Where to start getting information?

What I meant by saying you can only file CSS Profile once, was that you can’t file it once with just student’s info then turn around and try to file again with just grandparents’ info. You can’t have the bio dad do the noncustodial form for college X and have the mom file it for college Y. Even though you have to contact each school and see how they want things, ultimately they all have to be on the same page. I tried to allude to that in my emails and almost all the reps were super easy to deal with.

I got many varied answers when just calling and talking to whoever answered the phone, even if they went and asked somebody. I got the best and most consistent results by emailing the FinAid Director directly. Sometimes I had to scrounge around the website to find their contact info. But remember, if you just call, the person answering the phone may be a work-study student.

I had one college that wanted both bio parents to file the noncustodial form but CSS Profile will only accept one noncustodial form. When I told that school that all the other schools said not to file any noncustodial form, they said they would just accept whatever the other schools wanted.

When I submitted the Profile, it said almost all the schools wanted the noncustodial form. So I had to contact them all to find out which parent should file the form (bio parents are not together). That is when most of them just waived it. If different colleges had wanted a different bio parent to complete the noncustodial form, that would not have been possible.

I had one college tell me the student should NOT file FAFSA as independent, even though that is spelled out quite clearly. He referenced some obscure rulings and twisted things I had said. I was not able to convince him otherwise. Again, you can’t file the FAFSA twice, once as dependent, once as independent. I knew it was correct that she file FAFSA as independent and I was afraid that one FinAid Director might screw the whole works up by contesting our FAFSA, so we dropped that school from the list. Luckily it was not a big favorite although it would have been a good fit.

FWIW, this student does have contact with both bio parents and receives small amounts of support from each. I mentioned that when contacting FinAid in case that affected their decision but it didn’t seem to matter. I think five just waived the noncustodial form with hardly a thought, like that is just what they do when it’s a guardianship.

Agree with @sybbie719:

I re-emphasize, with sybbie, that the colleges can do whatever they want about the Profile, that’s why I heartily recommend making sure some FAFSA-only colleges are in the mix.

I don’t think you are correct.

A student can submit their Profile forms at different times to each school.

So, they could submit to all schools requiring only student info in one submission.

Then in a separate submission, they could submit using grandparent information too.

if that isn’t true…but I think it is…the student could submit using their and the grandparent info…but the schools that do NOT require the grandparent info would just not use it.

I’m pretty sure you’re wrong about being about to create two separate Profiles, but I couldn’t easily find the reference. Yes the Profile can be submitted at different times, just like you can go in and add a college later to receive the FAFSA, but you’re just adding a recipient, not creating a whole new form. Just let this be a heads up to anyone in this situation. Rules are always changing too.

That is exactly what we did but I was not convinced that the college wouldn’t see or use the guardian financial info since it’s such an unusual situation. That particular school did not remotely meet need, and yes, I know it doesn’t have to, it’s not a full needs school, etc., etc., but neither are the two FAFSA-only colleges that did in fact (unexpectedly) meet full need and without overloading on loans. (Sample of three, I’m not trying to “prove” anything here, just share our experience)

The unfortunate (depending on your point of view) part about filing FAFSA as independent is the higher loan max. We did not want the student to incur over $20,000 in loans during the four years. The Profile school’s award included $9500 in loans for freshman year alone and still left a gap of over $11,000. While the FAFSA-only colleges also offered higher loan amounts, with work study and summer earnings, the student could get by with just the subsidized loans and possibly not even take the full amount.

I don’t know where people are getting their information, but we just went through this process and I have a FinAid award in hand with Federal Direct Unsubsidized Loan amount of $6,000 for freshman year.

The freshman year max Direct Loan for an independent student is $9500. Only $3500 can be subsidized.

So your student could get $6000 in UNsubsidzed direct loans plus $3500 in Subsidized direct loans…total…$9500.

If they don’t have financial need…the full $9500 could be unsubsidized for an independent freshman student.

If an independent student didn’t receive that amount…and needs it, call the financial aid office. This is something available to them UNLESS it would make their aid more than the cost of attendance minus EFC.

ETA…you don’t ever have to,accept the full loan amounts if you don’t want to. You can accept part only.