce, pursuing a second degree, or attending school for the first time later in life, you can still apply for and receive federal financial aid.

Eligibility Requirements for FAFSA

Although there is no age limit, there are several eligibility criteria you must meet to qualify for federal financial aid through FAFSA.

• You must be a U.S. citizen or an eligible noncitizen (such as a permanent resident).
• You must have a high school diploma, General Educational Development (GED) certificate, or a recognized equivalent.
• You must be enrolled or accepted for enrollment in an eligible degree or certificate program at a participating institution.
• You must maintain satisfactory academic progress (SAP) in your program of study, as defined by your school. This typically includes maintaining a minimum GPA and completing a certain percentage of your courses each term.
• If you are male and between the ages of 18 and 25, you must register with the Selective Service to be eligible for financial aid.

What Types of Aid Are Available Through FAFSA?

Completing the FAFSA gives students access to several types of financial aid, which we explain below.

Federal Pell Grants

Federal grants are need-based and do not have to be repaid. Pell Grants are typically awarded to undergraduate students who demonstrate exceptional financial need.

Federal Work-Study

The Federal Work-Study program provides part-time employment opportunities for students with financial need, allowing them to earn money to help cover educational expenses.

Federal Direct Loans

These loans, which include subsidized and unsubsidized options, must be repaid after graduation. The amount you can borrow depends on your financial need, your enrollment status, and your year in school.

PLUS Loans

PLUS loans are available to graduate students and parents of dependent undergraduate students. They can help cover educational costs not met by other forms of aid.

FAFSA for Older Students

Many older students worry that their age will disqualify them from receiving financial aid, but this is not the case. As long as you meet the eligibility requirements, you can apply for aid through FAFSA. Here are a few points to keep in mind if you're an older student.

Independent Status

One of the benefits of being an older student is that you are likely considered an independent student for FAFSA purposes. Independent students are not required to include their parents' financial information when completing the FAFSA, which can sometimes increase the amount of aid for which they are eligible.

Types of Financial Aid

Older students may qualify for the same types of aid as younger students, including Pell Grants, work-study programs, and federal loans. Keep in mind that federal loans must be repaid, but the terms and conditions are often more favorable than those of private loans.

Learn more: Grants for Adults Returning to College

Career Shifts and Continuing Education

Many older students are returning to school to change careers or to advance their current skills. Whether you're pursuing an undergraduate or graduate degree, FAFSA can help make your education more affordable.

Lifelong Learning Opportunities

Lifelong learning is becoming increasingly important in today's rapidly changing job market. With access to federal financial aid, older students can take advantage of continuing education opportunities and adapt to the evolving demands of the workforce.

Myths About Age and FAFSA

There are a few common myths about FAFSA and age that should be cleared up.

Myth 1: Older Students Don't Qualify for Grants or Scholarships

Many people assume that financial aid is only for younger, traditional students. In reality, older students can qualify for grants, scholarships, and other types of aid based on their financial need and academic performance.

Myth 2: Student Loans Aren't Available to Older Students

Student loans are available to anyone who meets the FAFSA eligibility requirements, regardless of age. However, older students should carefully consider their financial situation before taking out loans, especially if they are close to retirement.

Myth 3: Aid Is Only Available for Full-Time Students

Part-time students, including older students, are also eligible for federal financial aid through FAFSA. However, the amount of aid you receive may be prorated based on your enrollment status.