Loans Student Loans Financial Aid How To Fill Out the FAFSA Your Step-by-Step Guide By Elyssa Kirkham Elyssa Kirkham Twitter Elyssa Kirkham is an expert on student loans and student loan issues. A personal finance journalist for nearly a decade, she covers consumer credit in addition to her specialization in education debt and financing. She holds a B.A. from Brigham Young University, Idaho. learn about our editorial policies Updated on September 29, 2022 Reviewed by Andy Smith Reviewed by Andy Smith Andy Smith is a Certified Financial Planner (CFP), licensed realtor and educator with over 35 years of diverse financial management experience. He is an expert on personal finance, corporate finance and real estate and has assisted thousands of clients in meeting their financial goals over his career. learn about our financial review board Share Tweet Pin Email In This Article View All In This Article Why You Need To Complete the FAFSA When Is the FAFSA Due? Preparing To Apply for Federal Student Aid Steps To Fill Out the FAFSA After You Apply for Aid Frequently Asked Questions (FAQs) Photo: Drazen_ / Getty Images The Free Application for Federal Student Aid (FAFSA) is more than just a form. It could be your key to accessing funds from federal, state, and college student aid programs to help you pay for school. It might sound daunting, but it typically takes less than an hour for most people to fill out their FAFSA. Key Takeaways You'll need the FAFSA to qualify for federal student aid, including Pell Grants, student loans, and work-study programs. You can apply online or on paper. Make sure you have all of your documents ready, including your Social Security information, income statements, and bank statements. Why You Need To Complete the FAFSA Completing a FAFSA is a necessary step for any student who wants to access federal student aid. The information you provide through the FAFSA is used to evaluate your eligibility for need-based federal student aid, such as Pell Grants, work-study, and subsidized student loans. It’s also necessary if you want to access non-need-based aid such as unsubsidized student loans. Note The FAFSA isn’t just for federal student aid. Many colleges and states use information provided on the FAFSA to evaluate students’ financial need for assistance offered by school or state programs. If you think your family income is too high to qualify for need-based aid, or you don’t plan to use federal student aid, you might be tempted to skip the FAFSA. It's still worth filing, however. The only way to know for sure what aid you might be offered is to complete and submit a FAFSA. Filing a FAFSA does not obligate you to accept any aid you might be offered—it just gives you the option to access it. When Is the FAFSA Due? To be eligible for federal student aid, you must submit a FAFSA or FAFSA renewal each school year. You’ll need to consider three different FAFSA deadlines: The federal deadlineDeadlines for state student aidDeadlines for aid from your college You can submit your FAFSA as early as Oct. 1 for the following school year. The federal FAFSA deadline is June 30 at the end of the school year for which you’re filing. For example, you could have submitted an application for the 2022-23 school year starting Oct. 1, 2022, and your deadline to file a FAFSA is June 30, 2023. It’s generally a good idea to submit your FAFSA early. The FAFSA deadlines for state student aid or aid from your college tend to be much earlier than the federal deadline. Plus, many college and state student aid programs have limited funding and award funds to qualifying students until the budget runs out—even if that happens before the deadline. Note Different states and programs may have earlier deadlines than the federal deadline. You should find out when the FAFSA is due in your state. Preparing To Apply for Federal Student Aid Collecting all your documents and information ahead of time can make it easier to fill out the FAFSA. If you’re submitting this form for the first time, you need to create an FSA ID account. To file a FAFSA renewal, you must be able to log in using your existing FSA ID. You’ll also need: Personal identifying information. For U.S. citizens, this could be a Social Security number or your driver’s license number and state. Non-U.S. citizens can use an alien registration number or permanent resident card.Federal tax returns that include all taxable income.Proof of any untaxed income, such as worker’s compensation, child support, housing, veterans benefits, or housing or food allowances.Asset documents such as statements for bank and investment accounts or business records.A list of schools you’re attending or may attend. Federal Student Aid reports that completing the FAFSA generally takes less than 60 minutes, including the time it takes to collect the information listed above. Note The FAFSA asks for tax and income information from the calendar year two years before the start of the school year. For the 2021-22 school year, for example, you’d provide tax and income info from the calendar year 2019. Steps To Fill Out the FAFSA Once you’ve collected all your forms and information, you’re ready to start filling out the FAFSA. You can apply online or mail in the form: Online: Log into FAFSA.gov and click “Start here." The mobile app has been retired as of June 2022, so you