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		<title>What To Do If You Can’t Get A Student Loan For College</title>
		<link>https://thecollegeinvestor.com/62352/what-to-do-if-you-cant-get-a-student-loan-for-college/</link>
					<comments>https://thecollegeinvestor.com/62352/what-to-do-if-you-cant-get-a-student-loan-for-college/#respond</comments>
		
		<dc:creator><![CDATA[Robert Farrington]]></dc:creator>
		<pubDate>Sat, 10 Oct 2026 07:15:00 +0000</pubDate>
				<category><![CDATA[Student Loans]]></category>
		<guid isPermaLink="false">https://thecollegeinvestor.com/?p=62352</guid>

					<description><![CDATA[<p>Denied student loans? Learn your options for paying for college when federal, PLUS, and private loans aren’t available.</p>
<p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/62352/what-to-do-if-you-cant-get-a-student-loan-for-college/">What To Do If You Can’t Get A Student Loan For College</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
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										<content:encoded><![CDATA[<div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width: 800;" data-css="tve-u-1988b5b1207" data-type=""><div class="tcb-flex-row v-2 tcb--cols--1" data-css="tve-u-1988b5b1208" style=""><div class="tcb-flex-col" data-css="tve-u-1988b5b1206" style=""><div class="tcb-col"><div class="thrv_wrapper tve_image_caption" data-css="tve-u-1988b5b120c" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image tcb-moved-image wp-image-62355" alt="Denied A Student Loan | Source: The College Investor" data-id="62355" width="880" data-init-width="1200" height="587" data-init-height="800" title="Worried asian woman checking invoice at home" loading="lazy" src="https://thecollegeinvestor.com/wp-content/uploads/2025/08/Denied-A-Student-Loans.jpg" data-width="880" data-height="587" style="aspect-ratio: auto 1200 / 800;" data-css="tve-u-1988b5b2478" srcset="https://thecollegeinvestor.com/wp-content/uploads/2025/08/Denied-A-Student-Loans.jpg 1200w, https://thecollegeinvestor.com/wp-content/uploads/2025/08/Denied-A-Student-Loans-300x200.jpg 300w, https://thecollegeinvestor.com/wp-content/uploads/2025/08/Denied-A-Student-Loans-1024x683.jpg 1024w, https://thecollegeinvestor.com/wp-content/uploads/2025/08/Denied-A-Student-Loans-768x512.jpg 768w" sizes="auto, (max-width: 880px) 100vw, 880px" /></span></div></div></div></div></div><div class="thrv_wrapper thrv_contentbox_shortcode thrv-content-box tve-elem-default-pad" data-css="tve-u-1988b5b1209" style="" data-type="">
	<div class="tve-content-box-background" data-css="tve-u-1988b5b1202" style="--tve-border-width: 3px; border-top: 3px solid rgb(51, 51, 51) !important; border-bottom: 3px solid rgb(51, 51, 51) !important;"></div>
	<div class="tve-cb"><div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width: 760;" data-css="tve-u-1988b5b120a"><div class="tcb-flex-row v-2 tcb--cols--2 tcb-resized" data-css="tve-u-1988b5b120b" style=""><div class="tcb-flex-col" data-css="tve-u-1988b5b1203" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_text_element"><p style="text-align: center;" data-css="tve-u-1988b5b1205"><strong>Key Points</strong></p></div></div></div><div class="tcb-flex-col" data-css="tve-u-1988b5b1204" style=""><div class="tcb-col"><div class="thrv_wrapper thrv_text_element"><ul class=""><li>Nearly every undergraduate can borrow a Federal Direct Loan with no credit check, but the limits ($5,500 to $7,500 a year for dependent students) haven't changed in over a decade and rarely cover the full bill.</li><li>Since July 1, 2026, new Parent PLUS loans are capped at $20,000 a year and $65,000 per student, so approved families can still come up short. A Parent PLUS denial unlocks an extra $4,000 to $5,000 a year in the student's own federal loans.</li><li>No-cosigner loans from Funding U and second-look loans from GradBridge can fill a gap, but a financial aid appeal, a payment plan, or a cheaper school should come first.</li></ul></div></div></div></div></div></div>
</div><div class="thrv_wrapper thrv_text_element" data-type="" data-css="tve-u-1988b5b12a3">	<p dir="ltr">For most undergraduates, <a href="https://thecollegeinvestor.com/21877/pay-for-college/">paying for college starts with a Federal Direct Loan</a> in the student's name, with no credit check and no cosigner. The problem is the size. A dependent freshman can borrow $5,500, and even a senior tops out at $7,500, while the average sticker price at a private four-year college runs well past $40,000 a year.</p><p dir="ltr">When the federal loan runs out, families turn to a Parent PLUS loan or a private loan, and that is where the "can't get a student loan" problem starts. Parents get denied for <a href="https://thecollegeinvestor.com/47148/denied-a-parent-plus-loan/">adverse credit history</a>, or get approved but hit the new $20,000 annual cap. Students without a creditworthy cosigner get turned down by private lenders, and more than <a href="https://thecollegeinvestor.com/84043/student-loans-without-a-cosigner-for-juniors-and-seniors/">93% of private undergraduate loans require a cosigner</a>.</p><p dir="ltr">Each dead end below has a fix, from the federal options most families miss to the handful of private lenders that approve students other lenders won't, along with what those loans cost.</p></div><div class="thrv_wrapper tve_wp_shortcode" data-css="tve-u-1988b5bcd1f" style=""><div class="tve_shortcode_raw" style="display: none"></div><div class="tve_shortcode_rendered"><p style="text-align: center;"><div class="tci-save-this" id="tci-save-this-62352-1" data-post="62352" data-token="ddb8d7ccc178822ab206be4be74544f54a826176773ba735f2f92e46efdceab9" data-consent="yes" data-endpoint="https://thecollegeinvestor.com/wp-json/tci/v1/save-this" data-success="Saved! We&#039;ve emailed you a link to this page."><span class="tci-save-this__kicker">Save For Later</span><h3 class="tci-save-this__heading">Would you like to save this?</h3><p class="tci-save-this__message">We&#039;ll email this article to you, so you can come back to it later!</p><form class="tci-save-this__form" method="post" action="" novalidate><div class="tci-save-this__row"><label class="tci-save-this__sr" for="tci-save-this-62352-1-email">Email Address</label><input class="tci-save-this__email" id="tci-save-this-62352-1-email" type="email" name="email" placeholder="Email Address" autocomplete="email" required><button class="tci-save-this__button" type="submit">Save This</button></div><p class="tci-save-this__consent"><label><input type="checkbox" name="consent" value="1"> <span>By subscribing you agree to our <a href="https://thecollegeinvestor.com/terms-of-service/" target="_blank" rel="noopener">Terms of Service</a> and <a href="https://thecollegeinvestor.com/privacy-policy/" target="_blank" rel="noopener">Privacy Policy</a></span></label></p><div class="tci-save-this__trap" aria-hidden="true"><label>Website<input type="text" name="website" tabindex="-1" autocomplete="off"></label></div></form><p class="tci-save-this__status" role="status" aria-live="polite"></p></div></p></div></div><div class="thrv_wrapper thrv_text_element" data-type="" data-css="tve-u-1988b5b12a4"><h2 dir="ltr">Why Can't You Get A Student Loan?</h2><p dir="ltr">Students get shut out of borrowing for one of three reasons: the federal loan limit is too low to cover the school, a parent or student fails a credit check, or the student has lost federal eligibility altogether. Each has a different fix, so the first step is figuring out which one applies.</p><p dir="ltr">The federal limit problem is the most common. <a href="https://thecollegeinvestor.com/42380/student-loan-borrowing-limits/">Federal Direct Loan limits</a> for dependent undergraduates are $5,500 for freshmen, $6,500 for sophomores, and $7,500 for juniors and seniors, with a $31,000 lifetime cap. Those figures haven't changed in more than a decade. Independent students get $9,500, $10,500, and $12,500, with a $57,500 cap.