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transfer student from a certificate program and accepts 900 clock hours that the student earned toward its 1,500-hour
program, the student could be eligible for the second-year loan limits if other students in the program are eligible for
second-year loan limits after completing the first 900 hours of the program.
Annu... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 35, "page_label": "36", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Note that for dependent undergraduates, the annual loan limits shown above in Tables 2A and 2B do not provide an
additional unsubsidized loan amount beyond the maximum annual subsidized amount, as is the case with the loan limits
for independent undergraduates and dependent undergraduates whose parents cannot get Direc... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 36, "page_label": "37", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Increased Unsubsidized Annual Loan Limits for Certain Health Professions Students
There are higher annual Direct Unsubsidized Loan limits for some graduate and professional health professions students.
Schools may award the increased unsubsidized amounts to students who are enrolled at least half time in certain health... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 37, "page_label": "38", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Graduate program in Public Health (including Master's and Doctoral
degree programs in Public Health)
Council on Education for Public Health
Doctor of Chiropractic Council on Chiropractic Educa tion, Commission
on Accreditation
Doctoral Degree in Clinical Psychology American Psyc hological Association,
Committee on Accr... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 38, "page_label": "39", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Volume 8, Chapter 4, Table 4: Aggregate Limits for Direct Subsidized Loans and Direct Unsubsidized Loans
Total (Subsidized and
Unsubsidized)
Maximum
Subsidized
Dependent undergraduates (excluding those whose parents can9t get
Direct PLUS Loans)
$31,000 $23,000
Independent undergraduates (and dependent undergraduates wh... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 39, "page_label": "40", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
In some cases, a student who previously received undergraduate and graduate degrees returns to school to complete a
second undergraduate program. Only the loans that the student received for the first undergraduate program are
included in determining the student9s remaining eligibility for loans for the second undergra... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 40, "page_label": "41", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
teacher certification and preparatory coursework and the applicable annual loan limits.)
Higher Aggregate Loan Limit for Certain Health Professions Students
As explained earlier in this chapter, graduate and professional students who are enrolled in certain health professions
programs are eligible for higher annual Dir... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 41, "page_label": "42", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
counted toward the borrower9s aggregate Direct Loan limits.
Effect of a Change in Student Status on Aggregate Loan Limits
In some cases, a student may qualify for higher loan limits but then lose eligibility for the higher limits due to a change in
status. One such situation is when a dependent undergraduate qualifies ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 42, "page_label": "43", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
dependent student annual loan limits, the total loan amounts received would have been $13,500 in Direct
Subsidized Loan funds and $6,000 in Direct Unsubsidized Loan funds ($19,500 combined subsidized and
unsubsidized total).
Because the combined subsidized and unsubsidized loan amount of $32,500 that the student receiv... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 43, "page_label": "44", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Chapter 5
Loan Limit Proration
Proration Overview
The annual maximum loan amount an undergraduate student may receive must be prorated (reduced) when the borrower
is:
Enrolled in a program that is shorter than a full academic year; or
Enrolled in a program that is one academic year or more in length but is in a remaini... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 44, "page_label": "45", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Annual Loan Limit
As explained in Chapter 4 of this volume, for undergraduate students there is a maximum combined annual loan limit for
Direct Subsidized Loans and Direct Unsubsidized Loans, and a maximum portion of that combined annual loan limit that a
student may receive in Direct Subsidized Loans. If the annual lo... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 45, "page_label": "46", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Prorating Loan Limits for Remaining Periods Shorter Than an Academic Year
You must also prorate loan limits for students enrolled in remaining periods of study shorter than an academic year. This
circumstance can occur when a student is enrolled in a program that is one academic year or more in length, but the
remainin... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 46, "page_label": "47", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Graduate Early From a Clock-Hour Program= later in this chapter).