can no longer use it to fill out the FAFSA.On paper: You can print out a PDF copy or request a form by calling 1-800-4-FED-AID (1-800-433-3243. Complete the form and mail it to Federal Student Aid Programs, P.O. Box 7654, London, KY 40742-7654. Note The online version will also prompt you to create a “save key” for your FAFSA, which will allow you to save your progress and share your form with your parents if necessary. The paper version and the online version will require the same information, although the steps can sometimes be in a different order. Add Personal Information You'll need to enter personal info like your name, Social Security number, and date of birth. You’ll also provide contact information like your email address and telephone number, then answer questions about your citizenship and current educational level. Select Colleges Next, you’ll need to provide the FAFSA codes for any colleges you’re attending or planning to attend. This section tells the Federal Student Aid Office to share your FAFSA and federal student aid information with these colleges. Use the Federal School Code Search tool to find the codes for your current or prospective schools. Figure Out Whether You’re a Dependent You'll need to answer a series of questions to determine if you’re a dependent or independent student, according to federal student aid guidelines. Dependent students will need to report their parents’ information on the FAFSA. Report Parent Information If you qualify as a dependent student, the FAFSA will require demographic and financial information from your parent or parents. You can complete this section, or you can share your save key with a parent so they can fill it out themselves. Fill In Your Financial Information You’ll be prompted to provide details about your financial situation. You’ll need to report income from the tax year specified on the FAFSA, and you can use the IRS Data Retrieval Tool (DRT) to auto-fill this info from your tax return. You’ll also be asked about your savings and checking account balances, investments, and any benefits such as disability or workers’ compensation. Sign and Submit the FAFSA Finally, you’ll sign the form. Use your FSA ID to sign if you’re completing the online version of the FAFSA, or use a handwritten signature if you're filling out the form on paper. If you’re a dependent student, your parent will also need to sign the FAFSA. Then you'll either mail in the form or submit it online. If you submit the form online, wait for a confirmation webpage to load. After You Apply for Aid Congratulations, you’ve submitted your form! You can check the status of your FAFSA by signing in at FAFSA.gov. Check your email for any updates about your FAFSA. If you see the words “missing signatures” or “action required,” review your form and take any needed steps to update or correct it. You should be able to check the status of a paper FAFSA about seven to ten days after you mailed it in. Somewhere between three days and three weeks after submitting the FAFSA, you will receive a Student Aid Report (SAR). Your FAFSA information will be shared with the colleges listed on your application as well as state educational authorities. Note After you file the FAFSA, find out if you qualify for any scholarships or grants. They might be offered by your state, college, or private organizations. Your college will process your FAFSA form and use that information to determine your eligibility for different forms of student aid. It will then send you a financial aid award letter that outlines all forms of student aid you can access. Frequently Asked Questions (FAQs) What are the six items needed to fill out the FAFSA? To fill out the FAFSA, you'll need to have your income documentation, including your federal tax returns, W-2s, and records of untaxed income. You'll also need any bank statements and records of investments, as well as an FSA ID so you can sign electronically. If you're a US citizen, you'll need your Social Security number. If you're not a US citizen, you'll need your Alien Registration Number. Can I fill out my FAFSA without my parents? If you are under the age of 24 and your parents refuse to fill out the FAFSA or provide you with the information you need, you can technically still submit the form. Unless there is a special circumstance, your access to financial aid will be extremely limited and you won't receive an Expected Family Contribution. The only federal aid you'll be eligible for is an unsubsidized Direct Loan, if your school's financial aid office allows it. You may have a special circumstance if you left an abusive home, have no way to contact your legal parents, your parents are in prison, or you are a self-supporting 21-23 year old. Was this page helpful? Thanks for your feedback! Tell us why! Other Submit Sources The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy. Federal Student Aid. "How Long Will It Take to Fill Out the FAFSA?" Federal Student Aid. "FAFSA Deadlines." Federal Student Aid. "7 Things You Need Before Filling Out the 2021-22 FAFSA Form." Federal Student Aid. "Filling Out the FAFSA Form," see "FAFSA Filing Options." Federal Student Aid. "myStudentAid Mobile App." Federal Student Aid. "FAFSA," Page 1. Federal Student Aid. "How To Review and Correct Your FAFSA Application." Federal Student Aid. "Reporting Parent Information."