</p><p dir="ltr">The credit problem hits in two places. Parent PLUS loans require a credit check, and <a href="https://thecollegeinvestor.com/22108/best-private-student-loans/" class="" style="outline: none;">private student loans</a> require either strong credit or a cosigner who has it. A student with no credit history and no cosigner will be declined by nearly every traditional lender.</p><p dir="ltr">The eligibility problem is less common but harder to fix. Students who fail their school's Satisfactory Academic Progress standard, who are in <a href="https://thecollegeinvestor.com/19255/student-loan-default/">default on a prior federal loan</a>, who drop below half-time enrollment, or who attend a school that isn't eligible for Title IV aid can't borrow federal loans at all until the underlying issue is resolved.</p></div><div class="thrv_wrapper thrv_text_element" data-type="" data-css="tve-u-1988b5b12a5"><h2 dir="ltr">What Happens If Your Parent Is Denied A Parent PLUS Loan?</h2><p dir="ltr">A Parent PLUS denial raises the student's own federal loan limit to the independent-student level, which is worth $4,000 a year for freshmen and sophomores and $5,000 a year for juniors and seniors. That extra money comes as a Direct Unsubsidized Loan at the 2026-27 rate of 6.518%, with no credit check. Ask the financial aid office to process it as soon as the denial comes through, because it is not automatic at every school.</p><p dir="ltr">The Department of Education defines <a href="https://thecollegeinvestor.com/47148/denied-a-parent-plus-loan/">adverse credit history</a> as more than $2,085 in debt that is 90 or more days delinquent, in collections, or charged off in the past two years, or a default, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or federal aid write-off in the past five years. A low credit score by itself is not a reason for denial.</p><p dir="ltr">Parents who were denied have two ways to reverse it. An <a href="https://thecollegeinvestor.com/student-loan-debt/parent-plus-loan/">endorser</a>, such as a grandparent or other relative without adverse credit, can cosign the PLUS loan. Or the parent can appeal with documentation of extenuating circumstances, such as a defaulted account where the parent was only an authorized user. Both routes require a 30-minute PLUS credit counseling session, and appeals take about four weeks.</p><p dir="ltr">Before chasing an endorser, run the numbers. A Parent PLUS loan for 2026-27 carries a <a href="https://thecollegeinvestor.com/46523/federal-student-loan-interest-rates/" class="" style="outline: none;">9.068% interest rate</a> and a 4.228% origination fee, and parent borrowers are limited to the Standard Repayment Plan with no access to Public Service Loan Forgiveness. The extra $4,000 to $5,000 in the student's name, combined with a tuition payment plan, closes a gap of that size at a lower cost than reviving the PLUS loan.</p></div><div class="thrv_wrapper thrv_text_element" data-type="" data-css="tve-u-1988b5b12a5"><h2 dir="ltr">What If Your Parent Is Approved But Capped At $20,000?</h2><p dir="ltr">Starting July 1, 2026, <a href="https://thecollegeinvestor.com/79823/new-parent-plus-limits-take-effect-july-1-what-families-need-to-plan-for-fall/">Parent PLUS loans are capped at $20,000 per year and $65,000 per student</a> for the student's entire undergraduate career. Before that date, parents could borrow up to the school's full cost of attendance. A family that was counting on PLUS to cover a $35,000 gap now has a $15,000 hole every year, and the $65,000 lifetime cap means borrowing the full $20,000 for three years leaves only $5,000 for senior year.</p><p dir="ltr">Students who were already enrolled before July 1, 2026, and had a federal loan disbursed before that date may qualify for legacy limits for up to three years, as long as they stay in the same program at the same school. If that's you, confirm it with the aid office before assuming the cap applies.</p><p dir="ltr">For everyone else, the first question is whether the gap should be financed at all. <a href="https://thecollegeinvestor.com/47026/tuition-payment-plans/">Tuition payment plans</a> spread a semester's bill over four or five monthly installments for a flat enrollment fee and no interest, which handles a $5,000 to $8,000 gap without a loan. For larger gaps, parents with good credit should compare a private parent loan against a credit union <a href="https://thecollegeinvestor.com/86258/parent-plus-caps-at-20000-a-year-leaving-cosigners-fewer-options/">education line of credit</a>, which is approved once and drawn each term, with interest only on the amount used.</p><h2 dir="ltr">Which Private Lenders Approve Students Without A Cosigner?</h2><p dir="ltr">Funding U is the only private lender built entirely around students who have no cosigner. It does not require one and will not accept one. For 2026-27, <a href="https://thecollegeinvestor.com/go/fundingu">Funding U</a> lends $3,001 to $20,000 per academic year at fixed rates of 8.49% to 13.99%, with a 0.50% autopay discount, no origination or prepayment fees, and a required in-school payment of $20 a month or interest-only.</p><p dir="ltr">Approval is merit-based rather than credit-based. Funding U looks at GPA, year in school, major, projected earnings, and the school's graduation rate, with no minimum FICO score and no review of parent finances. Borrowers must be U.S. citizens, permanent residents, or DACA recipients, enrolled full-time in a bachelor's program at a nonprofit four-year school in one of 40 eligible states. Upperclassmen with strong grades get the best rates. Read the full <a href="https://thecollegeinvestor.com/34040/funding-u-review/">Funding U review</a> for the details on forbearance and the graduation rewards.</p><p dir="ltr">Juniors and seniors have a second option. <a href="https://thecollegeinvestor.com/go/ascentnocosigner" class="" style="outline: none;">Ascent's outcomes-based loan</a> approves upperclassmen without a cosigner based on GPA (3.0 or higher helps), school, major, and expected earnings, and it is open to DACA students. Ascent doesn't publish a separate rate range for the non-cosigned product, so expect the high end of its undergraduate pricing. The <a href="https://thecollegeinvestor.com/23514/ascent-student-loans-review/">Ascent review</a> covers the differences between its credit-based and outcomes-based loans.</p></div><div class="thrv_wrapper thrv_custom_html_shortcode" data-css="tve-u-1a122f801a2" style=""><div class="tci-nocosign">
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<div class="tci-nocosign-head">Private Student Loans When You Can't Get Approved Elsewhere: <span>2026-27</span></div>
<table>
<thead><tr><th>Feature</th><th>Funding U</th><th>GradBridge</th><th>Ascent (Outcomes-Based)</th></tr></thead>
<tbody>
<tr><td>Best For</td><td data-label="Funding U">Undergrads with no cosigner at all</td><td data-label="GradBridge">Juniors, seniors, and grad students declined by another lender</td><td data-label="Ascent">Juniors and seniors with a 3.0 GPA and no cosigner</td></tr>
<tr><td>Cosigner</td><td data-label="Funding U"><span class="pill pill-no">Not accepted</span></td><td data-label="GradBridge"><span class="pill pill-mix">Required for undergrads</span></td><td data-label="Ascent"><span class="pill pill-no">Not required</span></td></tr>
<tr><td>Who Qualifies</td><td data-label="Funding U">Full-time bachelor's students at nonprofit four-year schools, any class year</td><td data-label="GradBridge">Juniors and above in a four-year program, or graduate students, at 2,000+ schools</td><td data-label="Ascent">Juniors and seniors, including DACA students</td></tr>
<tr><td>Fixed Rates</td><td data-label="Funding U">8.49% to 13.99% (0.50% autopay discount available)</td><td data-label="GradBridge">18.06% to 23.07% APR with autopay</td><td data-label="Ascent">Not broken out. 1.00% autopay discount</td></tr>
