Sunday Morning Coffee, the FAFSA Report and a Box of Kleenex
Yesterday was the second Sunday morning I woke up early to fill out financial aid applications for college. A friend had emailed me the night before asking, “I filled in the FAFSA report and CSS report, besides making sure the girls turn in their applications on time, is that all we have to do?”
Technically, the financial aid applications are designed for the students to fill out. But they require so much detail of household finances, it definitely seems like a parent’s job.
The most important thing to know ahead of time is that the FAFSA (Free Application for Federal Student Aid) and CSS (College Scholarship Service Profile) require your tax return two years back. In other words, if the student enters college in the 2018-2019 school year, you will use your 2016 tax return. For my son, who will be entering college in the 2020-2021 year, we will use the 2018 tax return. This information is crucial. You may want to think ahead as you enter that tax year and consider that those spendings and earnings will be reviewed for financial aid.
So allow yourself some uninterrupted hours. The FAFSA report goes quickly, but the CSS takes more time. Then the day after you submit the CSS, some colleges ask for several documents to be uploaded, many of these requiring your child’s signature. Be prepared to pay a $9 processing fee and $16 per school for CSS. The FAFSA report is free.
As I confirmed the list of colleges we were sending the report to, ten for us, I started to tear up. All the college prep so far has been super fun. College tours with the family, looking through colorful brochures, imagining how my California daughter might endure a winter in Maine. But sending off our taxes so that we might get money to actually send our daughter to one of these places was too much for me. I looked at her hand-picked college list and pictured her 3,000 miles away. She only had one close-to-home college on her list, and that was a safety school. I listened to her read her college essay out loud as her brother played basketball nearby. I imagined the house without her. I couldn’t.
So it wasn’t the act of digging up our finances that was hard, it was hitting the submit button and realizing the actual road to her moving on was in play. Technically my friend was right, my only responsibilities are filling out the forms and helping her meet the application deadlines. But it’s not the only thing I need to do. Emotionally prepping for her to leave home… that will be the hardest job of all.