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HRH Mags
Master March 2014

Does being married effect Financial aid for college?

HRH Mags, on May 10, 2012 at 12:17 AM Posted in Etiquette and Advice 0 14

Hey, FH and I are at different stages in schooling but both are attending college. Both of us are receiving financial aid to help cover tuition. FH is also receiving several scholarships. I know the scholarships may differ from school to school but does anyone happen to know if being married effects financial aid? I am a bit afraid if FH or I get a decent paying job how it will effect the others chances for getting need base aid. Anyone know? I am applying for grad school this fall but FH will be working on his undergrad.

14 Comments

Latest activity by Private User, on July 21, 2014 at 10:44 PM
  • Erin
    Super August 2012
    Erin ·
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    I have heard that when you are married you get more financial aid. Especially not having a good job will mean you cant contribute as much to school so you should get more grants.

    Also you get a bigger tax refund when your married and in school.

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  • kristin
    Expert August 2013
    kristin ·
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    Im in Canada so im not much help.sorry

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  • Ms. M
    VIP December 2012
    Ms. M ·
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    Hm, I *think* if you're both students with no major income it wouldn't effect need based aid. It definitely won't effect loans, I already asked FAFSA (loan offers don't change with marital status). We're both graduate students so we're no longer offered aid unfortunately. I would call FAFSA. They're very helpful.

    Here's the #: 1‑800‑433‑3243 (8am-12am Eastern time)

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  • HRH Mags
    Master March 2014
    HRH Mags ·
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    I hope so, that would be nice! I have heard the opposite as well. Thats nice to know about the tax refund though! As an independent student at a state university federal pell grants dont even cover half my tuition as is Smiley tongue

    Thanks M M. I have a hard time trusting financial aid reps but Im hoping if I can get an answer from enough people it might give us a pretty good idea. Smiley smile

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  • Ms. M
    VIP December 2012
    Ms. M ·
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    No problem. I don't trust my school's financial aid reps, but FAFSA has always given me accurate information. It may be hard for them to give you definitive answers though since aid considers so many factors (if you don't have a job yet, you have no way of knowing your combined future income for example). I would think that if one of you has a decent paying job, your aid would be reduced. GL Smiley smile

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  • Emily
    Devoted October 2021
    Emily ·
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    From what I have investigated and have been told is that once you get married you combine your taxes so it's based on tax info. The only way you will get more is if you are a single parent. Your aid will be reduced if combined you guys make too much.

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  • DesertBride
    Super November 2012
    DesertBride ·
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    I've heard the same as MM and Emily. Grants may change with marital status, depending on your combined income. I've also heard that graduate students aren't offered grants, just loans, in case you aren't aware.

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  • M
    Just Said Yes May 2012
    mdanna ·
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    Im not much help

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  • HRH Mags
    Master March 2014
    HRH Mags ·
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    Desert Bride- Is that for Married graduate students or just graduate students in general regarding not being given grants?Funding for education is very limited as s Smiley sad

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  • DesertBride
    Super November 2012
    DesertBride ·
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    My understanding is all grad students. My advice would be to apply to schools that offer internal funding (scholarships/teaching assistantships/research assistantships, etc) or apply for external funding this upcoming fall (NSF graduate research fellowship, etc). Despite your distrust, I think you should call FAFSA like MM recommended. You can always call them multiple times to see if they give you the same information.

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  • HRH Mags
    Master March 2014
    HRH Mags ·
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    Thanks, I'll call fafsa for sure. Good advice thanks desert bride

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  • Mrs. Clark aka Mrs Awesomepants
    Master November 2011
    Mrs. Clark aka Mrs Awesomepants ·
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    Please do not believe the tax refund is bigger. Mine actually went down significantly due to getting married. I have not turned in my new tax return yet to FASFA so I don't know how it will effect my aid.

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  • R
    Just Said Yes November 2010
    Ronnie ·
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    Marriage will usually have a positive impact on your financial aid eligibility if you are under 24 years of age and your spouse does not have high income. This is because you can then claim independent status and your parents' income and assets will not be considered in your financial aid calculations. Your spouse's income, however, will be considered.

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  • P
    Just Said Yes January 2015
    Private User ·
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    Hello. In case anyone stumbles on this looking for answers (like I did), the answer is that your new husband's income is automatically factored in with yours in calculating your financial aid. If he's also a student, then it's probably not an issue, but if he has a full-time job, then his income will likely lower your financial aid offer. However, each offer is individual and decided on by your school's financial aid office.

    ...might seriously wait to get legally hitched because of this!

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