2024-25 FAFSA® Changes

How the FAFSA Simplification Act Affects You

**PLEASE NOTE ALL INFORMATION DISCUSSED ON THIS PAGE APPLIES TO THE 2024–25 ACADEMIC YEAR**

The FAFSA® Simplification Act represents a significant overhaul of the processes and systems used to offer federal student aid starting with the 2024-25 academic year. This includes the Free Application for Federal Student Aid (FAFSA®), needs analysis (means of determining aid eligibility), and many policies and procedures for schools that participate in federal student aid programs. The law will affect every school that offers assistance from the federal student aid programs.

Additionally, the law has the potential to affect eligibility for state financial aid programs that use FAFSA® data to determine whether certain criteria are met.

With the delay in being able to offer financial aid for the 2024-2025 school year, we developed these questions and answers that may help you as you prepare for your fall enrollment at Texas A&M.

If you have filed your Free Application for Federal Study Aid (FAFSA®), you should have received your FAFSA® Submission Summary (FSS). The FSS has information regarding Estimated Federal Student Aid, your Student Aid Index (SAI) and most of the answers you provided on your FAFSA®. Login to studentaid.gov with your FSA ID username and password to review your FSS.

2024-25 FAFSA is Available

What is an SAI?

Where can I find my SAI?

How can I determine if I have financial need (meaning how much financial aid I might be eligible for)?

How do I determine if I am eligible for the Federal Pell Grant?

Does Texas A&M meet full financial need?

Does Texas A&M have a tuition promise program?

When is my bill for the fall 2024 semester due?

If I have filed my FAFSA®, is there anything else I need to do right now?

Texas A&M University has begun receiving FAFSA® files from the Department of Education. If your FAFSA® was received, it will be reflected in the Financial Aid Portal under 2024-2025 on the Status page. To access the Financial Aid Portal, log in to Howdy:

Sign into Howdy
Search for Financial Aid Portal, and follow the link to the portal

We work with the Department of Education to identify and resolve processing issues. If we need anything from you, we will notify you on the Status page of the Financial Aid Portal and send you a request by mail and email. We encourage you to submit any documents we have requested as soon as possible so that we can complete your financial aid file and send you a financial aid offer letter.

Free Application for Federal Student Aid (FAFSA®) Changes

The benefits of the FAFSA® Simplification Act include:

Streamlined application process
Better user experience for the FAFSA®
Expanded eligibility for federal student aid
Reduced barriers for certain student population (e.g., homeless and unaccompanied youth, incarcerated students, English language learners, and students from low-income backgrounds)

Changes to Terminology

Changes to the FAFSA®

Changes to Who Must Provide Information

A contributor is anyone who is required to provide consent for Federal Tax Information (FTI) and a signature on the FAFSA® including:

The student
The student's spouse (if applicable)
A biological or adoptive parent; or
The spouse of a remarried parent who is on the FAFSA® (i.e., a stepparent)

The new FAFSA® is student-driven, meaning the student's answers on their section will determine who will be a contributor (in addition to the student). Students will need the contributor’s name, date of birth, Social Security Number (SSN), and email address to invite them to complete their required portion of the FAFSA®. Contributors will need to provide personal and financial information on their section of the FAFSA®.

If a dependent student's parents are unmarried and living together, both parents will be contributors, will need to have separate Federal Student Aid (FSA) IDs, and need to provide consent. Dependent students whose parents filed their U.S. income tax return as Married Filing Jointly only require one parent contributor to complete the FAFSA®. If the student's parents filed separately, both parents will be considered contributors and therefore need separate FSA IDs.

If an independent student is married and filed separately, both individuals are contributors and must have FSA IDs.

To create an FSA ID, please visit the Create Account webpage one the Federal Student Aid website.

Requirement to Provide Consent

For the FAFSA® to process successfully, consent must be provided by all required contributors (student, parent, parent spouse, and/or student spouse) on the FAFSA®. This allows the Federal Tax Information (FTI) transferred from the IRS to be provided to higher education institutions, state higher education agencies, and designated scholarship organizations.

Consent is provided once for the academic year and cannot be revoked in that academic year. This consent is necessary even if the contributor does not have a Social Security Number (SSN), did not file taxes, or filed taxes in another country. To provide consent, contributors must have an FSA ID. The process of creating an FSA ID for those without a SSN will become available starting in December, using the Department of Education's newly developed system to validate identity with credit bureau data.

