CCS Profile/FAFSA (Help Please!!!)

Hello,

Im in a situation where my parents are divorced and currently living with my mom. She is the head of household and I am the only child and dependent on her.
My question is that if we move in with her boyfriend, I was wondering if this will affect my FAFSA. My state doesn’t do the common law marriage and we also are just going to start living with him. They are not married as well, so my mom is looking to split the bills with him and other expenses.

Everything besides his house is in my moms name. She pays on her own besides when they are going on dates or what not but I don’t think those count.

However, there are other things that need to be address as well. Last year I received the max Pell Grant award and this was when my mom owned our house. She still owns the house right now, but she is looking to sell it soon if we decide to move in with her boyfriend. If she does move in with her boyfriend and if the house is sold, they both agreed to have the house in both of their names because they are planning to remodel the house.

I am so confused on. what factors will come into play if these events happen. I just want to know if we should just keep our old house and just use that address and household to file just like I did last year and get the normal financial aid,
OR
She sells the house, she moves in with her boyfriend, then they both own the house. I don’t know the differences between if my mom owned the house with him or him owning it by himself will affect my aid.

I would appreciate your guys HELP as this is very confusing and I don’t know what path to take.

If your mom doesn’t marry her boyfriend, nothing of his is included on YOUR FAFSA or Profile forms.

However, if she moves in with the boyfriend…and you do too…and the first house has not sold, that first house will no longer be your primary residence and the equity in that will be included on both the FAFSA and Profile. In addition, once sold, any money from the sale that your mom still has will be assets.

So…you might want to file both forms ASAP before the move And house sale.

Don’t lie. If that first house is no longer your residence it’s…no longer your residence.

We still own the house, it just for sale. But we may not sale it or we might as she may use all the money to remodel the house as she co-owns it.

If you move to a different house, and don’t sell the first house…that first house equity will be considered an asset for FAFSA and Profile purposes. This is because that first house will be a secondary piece of real estate.

Are you a HS senior now?

Have you already moved?

If you are a senior now and you haven’t moved…complete the FAFSA and Profile while you are still living in house number one.

Will you be attending a college that meets full need for all accepted students?

Are you low income?

my gross income is 10k so it is very low. And I am filing the fafsa for this year for my first house because we currently own it right now and are back and forth. Im in my first year of college right now and my moms permanent address was the first house when she filed her 2017 - 2018 taxes so when asked for the perm address, we are doing that house. Next year, we are doing my moms boyfriend house, but that is later.

I attend a community college, and I will be transferring UNC Chapel hill

Have you already been accepted to UNC CH? Are you an instate applicant?

If your family income is that low and your parents have some means tested benefit like SNAP or you got free/reduced lunch or a sibling does…or one parent is a dislocated worker…or your parent is eligible to file a 1040a or 1040 EZ tax form…then you would have an auto $0 EFC per FAFSA and your assets would not be taken into consideration.

BUT there is no auto $0 EFC for the Profile.

That being said, if you get accepted to UNC CH, the do pledge to meet full need for all. But, you have to get accepted…first.