In a standard-term program, or a credit-hour program using SE9W nonstandard terms, a remaining period of
study is considered shorter than an academic year if the remaining period contains fewer terms than the number of terms
covered by the school9s Title... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 47, "page_label": "48", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
A dependent student is enrolled in a two-year credit-hour program offered in standard terms (quarters). The
school defines the academic year for the program as 36 quarter hours and 30 weeks of instructional time
(covering three quarters: fall, winter, and spring).
The student has attended the program for six quarters (... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 48, "page_label": "49", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
A dependent fourth-year undergraduate is enrolled in a program with a defined academic year of 36 quarter
hours and 30 weeks of instructional time, covering three quarters (fall, winter, and spring). The student will attend
the fall and winter quarters, but not the spring quarter, and will graduate at the end of the wi... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 49, "page_label": "50", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
The remaining period of study (two terms) is shorter than an academic year, so the annual loan limit for each loan
must be prorated based on the total number of hours for which the student is enrolled in the fall and spring
quarters.
The prorated loan limit is determined by converting the fraction based on the combined... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 50, "page_label": "51", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Proration of the Annual Loan Limit for Students Who Graduate Early From a Clock-Hour Program
Under the regulations that govern the treatment of Title IV funds when a student withdraws, a student who completes all
the requirements for graduation from a program before completing the days or hours that they were scheduled... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 51, "page_label": "52", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
A dependent student enrolls in a 900 clock-hour program, with the academic year defined as 900 clock hours and
26 weeks of instructional time. The school assumes that the student will complete 900 clock hours.
The combined subsidized and unsubsidized annual loan limit for a dependent first-year undergraduate is $5,500,... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 52, "page_label": "53", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
disbursed)
Reduced Direct
Unsubsidized Loan
Amount
$1,666
($334 reduction from
original amount
disbursed)
Direct Unsubsidized
Loan Adjusted First
Disbursement
$833
(original disbursement
reduced by $167)
Direct Unsubsidized Loan
Adjusted Second
Disbursement
$833
(original disbursement
reduced by $167)
Direct Unsubsidiz... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 53, "page_label": "54", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
school 3 not the student 3 is responsible for returning the excess funds.
Reduced Direct
Subsidized Loan
Amount
$2,000
($500 reduction from
original amount
disbursed)
Direct Subsidized Loan
Adjusted First
Disbursement
$1,000
(original disbursement
reduced by $250)
Direct Subsidized Loan
Adjusted Second
Disbursement
$1,... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 54, "page_label": "55", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Chapter 6
Monitoring Annual Loan Limit Progression
Annual Loan Limit Progression Overview
The academic year (not the award year) is used as the basis for monitoring Direct Loan annual loan limits. That is, a
student may receive up to the applicable annual loan limit each academic year (see Volume 3, Chapter 1 for guida... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 55, "page_label": "56", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
treated as a header to the following fall-spring SAY.
If a term other than the summer term is divided into modules, the modules must be combined with each other or with
other terms and treated as a single standard or nonstandard term (see Volume 3, Chapter 1 for more information on
combining modules). If modules (summe... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 56, "page_label": "57", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
the different types of BBAY. We describe the differences between BBAY 1, BBAY 2, and BBAY 3 in the sections that follow.
BBAY 1 for Credit-Hour Programs With an SAY
If a program is offered in an SAY, you have the option of using a BBAY 1 as an alternative to the SAY for monitoring annual
loan limit progression. As expl... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 57, "page_label": "58", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
student who progressed a grade level each academic year, the student would be eligible for up to the applicable
annual loan limit during each BBAY 1.
