The FAFSA — Free Application for Federal Student Aid — is the single form U.S. colleges, states and the federal government use to decide how much need-based aid a student can receive. It unlocks federal Pell Grants, Federal Work-Study and federal student loans, and most states and many colleges use it to award their own grants and scholarships too. The form is free. File only at the official site, StudentAid.gov — never pay a service to submit it.
Which form, and when
The 2027–28 FAFSA covers the school year from July 1, 2027 to June 30, 2028 — the form for high school seniors starting college in fall 2027 and for returning students continuing that year. The U.S. Department of Education has said the form will launch by October 1, 2026. It uses 2025 federal tax information, and the federal deadline is June 30, 2028.
That federal deadline is misleading on its own. State and college deadlines come much earlier, and some state grant programs are awarded first-come, first-served until funds run out. File as soon as the form opens, and check your state's deadline and each college's priority date.
Who should file
Every U.S. citizen or eligible noncitizen planning to attend college, a trade school or a certificate program should file, whatever the family's income. There is no single income cutoff for federal aid — eligibility depends on family size, tax information, the school's cost of attendance and enrollment status. Not filing is the only way to guarantee receiving nothing.
Four terms to know
- Student Aid Index (SAI) — the number calculated from your FAFSA that colleges use to determine federal aid eligibility. It replaced the older “Expected Family Contribution” and is not the amount your family will pay.
- Contributors — everyone who must provide information on the form: the student, and depending on the situation, parents or a spouse. For dependent students whose parents are divorced or separated, the parent who provided more financial support that year is the contributor.
- Consent — every contributor must give consent for their federal tax information to be transferred directly from the IRS. Without that consent, the student cannot receive federal aid.
- FAFSA Submission Summary — the summary you receive after filing, showing your SAI and your answers. Review it and correct any errors.
How to apply, step by step
- 1Create StudentAid.gov accounts. — The student and every contributor each need their own StudentAid.gov account, which is also your electronic signature. Create them a few days early: the identity check can take several days, and contributors without a Social Security number can still create an account.
- 2Gather your documents. — Social Security numbers (if you have them), 2025 federal tax returns and W-2s, records of untaxed income, current balances of cash, savings and checking accounts, the value of investments, and the list of schools you are considering.
- 3Start the form at StudentAid.gov. — The student logs in, answers the questions that determine dependency status, and invites each contributor by name, date of birth, Social Security number and email.
- 4Contributors complete their sections. — Each contributor logs in with their own account, fills in their part, provides consent for the IRS data transfer, and signs.
- 5List your schools. — Add every college you are applying to or considering, up to 20. Each school receives your information, even if you have not been admitted yet.
- 6Sign, submit and review. — Submit the form, then check your FAFSA Submission Summary. If anything is wrong, log back in and submit a correction.
- 7Compare aid offers and follow up. — Colleges send aid offers after admission. Some may request verification documents; respond quickly. Some private colleges also require the CSS Profile in addition to the FAFSA — check each school's financial aid page.
What the Pell Grant is worth
The Federal Pell Grant is need-based aid that does not have to be repaid. For the 2026–27 award year, the maximum award is $7,395 and the minimum is $740. The 2027–28 amounts have not been announced yet; Federal Student Aid publishes them at StudentAid.gov/pell-grant. Your actual award depends on your SAI, your school's cost of attendance and whether you enroll full time or part time. Pell Grants are available for up to the equivalent of six years of full-time study.
Practical rule: file in October, file every year you are in school, and never compare two colleges' costs until you have seen each one's aid offer based on your FAFSA.
Sources: StudentAid.gov and the U.S. Department of Education (Federal Student Aid). Last reviewed September 2026. Dates and award amounts change each cycle — always confirm on StudentAid.gov before acting.