<tr><td>Loan Amounts</td><td data-label="Funding U">$3,001 to $20,000 per year</td><td data-label="GradBridge">$5,000 minimum, up to cost of attendance</td><td data-label="Ascent">$2,001 and up, to cost of attendance</td></tr>
<tr><td>Fees</td><td data-label="Funding U"><span class="pill pill-yes">None</span></td><td data-label="GradBridge"><span class="pill pill-no">5% origination fee</span></td><td data-label="Ascent"><span class="pill pill-yes">None</span></td></tr>
<tr><td>In-School Payments</td><td data-label="Funding U">$20 a month or interest-only</td><td data-label="GradBridge">Deferred, interest-only, or $25 a month</td><td data-label="Ascent">Deferred, interest-only, or flat payment</td></tr>
<tr><td>Where Available</td><td data-label="Funding U">40 states</td><td data-label="GradBridge">No state list published. U.S. citizens and permanent residents</td><td data-label="Ascent">Check eligibility by state</td></tr>
<tr><td>Learn More</td><td data-label="Funding U"><a href="https://thecollegeinvestor.com/34040/funding-u-review/">Funding U review</a></td><td data-label="GradBridge"><a href="https://thecollegeinvestor.com/70258/gradbridge-review/">GradBridge review</a></td><td data-label="Ascent"><a href="https://thecollegeinvestor.com/23514/ascent-student-loans-review/">Ascent review</a></td></tr>
</tbody>
</table>
<div class="tci-nocosign-foot">Source: Lender disclosures as of October 2026. Rates change by school year and borrower. The College Investor.</div>
</div></div><div class="thrv_wrapper thrv_text_element" data-type="" data-css="tve-u-1988b5b12a6"><h2 dir="ltr">What If You Were Declined Even With A Cosigner?</h2><p dir="ltr">A second-look lender is the last stop for a family that applied with a cosigner and was still declined. <a href="https://thecollegeinvestor.com/go/gradbridge">GradBridge</a> was built for this reader: juniors, seniors, and graduate students who just missed a traditional lender's approval criteria. Every undergraduate applicant still needs a cosigner, so GradBridge is not an option for a student with no one to cosign. Graduate students can apply alone.</p><p dir="ltr">The trade-off is price. GradBridge's 2026-27 rates, including the 0.25% autopay discount, run 16.89% to 22.04% APR variable and 18.06% to 23.07% APR fixed, plus a 5% origination fee that is added to the loan balance. Loans start at $5,000 and can go up to the school-certified cost of attendance, with 5-, 10-, or 15-year terms and the choice of deferred, interest-only, or $25-a-month payments while in school. Decisions come back in under 15 minutes, and GradBridge can cover past-due balances up to a year old, which no other lender on this page will do.</p><p dir="ltr">Before applying, read the adverse action notice from the lender that declined you. Private lenders must tell you why, and the notice points to the fix, such as a different cosigner with a lower debt-to-income ratio or a smaller loan request. If the gap is $10,000 or less, a tuition payment plan or a financial aid appeal almost always beats an 18% loan. The <a href="https://thecollegeinvestor.com/70258/gradbridge-review/">GradBridge review</a> rates it 3.5 out of 5 for that reason: it works, and it is expensive.</p><h3 dir="ltr">What A $10,000 Gap Costs At Each Rate</h3><p dir="ltr">Borrowing $10,000 on a 10-year term costs $3,637 in interest at the 2026-27 federal unsubsidized rate of 6.518%, $8,625 at Funding U's top rate of 13.99%, and $12,752 at GradBridge's lowest fixed rate of 18.06% once the 5% origination fee is added to the balance. At GradBridge's top rate of 23.07%, the same $10,000 costs $16,968 to repay, or $225 a month for a decade. Those figures assume repayment starts right away. Deferring payments through school adds accrued interest on top.</p><p dir="ltr">That math is why the order of operations matters. Every dollar of <a href="https://thecollegeinvestor.com/42380/student-loan-borrowing-limits/">Direct Loan eligibility</a>, including the extra unsubsidized amount after a PLUS denial, should be used before a single dollar of private money.</p><h2 dir="ltr">How Do You Get Federal Aid Back If You Lost It?</h2><p dir="ltr">Students who lost federal eligibility can get it back, and it is worth the effort because federal loans and Pell Grants are the cheapest money available. The three common causes each have a defined path back, and two of them can be resolved within a semester.</p><p dir="ltr">A failed Satisfactory Academic Progress review (a GPA under 2.0 or completing fewer than two-thirds of attempted credits, at most schools) can be appealed in writing. These <a href="https://thecollegeinvestor.com/63583/sap-appeal-example-letters/">SAP appeal letters</a> need a documented reason, such as illness or a family emergency, and a plan for getting back on track.</p><p dir="ltr">A defaulted federal loan blocks all new federal aid until it is resolved. <a href="https://thecollegeinvestor.com/student-loan-debt/student-loan-rehabilitation/">Loan rehabilitation</a> takes nine on-time payments over ten months and removes the default from your credit report. Consolidation is faster, restoring eligibility as soon as the new loan is made, but the default stays on your record.</p><p dir="ltr">Dropping below half-time enrollment ends Direct Loan eligibility, so a student working full-time and taking one class can't borrow. Returning to at least half-time, which is six credits at most schools, restores it. Students at schools that aren't eligible for federal aid, including some unaccredited and <a href="https://thecollegeinvestor.com/student-loan-debt/for-profit-college/" class="" style="outline: none;">for-profit programs</a>, have no federal path and should treat that as a reason to transfer.</p><h2 dir="ltr">How Do You Pay For College Without A Loan?</h2><p dir="ltr">The cheapest way to close a funding gap is to shrink it. A <a href="https://thecollegeinvestor.com/save-and-pay-for-college/financial-aid-appeal/">financial aid appeal</a> asks the school to revisit its award based on a change in family finances, such as a job loss, a medical bill, or a divorce, and the aid office can use professional judgment to adjust the award. A competing offer from a similar school can also work.</p><p dir="ltr"><a href="https://thecollegeinvestor.com/37529/community-college/">Community college</a> is free or nearly free in more than 30 states for students who qualify, and two years there before transferring removes two years of four-year tuition from the bill. Living at home instead of in a dorm removes the room and board line, which runs $10,000 to $15,000 a year at most four-year schools.</p><p dir="ltr"><a href="https://thecollegeinvestor.com/save-and-pay-for-college/tuition-assistance-program/">Employer tuition assistance</a> pays up to $5,250 a year tax-free, and some employers pay more. <a href="https://thecollegeinvestor.com/save-and-pay-for-college/scholarship/">Scholarships</a> from local foundations, professional associations, and state agencies are still open after the big national deadlines pass.</p><p dir="ltr"><a href="https://thecollegeinvestor.com/43855/defer-enrollment-in-college/">Deferring enrollment</a> for a year to work and save is a legitimate option, not a failure. So is <a href="https://thecollegeinvestor.com/39001/where-to-apply-to-college-finding-academic-and-financial-fit/">choosing a school where federal loans and family resources cover the full cost</a>. A degree financed at 20% interest is a worse outcome than the same degree from a cheaper school a year later.</p></div><div class="thrv_wrapper thrv_custom_html_shortcode" data-css="tve-u-1a122f86bef" style=""><div class="tci-loanladder">
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<div class="tci-loanladder-head">Can't Get A Student Loan? Where To Turn, <span>In Order</span></div>
<table>