Volume 8, Chapter 6, Example 3: BBAY 1 Where the SAY Contains Two Semesters (Student Is Not Enrolled in the
Second Term of the BBAY)
Year 1: SAY or BBAY 1 Year 2: BBAY 1 ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 58, "page_label": "59", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
BBAY 2 for Standard-Term Programs and SE9W Nonstandard Term Programs Without an SAY
If a program with standard terms or SE9W nonstandard terms is not offered in a traditional academic year calendar (SAY),
BBAY 2 must be used. If the program uses semesters or trimesters, a BBAY 2 consists of any two consecutive terms. I... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 59, "page_label": "60", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
regains eligibility for a new annual loan limit. For example, a student who is attending less than full time will take longer
to complete a BBAY 3 than a full-time student. (In contrast, an SAY, BBAY 1, or BBAY 2 ends when the calendar period
associated with the terms in the SAY or BBAY has elapsed, regardless of how m... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 60, "page_label": "61", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
SAY and BBAY Summary
For reference, the table below compares the main features of SAY, BBAY 1, BBAY 2, and BBAY 3 (as discussed in more
detail earlier in the chapter) in a side-by-side format.
Volume 8, Chapter 6: SAY and BBAY Comparison Table
SAY
Used for credit-hour
programs with standard
terms or SE9W nonstandard
te... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 61, "page_label": "62", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
academic years
may not overlap).
Student not required to be
enrolled in first term.
Student must be
enrolled in first term
(may be less than
half time).
May include terms
student does not
attend (except first
term) if student
could have enrolled
at least half time.
Student must be
enrolled in first term
(may be less th... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 62, "page_label": "63", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
new annual loan limit after SAY
(plus summer trailer or header)
calendar period ends.
for new annual loan limit
after BBAY 1 calendar
period ends.
for new annual loan limit
after BBAY 2 calendar
period ends.
new annual loan limit only after
successfully completing clock or
credit hours AND weeks of
instructional time i... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 63, "page_label": "64", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
student to earn that number of credits. For instance, if your school has a baccalaureate program that requires 120
semester hours of work and is typically completed in four academic years, then you might use a standard of 30 hours
completed at each grade level.
Standard Term and SE9W Nonstandard Term Programs: Grade Le... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 64, "page_label": "65", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Clock-Hour, Non-Term Credit Hour, and Non-SE9W Nonstandard Term Programs: Grade Level Progression Occurs Only at
the Beginning of a New BBAY 3
In contrast to standard term and SE9W nonstandard term programs, progression to a higher grade level and the
beginning of a new BBAY 3 for loan limit purposes always happens at ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 65, "page_label": "66", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Chapter 7
Annual Loan Limits for Students Who Transfer or Change Programs
Overview
The Direct Loan annual loan limits apply to an academic year. If a student who received a Direct Loan transfers from one
school to another school, or changes to a different program at the same school, and there is an overlap between the
... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 66, "page_label": "67", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
year, the student9s loan eligibility for the remaining term(s) of the academic year is equal to the difference between the
applicable loan limit for the new program and the loan amount the student received for the prior program within the same
academic year.
Transfer Into a Clock-Hour, Non-Term, or Non-SE9W Nonstandard... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 67, "page_label": "68", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
installments, with the second disbursement made at the calendar midpoint of the abbreviated loan period regardless
of how many clock or credit hours or weeks of instructional time have been completed. The normal payment period
disbursement rules do not apply in this situation.
The next loan period and a new BBAY 3 at t... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 68, "page_label": "69", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Transfers Between Programs at the Same School
Unless a student is considered to remain in the same loan period and payment period (see below), when a student
transfers within the same academic year from one program to a different program at the same school, and the new
program is a clock-hour, non-term, or non-SE9W non... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 69, "page_label": "70", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
ending date of the loan period or the dates of the second and any subsequent disbursements.
New Payment Period and New Loan Period
If the requirements described above are not met, or if they are met but you choose to place a student who transfers from
one program to a different program in a new payment period, you must... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20250605165703Z00'00'", "moddate": "D:20250605165703Z00'00'", "source": "data/raw/The_Direct_Loan_Program.pdf", "total_pages": 71, "page": 70, "page_label": "71", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:43:14.4000... |
Application and Verification Guide
Introduction
This guide is intended for college financial aid administrators and counselors who help students with the financial aid
process4completing the Free Application for Federal Student Aid (FAFSA®) form, verifying information, and making
corrections and other changes to the in... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 0, "page_label": "1", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
Chapter 2: Filling Out the FAFSA
We added a section on signatures which describes the appropriate use of the signature page from the FAFSA Partner
Portal (FPP).
