step1: eligibility
  step1b: status review
  step1c: EFC formula
  step1d: cost analysis
  step2: submit forms
  step3: process SAR
  step4: get award letter
  step5: view aid options
  step6: manage funds
Hit "Apply Now" to apply for Stafford, PLUS, Private, Home Equity and Scholarships.

Financial Aid Notes

Aid Step 1b: Dependency Status

Different eligibility loan amounts will be awarded for dependent and independent students:

see stafford loan limits

students who have access to parental support are classified as dependent students.

dependent students and their parents must report respectively their income and assets on the FAFSA form:

see our Step 2 for more information about the FAFSA form


Students who display at least one of the following requirements are classified as independent students:

  • you were at least 24 years of age on January 1 of the academic year you begin school

  • you are married on the day you apply (even if you are separated but not divorced)

  • you will be enrolled in a graduate or professional program (beyond the bachelor's degree) at the beginning of the academic year

  • you have legal dependents other than a spouse who receive more than half their support from you

  • you are an orphan or ward of the court (or were a ward of the court until age 18)

  • you are veteran of the U.S. Armed Forces ("veteran" includes a student who attended a U.S. military academy who was released under a condition other than dishonorable)

    if none of the above criteria apply to you, you will be classified as an dependant student

    not living with parents or not being claimed by them on tax forms does not determine dependency status for federal student aid

Independent students must report only income and assets of their own (and those of their spouse, if married).


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