<thead><tr><th>Your Situation</th><th>First Move</th><th>What It's Worth</th></tr></thead>
<tbody>
<tr><td>Parent PLUS Denied For Credit</td><td data-label="First Move">Ask the aid office for the independent-student loan limit, then consider an endorser or appeal</td><td data-label="What It's Worth">$4,000 to $5,000 more per year in federal loans, no credit check</td></tr>
<tr><td>Parent PLUS Approved But Capped</td><td data-label="First Move">Check legacy eligibility if enrolled before July 1, 2026. Compare a tuition payment plan or a credit union education line of credit</td><td data-label="What It's Worth">Legacy status restores borrowing up to cost of attendance for up to three years</td></tr>
<tr><td>Lost Federal Eligibility (SAP Or Default)</td><td data-label="First Move">File a SAP appeal, or rehabilitate or consolidate a defaulted loan</td><td data-label="What It's Worth">Restores Direct Loans and Pell Grants, the cheapest money available</td></tr>
<tr><td>No Cosigner For A Private Loan</td><td data-label="First Move">Apply to a no-cosigner lender such as Funding U, or Ascent if you're a junior or senior</td><td data-label="What It's Worth">Up to $20,000 a year at 8.49% to 13.99% fixed, with no fees</td></tr>
<tr><td>Declined Even With A Cosigner</td><td data-label="First Move">Fix the reason on the adverse action notice, then try a second-look lender such as GradBridge</td><td data-label="What It's Worth">Covers the gap, but at 18% to 23% APR plus a 5% fee</td></tr>
<tr><td>Any Gap Over $10,000 A Year</td><td data-label="First Move">Ask for a financial aid appeal, then price a lower-cost school, community college, or a deferred start</td><td data-label="What It's Worth">Can erase the gap entirely instead of financing it at double-digit rates</td></tr>
</tbody>
</table>
<div class="tci-loanladder-foot">Source: Federal Student Aid, lender disclosures. The College Investor.</div>
</div></div><div class="thrv_wrapper thrv_text_element">	<h2 dir="ltr">What Should Families Do Next?</h2><p dir="ltr">Work the list in order: federal loans first (including the PLUS-denial increase), then a financial aid appeal and a payment plan, then a no-cosigner lender like Funding U, then a second-look lender like GradBridge, and only for a gap you can't shrink. The further down the list you go, the more the degree costs and the fewer protections the loan carries.</p><p dir="ltr">The inability to borrow can feel like the end of the college plan. Treat it instead as a signal that the plan was built on debt the family couldn't afford. The families that come out ahead are the ones who treat a loan denial as a reason to <a href="https://thecollegeinvestor.com/39001/where-to-apply-to-college-finding-academic-and-financial-fit/">rethink the school choice</a>, not as a reason to pay any price for the original one.</p><h2 dir="ltr">Frequently Asked Questions</h2><h3 dir="ltr">Can You Get A Student Loan With Bad Credit?</h3><p dir="ltr">Yes. Federal Direct Subsidized and Unsubsidized Loans have no credit check, so a student's credit score never affects approval. Parent PLUS loans check for adverse credit history (serious delinquencies, default, bankruptcy, or foreclosure), not a minimum score. Private lenders do check credit, and a student with bad credit will need a cosigner or a <a href="https://thecollegeinvestor.com/34040/funding-u-review/">no-cosigner lender like Funding U</a> that weighs academics instead.</p><h3 dir="ltr">Can I Get A Student Loan With No Credit History?</h3><p dir="ltr">Yes. Federal Direct Loans don't require any credit history. For private loans, <a href="https://thecollegeinvestor.com/go/fundingu">Funding U</a> and Ascent's outcomes-based loan approve students with no credit history based on GPA, school, and major. Traditional private lenders will require a cosigner.</p><h3 dir="ltr">What Happens If My Parent PLUS Loan Is Denied?</h3><p dir="ltr">The student becomes eligible for the independent-student federal loan limit, which adds $4,000 a year for freshmen and sophomores and $5,000 a year for juniors and seniors in Direct Unsubsidized Loans. The parent can also <a href="https://thecollegeinvestor.com/47148/denied-a-parent-plus-loan/">appeal the denial or add an endorser</a> after completing PLUS credit counseling.</p><h3 dir="ltr">Can I Appeal A Private Student Loan Denial?</h3><p dir="ltr">Private lenders don't have a formal appeal process the way the Department of Education does, but you can reapply. The adverse action notice states the reason for denial. Fixing that reason, whether by adding a stronger cosigner, lowering the amount, or waiting for a delinquency to age off, and reapplying is the private-loan equivalent of an appeal. A <a href="https://thecollegeinvestor.com/70258/gradbridge-review/">second-look lender like GradBridge</a> is the alternative if reapplying fails.</p><h3 dir="ltr">What If Financial Aid Is Not Enough To Cover Tuition?</h3><p dir="ltr">Start with a <a href="https://thecollegeinvestor.com/save-and-pay-for-college/financial-aid-appeal/">financial aid appeal</a> if your family's finances have changed since the FAFSA, then ask the bursar about a tuition payment plan, which spreads the bill over the semester for a small flat fee. If a loan is still needed, use every dollar of federal eligibility before a private loan, and compare no-cosigner options before a second-look loan.</p><h3 dir="ltr">Does Funding U Require A Cosigner?</h3><p dir="ltr">No. Funding U never requires a cosigner and won't accept one, and it doesn't review parent income or credit. Approval is based on the student's academic record, year in school, major, and the school's graduation rate. The <a href="https://thecollegeinvestor.com/34040/funding-u-review/">Funding U review</a> covers the full eligibility list.</p><h3 dir="ltr">What Is A Second-Look Student Loan?</h3><p dir="ltr">A second-look loan is a private student loan designed for applicants who were declined by a traditional lender but came close to qualifying. <a href="https://thecollegeinvestor.com/70258/gradbridge-review/">GradBridge</a> is the main lender in this space, serving juniors, seniors, and graduate students. Rates run 16.89% to 23.07% APR with a 5% origination fee, so it belongs at the bottom of the list.</p><h3 dir="ltr">Can I Get A Student Loan If I'm In Default?</h3><p dir="ltr">Not a federal one, until the default is resolved. <a href="https://thecollegeinvestor.com/student-loan-debt/student-loan-rehabilitation/">Rehabilitation</a> (nine on-time payments over ten months) or consolidation restores federal aid eligibility. Private lenders will see the default on your credit report and will require a cosigner, if they approve the loan at all.</p></div><div class="tcb_flag" style="display: none"></div>
<div class="editor-reviewer"><p><span class="edited-by"><svg xmlns="http://www.w3.org/2000/svg" class="icon icon-tabler icon-tabler-circle-check" width="24" height="24" viewBox="0 0 24 24" stroke-width="2" stroke="currentColor" fill="none" stroke-linecap="round" stroke-linejoin="round">
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     </svg> Editor: <a href="https://thecollegeinvestor.com/author/cgraves/">Colin Graves</a></span> </p></div><p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/62352/what-to-do-if-you-cant-get-a-student-loan-for-college/">What To Do If You Can’t Get A Student Loan For College</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
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		<title>California Parents Are Voting For A State Superintendent Who Won’t Run The Department Of Education</title>
		<link>https://thecollegeinvestor.com/90254/california-parents-are-voting-for-a-state-superintendent-who-wont-run-the-department-of-education/</link>
					<comments>https://thecollegeinvestor.com/90254/california-parents-are-voting-for-a-state-superintendent-who-wont-run-the-department-of-education/#respond</comments>
		
