Shortcut Navigation:

Question for the Money Doctors

Question submitted on Jun 10, 2017.


My daughter is 23 years old and has lived in Florida for 5 or 6 years on her own . She has her own apartment and pays all of her own bills. Why is it that she still has to use my income when applying for student aid.


In determining eligibility for federal student aid, undergraduate students younger than the age of 24 (at year end in the year receiving aid) are considered to be dependents, regardless of their own financial independence.  There are some limited exceptions.  Dependents for tax purposes are at times, different than dependents for student aid eligibility.  Therefore, it may be required in your daughter’s situation, if she doesn’t qualify for an exception, to provide your financial information on her Free Application for Federal Student Aid (FAFSA).

There is a table on the Federal Student Aid website that may assist you and your daughter in determining her status.

For additional information visit