Paying for college is one of the biggest concerns for students and families in the United States. Luckily, there are many resources available to make higher education more affordable. The most important step is completing the Free Application for Federal Student Aid (FAFSA) each year you plan to attend college. The FAFSA helps you qualify for federal grants, loans, and work-study opportunities, and it is also used by states and colleges to award additional financial aid.
For the 2025–26 school year, students should complete the 2025–26 FAFSA to maximize their eligibility for funding. In this guide, we’ll walk you through everything you need to know — from creating your FSA ID to exploring scholarships and other financial aid options.
What is the FAFSA and Why It Matters
The FAFSA, or Free Application for Federal Student Aid, is a free government form that determines your eligibility for financial aid. By filling it out, you may qualify for:
- Grants – money you don’t have to repay, such as the Pell Grant.
- Loans – low-interest federal loans that must be repaid after graduation.
- Work-Study – part-time jobs for students to earn money while in school.
Colleges and universities also use FAFSA information to provide institutional scholarships and grants. Filing it each year ensures you don’t miss out on valuable financial aid opportunities.
Getting Started: How to File the 2025–26 FAFSA
Before completing the FAFSA, you’ll need to set up a Federal Student Aid ID (FSA ID), which acts as your login. Here are the steps:
- Create Your FSA ID – Visit studentaid.gov and create your account with a username and password.
- Gather Documents – Have your Social Security number, tax returns, and financial information ready.
- Complete the FAFSA Online – Fill out the 2025–26 FAFSA form as soon as it opens.
- Submit Early – Many states and colleges have priority deadlines for aid. Submitting early can increase your chances of receiving more funds.
Financial Planning for College
FAFSA is just one part of paying for college. Here are other important strategies to consider:
- Federal and State Aid – In addition to federal funding, many states offer grants and scholarships to residents.
- College-Based Aid – Colleges often provide need-based and merit-based scholarships.
- Private Scholarships – Nonprofits, community organizations, and companies offer scholarships based on academic achievement, leadership, or personal background.
- Start Saving – Even small contributions to a savings plan, like a 529 college savings account, can make a difference.
Insights and Resources for Filing FAFSA
The FAFSA can feel overwhelming, but resources are available to help:
- uAspire Q&A Sessions – Nonprofit experts answer common FAFSA questions and provide free advising for families.
- Federal Student Aid YouTube Channel – Offers step-by-step videos and instructions directly from the U.S. Department of Education.
- Office of Federal Student Aid – Provides official resources, FAQs, and updates on FAFSA policies.
Scholarships and Opportunities on Common App
Did you know you can also find scholarships directly in the Common App? First-year students can now be matched with opportunities that align with their background and interests.
Featured Scholarships:
- Jack Kent Cooke Foundation Scholarships – Offers up to $40,000 annually for high-achieving students.
- Institutional Scholarships – Many colleges automatically consider your application for merit-based awards once you apply.
Special Considerations for Undocumented Students
If you are an undocumented student in the U.S. (without a visa, permanent residency, or citizenship), you may not be eligible for federal aid. However, there are still options:
- State Aid – Some states offer financial aid to undocumented students.
- Institutional Aid – Many colleges provide scholarships regardless of citizenship status.
- Private Scholarships – Organizations specifically support undocumented students in higher education.
Protecting Your Financial Security
As you apply for aid, make sure to protect your personal and financial information:
- File FAFSA only at studentaid.gov (avoid scam websites).
- Never pay to submit your FAFSA — it’s always free.
- Monitor your student aid status to ensure no one misuses your identity.
Additional Tools for Financial Planning
- Net Price Calculator – Estimate the real cost of attending a specific college, including aid.
- Federal Student Aid Estimator – Get an idea of how much federal aid you may qualify for.
- Common App Fee Waivers – If application fees are a burden, you may qualify for waivers.
Conclusion
Paying for college can seem daunting, but with the right resources, it’s manageable. By completing the 2025–26 FAFSA, exploring scholarships, and using financial planning tools, you can maximize your chances of receiving aid and reduce the cost of higher education.
Remember: file your FAFSA early, research all available scholarships, and stay proactive about your financial planning. With preparation, you can focus more on your education and less on financial stress.