		<dc:creator><![CDATA[Robert Farrington]]></dc:creator>
		<pubDate>Fri, 09 Oct 2026 22:49:03 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[Education]]></category>
		<guid isPermaLink="false">https://thecollegeinvestor.com/?p=90254</guid>

					<description><![CDATA[<p>California is splitting its top K-12 job in two. Here's what the state superintendent will and won't do after January 2027, what the new governor-appointed education commissioner controls, and where accountability lands for families.</p>
<p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/90254/california-parents-are-voting-for-a-state-superintendent-who-wont-run-the-department-of-education/">California Parents Are Voting For A State Superintendent Who Won’t Run The Department Of Education</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
]]></description>
										<content:encoded><![CDATA[<div class="wp-block-image">
<figure class="aligncenter size-full"><img fetchpriority="high" decoding="async" width="1200" height="800" src="https://thecollegeinvestor.com/wp-content/uploads/2026/10/California-State-Capitol.jpg" alt="California State Capitol" class="wp-image-90256" srcset="https://thecollegeinvestor.com/wp-content/uploads/2026/10/California-State-Capitol.jpg 1200w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/California-State-Capitol-300x200.jpg 300w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/California-State-Capitol-1024x683.jpg 1024w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/California-State-Capitol-768x512.jpg 768w" sizes="(max-width: 1200px) 100vw, 1200px" /></figure>
</div>