We expanded the <Student Tax Filing Status (19)= section to include subsections on (1) nontax filers, foreign
countries, and international organizations and (2... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 1, "page_label": "2", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
Chapter 1
The Application Process: FAFSA to ISIR
The laws governing the Federal Student Aid (FSA) programs require that a person apply for aid with a form provided by
the U.S. Department of Education (ED, Department) and that no fee be charged for processing it. This form is the Free
Application for Federal Student Aid... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 2, "page_label": "3", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
electronically due to limitations on access to computers and the internet. These applicants can complete a paper (PDF)
FAFSA form designated specifically for incarcerated applicants, available on the Prison Education Programs resource page
of the FSA Knowledge Center.
The mailing address for the Incarcerated Applicant ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 3, "page_label": "4", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
Information Record) will be considered verified. A pending username and password that has not been verified will still
allow the user to access and submit the online FAFSA form and complete other limited actions on StudentAid.gov.
However, the Department will not be able to retrieve federal tax data from the Internal R... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 4, "page_label": "5", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
The FPS also checks the application for possible inconsistencies and mistakes. For instance, if a dependent student
reported the parents9 marital status as married but reported the family size as <2,= the edit checks would catch the
inconsistency. Even when data is inconsistent, the FPS may be able to calculate an SAI ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 5, "page_label": "6", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
Deadlines
The application processing cycle typically lasts 21 months, with the FAFSA form opening on October 1 in the year prior to
the start of the award year. For the 2025-26 application cycle, the online FAFSA opened for beta testing to a limited
population of applicants on October 1, with the form expected to be av... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 6, "page_label": "7", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
Volume 4A 3 Record Layouts (PDF and Excel)
Volume 4B 3 Processing Codes (PDF and Excel)
Volume 5 3 Edits and Rejects (PDF)
Volume 6 3 ISIR Guide (PDF)
Volume 7 3 Comment Codes (PDF)
Volume 8 3 Agency Matches (PDF)
Volume 9 3 Testing and Web Demo System (PDF)
FPS Test ISIR Data Files (ZIP)
FPS/SAIG Technical Support4For... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 7, "page_label": "8", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
Chapter 2
Filling Out the FAFSA Form
This chapter describes the 2025-26 FAFSA form. While the chapter follows the organization of the paper (PDF) FAFSA form
and the ISIR, the guidance applies equally to the online FAFSA. To see how FAFSA data are used to calculate the Student
Aid Index (SAI), refer to Chapter 3.
The ea... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 8, "page_label": "9", "loader_type": "pdf", "load_timestamp": "2025-07-05T11:... |
2. The disclosure of their FTI by the IRS to the Department;
3. The use of their FTI by a Department official to determine an applicant9s eligibility for federal student aid and the
amount for which they are eligible; and
4. The redisclosure of FTI by the Department to an eligible institution, state higher education... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 9, "page_label": "10", "loader_type": "pdf", "load_timestamp": "2025-07-05T11... |
Indicators for Schedules A, B, D, E, F, H
IRS response code
In some limited circumstances, the student or contributor may need to manually provide data if it is unavailable through
the FA-DDX or does not reflect their current personal circumstances. In these cases, manually entered data will be used in
the SAI calculat... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 10, "page_label": "11", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Because the Department matches the student9s name and SSN with the Social Security Administration (SSA), the name on
the FAFSA form should match the one in the SSA9s records (i.e., as it appears on the student9s Social Security card).
Students (except citizens of one of the Freely Associated States 3 see <Account Usern... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 11, "page_label": "12", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
the 2025-26 award year. Students may update the answer to this question if their plans change or they progress to a
higher grade level during the award year.
