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5 FAFSA Pitfalls To Avoid

Regardless of your financial status, if you are planning on going to college, you should be filling the Free Application for Federal Student Aid (FAFSA). FAFSA opened their application on October 1st, and if you haven’t done it yet, make this your top priority. It can be a tedious and intimidating process, but don’t put it off! To make sure you are getting all the financial aid possible, here are five FAFSA pitfalls you should avoid.

1. Not Filing At All

The biggest mistake you can make is skipping the FAFSA altogether. Some students might think that the FAFSA is only there for students with pressing financial needs, but that isn’t true. While income is one of the factors used to determine the amount of aid you receive, the number of children in a family and how many are enrolled in college at the same time is also considered. There’s no reason not to see if there’s some money on the table for you.


The amount of high school seniors who file a FAFSA

According to a survey done by the National College Access Network, only 61% of high school seniors file a FAFSA. That number is even less when it comes to low-income students. That means that more than $24 billion in state, federal, and institutional aid is going unused. By spending a few hours filling out the FAFSA, you can help make college more affordable.

2. Not Filling Out the Correct Form

The official FAFSA website is You should never have to pay or put in credit card details on the official government site. In addition, make sure you are completing the form for the correct year. If you are currently enrolled in high school for the 2018-2019 school year, make sure you are selecting the form for the 2019-2020 year. Otherwise, you won’t qualify for financial aid, regardless of whether or not you filled out everything correctly.

3. Waiting Too Long

By not acting now, you could be missing out on aid from organizations that give out scholarships. Many times, the money is doled out on a “first come, first serve” system, so if you wait too long, it could be gone.

Many organizations that give out financial aid tend to have tighter deadlines, so if you file by December, you have a better chance of getting more significant scholarships from various foundations, agencies, or schools. Some state agencies have winter deadlines, so check the FAFSA deadline list found on the U.S. Department of Education.

4. Not Putting All the Schools on the Form

If you have started to fill out the FAFSA form, you might have noticed that you can only add 10 schools to the application. If you’re interested in more than 10 schools, the best way to handle this situation is to submit in batches.

First, submit to the max allowed: 10 schools. Once you have received your Student Aid Report (SAR) — which will summarize the information you submitted and provide you with your expected family contribution– you can then send all the information to more schools. Simply remove the current list of colleges and add the new ones. It is important to note that any school codes you add will replace one of the school codes already listed. If you decide to make any changes to your FAFSA at a later date, any college removed from the list does not have automatic access to any new information you provide after you removed that college. You will need to resend any changes to those colleges that were removed to make room for the second batch of colleges.

How much more likely high school graduates who file the FAFSA are to enroll in college than graduates who don’t fill it out.

5. Giving Up

The application process can be long and difficult for those who are filing for the first time. But completing the FAFSA can have an impact on whether or not you go to college. According to the NCAN, high school graduates who file the FAFSA are 63% more likely to enroll in college than graduates who don’t fill it out.

Spend a weekend dedicated to completing the FAFSA to make college more affordable, and pave your path to college.

Here's Your No-Nonsense Guide to the FAFSA

Author: Kristen Moon

Kristen Moon is an independent college counselor and founder of Moon Prep provides one-on-one coaching services catered to university admissions. They guide students through the entire application process including: completing applications, personal statements, supplemental essays, student resumes, scholarships, and financial aid. Their specialty lies in the Ivy League, direct medical programs (BS/MD), and highly competitive universities.