<div class="wp-block-group is-style-tci-keypoints"><div class="wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow">
<p class="tci-kp-label wp-block-paragraph">Key Points</p>



<ul class="wp-block-list">
<li>Starting January 15, 2027, a governor-appointed education commissioner takes over the California Department of Education. The elected state superintendent keeps the title but loses the department.</li>



<li>Sonja Shaw and Richard Barrera are running on November 3 for a job whose description won&#8217;t be written until mid-2027. Both oppose the new law. Shaw says she&#8217;ll sue.</li>



<li>Nothing changes at your child&#8217;s school in January. What changes is who answers for statewide results: the governor now owns the department that runs the programs.</li>
</ul>
</div></div>



<p class="wp-block-paragraph">California voters will vote for a new state superintendent of public instruction on November 3, and the winner won&#8217;t run the California Department of Education. </p>



<p class="wp-block-paragraph">Under <a href="https://news.ballotpedia.org/2026/07/20/gov-gavin-newsom-signs-bill-overhauling-californias-public-school-governance/" target="_blank" rel="noopener">Assembly Bill 181</a>, signed by Gov. Gavin Newsom on July 10, a governor-appointed education commissioner takes over the department in January 2027. The elected superintendent gets a vote on the State Board of Education, a seat on the community college board, a staff of about a dozen, and six months to negotiate what the job even is supposed to do. </p>



<p class="wp-block-paragraph">If you&#8217;re a parent trying to figure out who to credit or blame for your kid&#8217;s reading scores, or whether the <a href="https://thecollegeinvestor.com/77443/colleges-are-requiring-sat-and-act-scores-again-heres-the-full-list-for-2027/">SAT is coming back to UC admissions</a>, the management structure of state education accountability just changed.</p>