A student9s grade level is not based on the number of years the student has attended college but on work completed
toward the degree or certificate. For instance,... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 12, "page_label": "13", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
The student was born before January 1, 2002.
From Question 3:
The student is married (not separated) or remarried as of the application date.
From Question 4:
The student is a graduate or professional student during the award year.
From Question 5:
The student is currently serving on active duty in the U.S. armed force... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 13, "page_label": "14", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Persons on active duty in the U.S. Armed Forces (the Army, Navy, Air Force, Marines, Space Force, or Coast Guard) for
purposes other than training are independent.
Veteran of the U.S. Armed Forces
The FAFSA Simplification Act aligns the definition of veteran with the definition used by the U.S. Department of Veterans
A... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 14, "page_label": "15", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
veteran, or will be one by June 30, 2026. Students should provide the financial aid office at their school a copy of their
DD214 (the Certificate of Release or Discharge from active duty, with <Character of Service= as anything but
<dishonorable=). If it shows that the student is a veteran, they can receive aid as an i... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 15, "page_label": "16", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Orphan, Ward of the Court, or in Foster Care
A student who is an orphan 3 both parents are dead 3 when 13 or older is independent even if the student has
subsequently been adopted. Likewise, a student who was, at any time since the age of 13, in foster care or a ward of
the court is independent even if their status cha... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 16, "page_label": "17", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Submission of a court order or official state documentation that the student received federal or state support in
foster care.
A documented phone call, written statement, or verifiable electronic data match from
a state, county, or tribal agency administering a program under part B or E of Title IV of the Social Securi... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 17, "page_label": "18", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
equal the tax filer(s) plus dependents) claimed on an individual9s tax return. Individuals who complete the FAFSA form
online, provide the required consent and approval to retrieve and use IRS FTI, and have their tax data successfully
transferred via the FA-DDX will not be asked to report the size of their family as th... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 18, "page_label": "19", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Examples of eligible noncitizen categories are given in the FAFSA instructions, and a detailed discussion of citizenship
issues can be found in Volume 1 of the FSA Handbook. Only U.S. citizens or certain classes of noncitizens are eligible for
Title IV aid; however, other students can still submit the FAFSA form becaus... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 19, "page_label": "20", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Equivalency Test (HiSET) or the Test Assessing Secondary Completion (TASC), as well as those established by states, for
example, the California High School Proficiency Exam (CHSPE). California considers a passing grade on the CHSPE to be
equivalent to a diploma.
<None of the previous= includes those who have the recogn... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 20, "page_label": "21", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Dependent students who answer <no= to the first to parts of the question will still need to provide answers to questions
about their assets if their parents are required to provide financial information.
Independent students are automatically eligible for a Maximum Pell Grant if they (and their spouse, if married) are ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 21, "page_label": "22", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
wages and business and farm income) only. This may be the same number as your AGI.
Fiscal Year Tax Returns
For a fiscal year (rather than calendar year) tax return, the individual should use information from the return that includes
the greater length of time in 2023. For example, an individual who files a fiscal year ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 22, "page_label": "23", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
benefits (awards, living allowances, and interest accrual payments) except those for health care or childcare.
Employers may help with education costs by paying stipends or reimbursing employees for classes taken. These
benefits count as other financial assistance (or reduce the cost of attendance) even if they aren9t ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 23, "page_label": "24", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
essentially a savings account, and its value as an asset is the current balance of the account.
Coverdell education savings accounts, or ESAs, are another tax-advantaged savings vehicle for college education. They
are treated the same as college savings plans: the current balance is an asset of the account owner.
If di... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 24, "page_label": "25", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
both interest and principal, as described in the discussion of principal only. If the trust is set up so that the interest
accumulates within the trust until it ends, the beneficiary should report the present value of the interest and principal that
they are expected to receive when the trust ends as an asset.
