Your classification as a dependent or independent student on the FAFSA® influences how your school determines your financial aid package.
Note: All graduate level students are considered independent students for FAFSA® purposes.
| Areas Which Differ | FAFSA® Dependent Student | FAFSA® Independent Student |
|---|---|---|
| Financial Information Provided |
Your financials, as well as your parent(s)’ will be considered in determining your eligibility for financial aid. |
You will only include financial information for yourself and your spouse (if you’re married). |
| Potential FAFSA Contributors |
|
|
| Direct Stafford Loan Eligibility | Dependent students have lower annual and aggregate borrowing limits in the Direct Stafford Loan program. However, your parent(s) will have the ability to apply for a Direct PLUS loan* to help you cover your college costs. | You are eligible for independent undergraduate loan limits in the Direct Stafford Loan program. |
| Direct PLUS Loan Eligibility | Your parent can apply for a Direct PLUS Loan to help you cover your college costs. | Your parents will not be eligible to borrow a Direct PLUS Loan to help you cover your college costs. You will not be eligible to apply for a Direct PLUS Loan as an undergraduate student. |
*If your parent is denied a Parent PLUS loan, you will become eligible for the independent undergraduate loan limits in the Direct Stafford Loan program. Beginning on July 1, 2026, a child can only receive up to $20,000 in Parent PLUS Loan funds each year, and a maximum of $65,000 in total.
How do you fill out the FAFSA® without parents?
Don’t panic if you are unable to provide the required parental information. The FAFSA® will ask you questions to see if you’re eligible for a dependency override. If you are not eligible for a dependency override, you may be eligible for a professional judgement decision. If you are able to demonstrate that your parent will not support you in any way, you will still be able to submit your FAFSA®. Your dependency status will remain dependent, and you will only be eligible for unsubsidized Direct Loans. You will not be eligible for any other form of federal financial aid.