<div class="tci-save-this" id="tci-save-this-90254-2" data-post="90254" data-token="d150ffe9ddf6c72d365a90aaa02a04d8094e996932db61be1db611994fdd35e6" data-consent="yes" data-endpoint="https://thecollegeinvestor.com/wp-json/tci/v1/save-this" data-success="Saved! We&#039;ve emailed you a link to this page."><span class="tci-save-this__kicker">Save For Later</span><h3 class="tci-save-this__heading">Would you like to save this?</h3><p class="tci-save-this__message">We&#039;ll email this article to you, so you can come back to it later!</p><form class="tci-save-this__form" method="post" action="" novalidate><div class="tci-save-this__row"><label class="tci-save-this__sr" for="tci-save-this-90254-2-email">Email Address</label><input class="tci-save-this__email" id="tci-save-this-90254-2-email" type="email" name="email" placeholder="Email Address" autocomplete="email" required><button class="tci-save-this__button" type="submit">Save This</button></div><p class="tci-save-this__consent"><label><input type="checkbox" name="consent" value="1"> <span>By subscribing you agree to our <a href="https://thecollegeinvestor.com/terms-of-service/" target="_blank" rel="noopener">Terms of Service</a> and <a href="https://thecollegeinvestor.com/privacy-policy/" target="_blank" rel="noopener">Privacy Policy</a></span></label></p><div class="tci-save-this__trap" aria-hidden="true"><label>Website<input type="text" name="website" tabindex="-1" autocomplete="off"></label></div></form><p class="tci-save-this__status" role="status" aria-live="polite"></p></div>



<h2 class="wp-block-heading">What Does AB 181 Actually Change?</h2>



<p class="wp-block-paragraph">AB 181 moves day-to-day control of the California Department of Education from the elected superintendent to an education commissioner appointed by the governor and confirmed by the state Senate. </p>



<p class="wp-block-paragraph">The department has roughly 2,500 employees and a proposed 2026-27 operating budget of about $299 million, according to <a href="https://edsource.org/2026/what-does-the-state-superintendent-actually-do-and-how-might-that-drastically-change/749965" target="_blank" rel="noopener">EdSource&#8217;s breakdown of the office</a>. It distributes state and federal school funds, monitors district compliance, carries out the standards the State Board adopts, and collects the test and spending data behind the <a href="https://www.caschooldashboard.org/" target="_blank" rel="noopener">California School Dashboard</a>. All of that now reports directly to the governor.</p>



<p class="wp-block-paragraph">The superintendent stays an elected, nonpartisan office with a smaller footprint. The State Board of Education grows from 11 to 13 members, and the superintendent takes one of the new seats. The superintendent also joins the Community College Board of Governors and keeps seats on the UC Board of Regents and CSU Board of Trustees, the bodies that decide <a href="https://thecollegeinvestor.com/73914/what-families-really-pay-for-college-out-of-pocket/">what families really pay for college</a> in California. </p>



<p class="wp-block-paragraph">The rest is unwritten: the law directs the new superintendent and commissioner to spend the first six months of 2027 working out a job description, which goes to the Legislature in fall 2027 for approval. The bill passed 21-4 in the Senate and 52-5 in the Assembly inside the budget package, over objections from the California Teachers Association and termed-out superintendent <a href="https://thecollegeinvestor.com/78544/tony-thurmond-backs-billionaire-tax-for-k-14-schools-as-he-runs-for-california-governor/">Tony Thurmond</a>.</p>



<h2 class="wp-block-heading">Who Is Running, And What Did They Say In The Only Debate?</h2>



<p class="wp-block-paragraph">The two candidates for office are Sonja Shaw, president of the Chino Valley Unified school board, and Richard Barrera, president of the San Diego Unified board.</p>



<p class="wp-block-paragraph">Both chair boards that send thousands of graduates into a UC system that currently admits on <a href="https://thecollegeinvestor.com/42037/how-to-calculate-your-gpa-and-convert-your-grades/">GPA and coursework</a> with no test scores.</p>



<p class="wp-block-paragraph">Their one debate on October 7 spent most of its hour on testing, parental rights, LGBTQ+ students, and President Trump, <a href="https://edsource.org/2026/california-superintendent-candidates-debate/767704" target="_blank" rel="noopener">EdSource&#8217;s Thomas Peele reported</a>. Shaw said, &#8220;<em>More than half of our kids cannot read and write and do math, that&#8217;s priority number one.</em>&#8221; The state&#8217;s own numbers back that up: <a href="https://www.cde.ca.gov/nr/ne/yr25/yr25rel43.asp" target="_blank" rel="noopener">48.8% of students met or exceeded the English standard</a> on 2024-25 state tests, and 37.3% did in math. Meanwhile, Barrera says the job to catch-up should belong to the UC system.</p>



<p class="wp-block-paragraph">Barrera described the job as &#8220;an organizer&#8221; who would build coalitions around goals the state doesn&#8217;t currently have. The two split on whether UC should bring back the SAT, a question the Board of Regents is expected to decide next year with the superintendent voting, and one that changes the math on <a href="https://thecollegeinvestor.com/45307/best-sat-test-prep/">SAT prep spending</a> for every California junior.</p>



<p class="wp-block-paragraph">Neither candidate supports AB 181. Shaw called it an &#8220;<em>unprecedented, unconstitutional power grab</em>&#8221; and says she&#8217;ll sue to keep the office as it was. Barrera says he&#8217;ll work with the commissioner but told the governor and Legislature, &#8220;<em>you don&#8217;t get to define my job.</em>&#8221; </p>



<p class="wp-block-paragraph">Both are campaigning for authority the law no longer gives them, so the votes they will actually hold on the State Board and the UC Regents are the better basis for judging them, the same way a funded <a href="https://thecollegeinvestor.com/student-loan-forgiveness-programs-by-state/california-student-loan-forgiveness-programs/">California loan forgiveness program</a> matters more than just what&#8217;s written on paper.</p>



<h2 class="wp-block-heading">Where Does Accountability Land Now?</h2>



<p class="wp-block-paragraph">Accountability for education in the state moves from the elected superintendent to the governor. The case for AB 181 came from a December 2025 report by Policy Analysis for California Education, which found that the governor and State Board created programs while a separately elected superintendent carried them out, so &#8220;no one was accountable for running programs well.&#8221; </p>