In some ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 25, "page_label": "26", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
The ISIR will only display the federal school code of the receiving school. The information of other schools the student
included on the FAFSA form will not appear except on the FAFSA Submission Summary and on ISIRs sent to state grant
agencies. See Volume 6 of the 2025-26 FAFSA Specification Guide.
Student Consent, Ap... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 26, "page_label": "27", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
This question asks if a 2023 IRS Form 1040 or 1040-NR was (or will be) completed. It also asks about income earned in a
foreign country or if the student spouse filed a tax return in a U.S. territory. See the <Student Tax Filing Status (19)=
question for additional information.
Student Spouse 2023 Tax Return Informatio... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 27, "page_label": "28", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
However, a stepparent who did not adopt the student cannot be the sole parent for determining dependency status. If one
parent dies, the student is still a dependent of the remaining biological or adoptive parent, not the stepparent.
If parents are divorced or never married and not living together, the parent on the FA... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 28, "page_label": "29", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
does not have a Social Security number and is completing their section of the form online, the SSN field will automatically
be blank, based on the information in the StudentAid.gov account. If the parent is completing their section of the form
using the paper (PDF) FAFSA, they should enter all zeros in the SSN field. I... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 29, "page_label": "30", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Received (18)= question for a list of these federal benefits.
Parent Tax Filing Status (37)
This question asks if the parent filed (or will file) a 2023 IRS 1040 or 1040-NR. If the answer is <no=, the parent will be
asked to select one of the following reasons for not filing:
1. The parent filed or will file a tax ret... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 30, "page_label": "31", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
However, there will be instances where manual entry of tax information will be necessary.
This information comes directly from the 2023 federal tax return of the parent9s (and parent9s spouse if married and filed
jointly with their current spouse). See the discussion of tax return data in the <Student 2023 Tax Return I... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 31, "page_label": "32", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
parent spouse or partner contributor section.
Parent Spouse or Partner Identity Information (42)
Like the student, the parent spouse or partner identity information should match what appears on their social security
card. If the parent spouse or partner does not have a Social Security number and is completing their sec... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 32, "page_label": "33", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Preparer Identity Information (47)
First name, last name, and either Social Security number (SSN) or Employer Identification Number (EIN).
Preparer Contact Information (48)
This is the preparer9s affiliation or organization and mailing address.
Preparer Signature (49)
The preparer must sign and date the FAFSA form.
Not... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 33, "page_label": "34", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Chapter 3
Student Aid Index (SAI) and Pell Grant Eligibility
A student may qualify for a Pell Grant in one of three ways:
Maximum Pell Grant (Max Pell)
Minimum Pell Grant (Min Pell)
Calculated Pell Grant, based on SAI (Calculated Pell = Max Pell minus SAI)
The first two paths to Pell Grant eligibility are briefly discu... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 34, "page_label": "35", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
A student who does not qualify for a Maximum Pell Grant or for a calculated Pell Grant because the SAI is too high can still
be eligible for a Minimum Pell Grant if any of the following is true:
Dependent Student
The student9s parent is a single parent and has an AGI less than or equal to 325% of the poverty guideline ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 35, "page_label": "36", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Applicants Exempt From Asset Reporting
A dependent student is exempt from asset reporting if they meet one of the following criteria.
1. The applicant qualifies for a Maximum Pell Grant
2. The applicant9s parents9 2023 combined AGI is less than $60,000 and they do not file a Schedule A, B, D, E, F, or H,
AND
a. They do... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 36, "page_label": "37", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Parents9 available income. The parents9 available income is calculated by subtracting certain allowances from the
parents9 total income. These allowances account for certain nondiscretionary expenses, such as taxes and basic living
expenses. Once a minimum level of support has been offset for those expenses, the formul... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 37, "page_label": "38", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Asset Protection Allowance= in the 2025-26 Student Aid Index (SAI) and Pell Grant Eligibility Guide) from the parents9 net
worth. Discretionary net worth may be less than zero.
