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pregnant/married financial aid question!! HELP!?
i got married on jan.4th of this year and i havent changed my last name yet, but i plan to this coming week. im 18 and my husband is 21, were expecting a baby in 5 weeks and the financial aid deadline for our community college is coming up. he makes 12,500 a year. is it possible for me to get financial aid since were married and not making a whole lot, i dont work. the baby is due may 14th and the deadline is may 1st!!! ALSO, do u think u get more money if you have a child or does it just matter about the income?
15 Answers
- 1 decade agoFavorite Answer
You would still be getting a lot of aid. The deadline for financial aid for this year requires your financial information from last year (so whatever you made in 2006). The baby won't be a factor in determining your aid, since it isn't here yet prior to the deadline, unless you file a Special Conditions Appeal to discuss the baby (talk to your financial aid office about this).
If all the income the two of you have together is $12,500 - you will receive a lot of aid (at least from my experience). This will make you eleigible for the pell grant and other possible state grants, as well as your subsidized stafford loan.
Make sure you file your FAFSA. The results should be better than last year, because you are married and now considered an Independent student (you don't have to include parent's info).
Talk to the financial aid counselor at your school for estimates of anticipated aid.
Source(s): Former Financial Aid Processor - 1 decade ago
If you are married OR have dependants OR are over 24 then you are classified as an "Independant" for financial aid. That means you qualify for more financial aid than someone who is unmarried, under 24, and has no kids (a "dependant").
Whether you are independant or dependant makes a big difference in how much you qualify for. If you are a dependant and your parent is turned down for a "PLUS Loan" then you can qualify for more like an independant can. And it also goes by how much money you made on your last year's taxes.
You're married, so you will be classified as an independant. I think from the sounds of things you can totally qualify for financial aid. More than I did too by the sounds of it. Fill out the FAFSA, you can do it online. If you call 1-800-4-FED-AID they can help you with those forms. Your local college can help you with it too. The FAFSA is the Free Application for Federal Student Aid. It doesn't cost anything to do the application, and it will tell you exactly how much help you qualify for. Don't forget: Pell grants don't have to be paid back, and loans do have to be paid back. You don't have to make any student loan payments until 6 months after you graduate, but depending on the type of loans they are, they may still be racking up interest even before you're out of school.
Knowledge is power. School is a good thing. Knowing how financial aid works is also a good thing.
Source(s): I was an admissions rep for a while. My sweetie still is. Before that, he used to staff the call center for the FAFSA hotline. And, I am done with college, was classified as a "dependant" the whole way even though I had my own job & house & life and paid all my own bills. I totally know how this works. I used to have to explain this to students all day, and my boyfriend still does. - 1 decade ago
Go ahead and file your FAFSA. As long as you were married as of the date you file your FAFSA, you do not have to use your parent's info. File that you are married but do not include your child in your household size unless he/she has been born as of the date you file the FAFSA.
Having a child does matter when it comes to the financial aid calculation. Normally, increases in household size increase your eligibility for financial aid. After you have filed the FAFSA and your baby is born, go to the financial aid office at your college, and take proof of your child's birth. Your school may do a special circumstance or select you for verification (or both). Either way, it is to your advantage to have that child in your household size. Your actual eligibility will also be dependent on what your student budget is, but as a rule of thumb with $12,500 in income, you will almost certainly receive grants (free money that doesn't have to be paid back).
Good Luck in school!!!
- 1 decade ago
Yes you are eligible for financial aid. I am married with 2 children and my husbands makes good money. I was pregnant when I applied with my second one and I was granted some money not allot but you will probably get more than me. You will just need to add your spouses income as if it was like a parent doing it too and your income. Once you have your baby change your income information and see if you can get more. I did that for this year. Good luck.
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- ?Lv 68 years ago
Wow, you could give a course in "How to complicate your life."
•You need to create a comprehensive plan for getting through College.
•Look for online classes, Independent Study and other ways to get through the process.
•You are entitled to tax credits "Earned Income Credit/ IRS.gov/Publication 596. You will get much needed tax return!
•Get irs.gov/Publication 970/ Education Tax Credits/Deductions. You'll need this also!
•Call for "Funding Your Education 2013-14
(the guide to Federal Student Aid) 800.433.3243) also as ask for Federal Student Aid at a Glance 2013-14.
•You need to fill out the FAFSA.gov
•Open an account at nslds.gov
Do not go to a Diploma Mill attend a Community College. Register at the EOP & S Department to help you through the maze.
Finally, read College Survival & Success Skills 101 by Marianne Ragins.
Read: Debt-Free U by Zac Bissonnette (library)
•Stay away from Student Loans, really! All Student Loans!
Source(s): Read: The Total Money Makeover by Dan Ramsay & Attend Financial Peace University at your local church, really! - SaraLv 41 decade ago
You should qualify for financial aid and also some schools offer housing for young married students. It is normally very affordable. You should check into that as well. Check with the aid office about his, but you might have to change your last name before you apply. Best of luck and congratulations.
- 1 decade ago
based on my experinece it goes by income and dependents (this is my last semester at university of michigan dearborn -all through financial aid) .
The only thing is since you are married you need to make sure they are aware of that or else they are going to try and go by your parents income instead of your husbands-but you may have alittle trouble b/c it normally goes by last years taxes and you weren't married then so you may have to fill out a change of income form. but if that is all he makes you shouldn't have any problem getting financial aid (being married just means they will go by his income, your income and not your parents). i only live with my bf and they look at his stuff too b/c being under 25 i had to prove i supported myself and child so they didn't look at my parents income. (you probably need to talk with them since you just got married this year and the baby isn't here yet-go to the finiancil aid counselors they can even help you fill out the forms right then and there-its alot faster, just make sure you have your taxes, his taxes, all w-2's for both and marriage certificate)
- poohb2878Lv 61 decade ago
Financial aid is strictly dependent on income, not whether or not you have children. Since your husband only makes 12,500 a year I think the odds of getting aid are pretty good.
As far as other aid (non college related) given your low income status you would qualify for other types of public aid, such as WIC.
Good luck!
- 1 decade ago
my husband and i got financial aid right after we married, and then after our baby was born we got a lot more. the fafsa application asks if you have dependents. that really sucks about the deadline. but the fafsa counts your income and status from the previous year, so maybe it doesnt matter.