FSA ID for Individuals without a Social Security Number

For the FAFSA® to process successfully, consent must be provided by all required contributors (student, parent, parent spouse, and/or student spouse) on the FAFSA®. To provide consent, contributors must have an FSA ID, and this consent is necessary even if the contributor does not have a Social Security Number (SSN). Contributors who do not possess an SSN will be required to complete the Federal Student Aid (FSA) ID account creation process specifically developed for those without an SSN.

If this situation applies to you, please visit How To Submit the 2024–25 FAFSA^® Form if Your Contributor Doesn’t Have an SSN for instructions.

Changes to Parent of Record on the FAFSA® (Dependent Students Only)

Determining what parent(s) to include on the FAFSA® is changing. Income and assets are to be reported for the parent who provides the most financial support even if the student does not live with that parent or lives with the other parent.

In previous years, if a student’s parents were divorced or separated, the parent with whom the student lived the most in the past 12 months prior to filing the FAFSA® was to be listed; however, this is no longer the primary consideration.

Parental Income on FAFSA®

Parents who live together
- Parental income and assets in the case of a student whose parents are married and not separated, or who are unmarried but live together, shall include the income and assets of both parents.
Divorced or separated parents
- Parental income and assets for a student whose parents are divorced or separated, but not remarried, is determined by including only the income and assets of the parent who provides the greater portion of the student's financial support.
Death of a parent
- Parental income and assets in the case of the death of any parent is determined as follows:
  - If either of the parents has died, the surviving parent shall be considered a single parent, unless that parent has remarried.
  - If both parents have died, the student shall not report any parental income or assets.
Remarried parents
- If a parent who is divorced or widowed and would be included on the FAFSA® has remarried, the income of the parent's spouse must be included if the student's parent and the stepparent are married as of the date the FAFSA® is completed.
Single parent
- For a single parent who is not divorced, separated, or remarried, the income and assets of the single parent shall be included.

Expected Family Contribution (EFC) Changes to Student Aid Index (SAI)

Students and families will see a different measure of their ability to pay for college, and they will experience a change in how eligibility for the federal student aid programs is determined. The new needs analysis formula removes the number of family members in college from the calculation, allows a minimum Student Aid Index (SAI) of -1500, and implements separate eligibility determination criteria for Federal Pell Grants.

Federal Student Aid has released a Federal Student Aid Estimator to help students find out how much federal student aid they may be eligible for using an estimate of the SAI.

Changes to Federal Pell Grant Eligibility

The FAFSA Simplification Act will expand the Federal Pell Grant to more students and will link eligibility to family size and the federal poverty guidelines that were in effect during the tax year being requested on the FAFSA®. Additionally, for students who qualify, the amount of Federal Pell Grant will be based on enrollment intensity according to the chart below.

Credit Hours	Enrollment Level (Old)	Enrollment Intensity (New)
12 (or more)	Full-Time (100%)	100%
11 10 9	Three-Quarter Time (75%)	92% 83% 75%
8 7 6	Half-Time (50%)	67% 58% 50%
5 4 3 2 1	Less-Than-Half-Time (25%)	33% 25% 17% 8%

Changes to Household Size and Number in College

Though the FAFSA® will ask how many of the student’s household members are in college, the answer will not be calculated into the Student Aid Index (SAI). As such, undergraduate students with siblings in college may see a change in their federal aid eligibility. Guidance for how a student should report their family size will align more closely with what was reported on the student’s/parent’s tax returns.

Changes to Internal Revenue Service (IRS) Functionality and Federal Tax Information (FTI)

A new IRS Direct Data Exchange (DDX) will replace the IRS Data Retrieval Tool (DRT) built into the FAFSA® for importing student, parent, parent spouse, and/or student spouse Federal Tax Information (FTI). Previously, users had the option to enter their tax information manually or use the IRS DRT.

All persons on the FAFSA® must provide consent for the Department of Education to receive tax information or confirmation of non-filing status directly from the IRS. In a very small number of cases, students and families will have to enter their tax data manually, but for most, that data will be automatically transferred into the application. This change makes it easier to complete the FAFSA® and reduces the number of questions to be answered.

Changes to Asset Reporting

What is NOT changing?

The general types of aid available to students and federal student loan limits.
The FAFSA® will still be required for consideration of federal financial aid every year as well as for certain state and institutional aid programs.
Dependency status questions that determine if your parent(s) must complete the FAFSA® remain the same.
The FAFSA® will still request tax information from the prior-prior year, which means students will report 2022 income and assets on the 2024-25 application. Families with significant reductions in income levels can review the special circumstance process.
The questions regarding a student's gender, race, and ethnicity will continue to have no effect on federal student aid eligibility and are included for statistical purposes and data collection only. This information is collected by the Department of Education and is not shared with Texas A&M University.
Admission application deadlines will not change.