Finally, the discretionary net worth is multiplied by the conversion rate of 12% to get the parents9 contribution from
assets, which represents... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 38, "page_label": "39", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Student9s Contribution From Assets
The full formula uses the student9s assets and determines a <contribution from assets.=
First, the student9s net worth is calculated by adding the following assets reported on the FAFSA form.
Cash, savings, checking, time deposits, and money market funds. Use the amount reported on th... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 39, "page_label": "40", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Student9s (and spouse9s) income allowances. The sum of the following allowances reduces the student9s (and
spouse9s) total income:
U.S. income tax paid. Use the amount reported on the FAFSA form.
Student9s (and spouse9s) payroll tax allowance. Use <Table B1: Payroll Tax Allowance= in the 2025-26 Student
Aid Index (SAI)... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 40, "page_label": "41", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
those expenses, the formula assumes that the remaining income is available for discretionary purposes, including paying
for a postsecondary education. The available income can be a negative number.
The student9s (and spouse9s) available income is the sum of the taxable and untaxed income minus amounts reported in
the i... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 41, "page_label": "42", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
from the student9s (and spouse9s) net worth.
Finally, the student9s (and spouse9s) net worth is multiplied by the conversion rate of 7% to get the student9s
contribution from assets. If the contribution from assets is negative, it is set to zero.
SAI Calculation - Independent Student With Dependen ts Other Than a
Spous... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 42, "page_label": "43", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Chapter 4
Verification, Updates, and Corrections
Because students sometimes make errors on their application, there is a process for verifying applications and making
corrections. The FAFSA Processing System (FPS) selects which applications are to be verified, but you also have the
authority to verify additional studen... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 43, "page_label": "44", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Verification Selection and Professional Judgment (PJ)
You must complete verification for a selected student before you exercise professional judgment (PJ) to adjust any values
used to calculate the SAI. But a PJ adjustment does not require you to verify an application not selected for
verification.
Once the Department ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 44, "page_label": "45", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
School-Selected Verification
In some cases, you (the school) may choose to select a student for verification. You must verify any information you have
reason to believe is incorrect on an application. You may also, at your discretion, require a student to verify any FAFSA
information and provide reasonable documentatio... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 45, "page_label": "46", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
A student may move from Verification Tracking Group V1 or V4 to group V5 based on corrections made to their FPS record
or on other information available to the Department. If verification was already completed for the previous group, the
student is only required to verify the V5 information that was not already verifie... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 46, "page_label": "47", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
You can submit verification results by uploading a .CSV file with the data for up to 2,000 students. Each row must contain
only one record and have the following elements, each in their own column:
Applicant9s nine-digit Social Security number;
Last name; and
Verification of identity result numeric code from above.
Ver... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 47, "page_label": "48", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Verification Following Disasters
The Dear Colleague Letter GEN-17-08 gives general guidance for awarding aid in federally declared disasters. It states
that the Secretary will not enforce the verification requirements during the award year for applicants whose records were
lost or destroyed because of a disaster if the... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 48, "page_label": "49", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
must not put the seal of the Department of Education on any verification documents.
The one exception is that schools must use the exact language provided in the <Statement of Educational Purpose= for
students who are placed in verification tracking groups V4 or V5. This does not include the accompanying notary9s
certi... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 49, "page_label": "50", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
applicable item, like the instruction the IRS gives for Form 1040. The annotation must be signed and dated by the filer.
See VI-Q4 on the Program Integrity Questions and Answers 3 Verification.
Income Information for Non-Tax Filers
FAFSA
Information
Acceptable Documentation
Income
Earned from
Work
For an individual who... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 50, "page_label": "51", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
amount of income earned from work, the source of that income, and the reason why the W-2 is not available in a timely
manner.
Family Size
Since family size is based on the number of individuals listed and claimed on the IRS tax return, if transferred directly
from the IRS and used, family size does not need to be verif... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 51, "page_label": "52", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Students must also sign (it must be a <wet= signature) a statement of educational purpose that certifies who they are and
that the federal student aid they may receive will only be used for educational purposes and for the cost of attending the
school for the 2025-26 year. Unlike the other suggested text provided in De... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 52, "page_label": "53", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Item 2023 IRS Form 1040 (or 1040-NR)
AGI Line 11
Income earned from work* Line 1z + Schedule 1: Lines 3 + 6
U.S. income tax paid Line 24
Untaxed portions of IRA distributions (excluding rollovers) Lines 4a minus 4b
Untaxed portions of pensions (excluding rollovers) L ines 5a minus 5b
IRA deductions and payments Schedul... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 53, "page_label": "54", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
posted to FSA9s Knowledge Center. Please stay tuned to the electronic announcement section in the Knowledge Center for
the latest information.
The tax return transcript may show a per computer amount for some tax data that is different from what the filer
reported to the IRS. The per computer amount should be used beca... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 54, "page_label": "55", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Use one of the following methods to figure the individual9s taxes paid:
Tax table (preferred method). Using the IRS Tax Table or Tax Rate Schedule for the appropriate year, calculate
the amount of tax that would have been paid if a separate return had been filed. Use the deductions the individual
could have claimed if ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 55, "page_label": "56", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Students or parents who file an amended return (IRS Form 1040X) and provide consent and approval to retrieve FTI via
the FA-DDX will not have their amended information transferred to the FAFSA form. The IRS will transfer only original tax
information to the FAFSA form via the FA-DDX. However, there is currently no indi... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 56, "page_label": "57", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
entity confirming to the school that the individual who completed the FAFSA form and was selected for verification is the
person signing the Statement of Educational Purpose.
Immigrants and Tax Filing
Immigrants are not exempt from tax filing. The IRS is more concerned whether a person is a resident or nonresident
rath... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 57, "page_label": "58", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
reimburse the appropriate program by the earlier of 60 days after the student9s last day of attendance or the last day of
the award year.
If your school permits provisional FWS employment of students for up to 60 days prior to verification, your school is liable
for any overpayment it can9t recover by adjusting other a... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 58, "page_label": "59", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
However, you cannot update the marital status of an already independent student whose dependency status has not
changed because of their marriage or divorce and who was not selected for verification. In such a case you must select
the student for verification if you want to exercise your discretion to update their mari... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 59, "page_label": "60", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Pell Changes
If FAFSA data changes, recalculate the Pell Grant using the information on the corrected valid FAFSA Submission Summary
or ISIR. You can only pay an increased Pell Grant if you have that output document, and it supports an increased Pell
award.
If the FAFSA data change results in reduced Pell Grant eligibi... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 60, "page_label": "61", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
guidance on returning aid in such situations in Volume 4, Chapter 3 of the FSA Handbook.
After Documentation Is Complete
When you have obtained all necessary verification documents from the student, you should compare them to the FAFSA
Submission Summary or ISIR you are reviewing for payment. If all the student9s infor... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 61, "page_label": "62", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Summary or, if the FPS has the student9s email address, an email with a link to view the student9s updated FAFSA
Submission Summary on the web.
Paper FAFSA Submission Summary. Students who received a paper FAFSA Submission Summary may make
corrections or updates on it, then sign and return it to the FAFSA processor at ... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 62, "page_label": "63", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
Originate or disburse any additional Direct Loans (subsidized, unsubsidized, or PLUS).
The student must repay any FSEOG funds received that year. If the student fails to complete verification within your
school9s established timeframe and if you received any Direct Subsidized Loan funds for the student that you did not... | {"producer": "GPL Ghostscript 10.00.0", "creator": "wkhtmltopdf 0.12.6", "creationdate": "D:20241217172423Z00'00'", "moddate": "D:20241217172423Z00'00'", "source": "data/raw/Applications_and_Verification_Guide.pdf", "total_pages": 76, "page": 63, "page_label": "64", "loader_type": "pdf", "load_timestamp": "2025-07-05T1... |
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