<p class="wp-block-paragraph">After January, the governor appoints the commissioner who runs the department and the 10 governor-picked members of the board that sets policy. When a literacy initiative or transitional kindergarten rollout stalls, that&#8217;s one office to call. </p>



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<div class="tci-cagov-head">Who Runs California&#8217;s Schools: Before And After <span>AB 181</span></div>
<table>
<thead><tr><th>Role</th><th>State Superintendent (Through 2026)</th><th>State Superintendent (From 2027)</th><th>Education Commissioner (From 2027)</th></tr></thead>
<tbody>
<tr><td>How They Get The Job</td><td data-label="Superintendent (Through 2026)">Elected statewide, nonpartisan</td><td data-label="Superintendent (From 2027)">Elected statewide, nonpartisan</td><td data-label="Commissioner (From 2027)">Appointed by the governor, confirmed by the state Senate</td></tr>
<tr><td>Runs The Department Of Education</td><td data-label="Superintendent (Through 2026)">Yes, about 2,500 employees</td><td data-label="Superintendent (From 2027)">No</td><td data-label="Commissioner (From 2027)">Yes, takes over all department duties</td></tr>
<tr><td>Sets Standards And Policy</td><td data-label="Superintendent (Through 2026)">No, the State Board does</td><td data-label="Superintendent (From 2027)">One vote on a 13-member State Board</td><td data-label="Commissioner (From 2027)">Carries out State Board policy</td></tr>
<tr><td>Higher Education Boards</td><td data-label="Superintendent (Through 2026)">UC Regents, CSU Trustees (nonvoting)</td><td data-label="Superintendent (From 2027)">UC Regents, CSU Trustees, Community College Board of Governors (voting)</td><td data-label="Commissioner (From 2027)">None</td></tr>
<tr><td>Staff</td><td data-label="Superintendent (Through 2026)">The full department</td><td data-label="Superintendent (From 2027)">About a dozen</td><td data-label="Commissioner (From 2027)">The full department</td></tr>
<tr><td>Main Job</td><td data-label="Superintendent (Through 2026)">Run programs, distribute funds, enforce rules</td><td data-label="Superintendent (From 2027)">Evaluate programs, public voice for families, to be negotiated in 2027</td><td data-label="Commissioner (From 2027)">Run programs, distribute funds, enforce rules</td></tr>
</tbody>
</table>
<div class="tci-cagov-foot">Source: AB 181, EdSource, California Department of Education. The College Investor.</div>
</div>



<p class="wp-block-paragraph">The superintendent&#8217;s new role becomes that of an commentator with a microphone: evaluate programs for the Legislature, serve as an independent public voice, and vote on the boards that set policy. </p>



<h2 class="wp-block-heading">What Does This Mean For California Families?</h2>



<p class="wp-block-paragraph">Your child&#8217;s school won&#8217;t change on January 15. Local boards still hire principals and adopt curriculum, and state funding still flows by formula. </p>



<p class="wp-block-paragraph">What changes is the chain of command above the district: the person to hold responsible for statewide outcomes is now whoever wins the governor chooses. The superintendent&#8217;s influence shifts toward the higher education boards, which is where the decisions like <a href="https://thecollegeinvestor.com/88296/uc-san-diegos-remedial-math-class-is-full-reigniting-the-debate-over-test-requirements/">test optional policies live</a>.</p>



<p class="wp-block-paragraph">The superintendent vote still matters in three places. The winner votes on the State Board, votes as a UC regent on whether standardized testing returns, and sits on the boards that set CSU and community college policy, including the <a href="https://thecollegeinvestor.com/81010/cal-state-approves-3-year-bachelors-degrees-across-all-22-campuses/">three-year bachelor&#8217;s degrees CSU just approved</a>. </p>



<p class="wp-block-paragraph">Financial aid is untouched: <a href="https://thecollegeinvestor.com/50554/how-to-apply-for-a-cal-grant/">Cal Grants</a> and the <a href="https://thecollegeinvestor.com/75968/california-budget-proposal-more-college-funding-less-middle-class-financial-aid/">Middle Class Scholarship</a> run through the California Student Aid Commission, not the Department of Education.</p>



<h2 class="wp-block-heading">What Happens Next?</h2>



<p class="wp-block-paragraph">On November 3, voters pick both the superintendent and the governor who will appoint the commissioner. The law takes effect January 15, 2027, when the commissioner takes the department. </p>



<p class="wp-block-paragraph">By June 30, 2027, the commissioner owes the Legislature a plan to fund the superintendent&#8217;s duties, with a final report on streamlining state oversight due October 1, 2027. </p>



<p class="wp-block-paragraph">If Shaw wins and sues, add a court date to the calendar. </p>



<p class="wp-block-paragraph">For families, the near-term work doesn&#8217;t change: watch the UC Regents&#8217; testing decision, check your district&#8217;s dashboard scores, and run the <a href="https://thecollegeinvestor.com/47755/college-roi-calculator/">college ROI math</a> on the schools your student is targeting, because none of that waits for Sacramento to finish its org chart.</p>



<h2 class="wp-block-heading">Frequently Asked Questions</h2>



<h3 class="wp-block-heading">Does The Education Commissioner Replace The State Superintendent?</h3>



<p class="wp-block-paragraph">No. The superintendent remains an elected statewide office. The commissioner, appointed by the governor and confirmed by the Senate, takes over running the California Department of Education on January 15, 2027. The superintendent keeps board seats and a small staff while the two negotiate the rest of the job.</p>



<h3 class="wp-block-heading">Can The New Superintendent Sue To Block AB 181?</h3>



<p class="wp-block-paragraph">Sonja Shaw says she will, arguing the law is unconstitutional. The California Constitution created the office but left most of its duties to the Legislature to define. Richard Barrera has not said he would sue.</p>



<h3 class="wp-block-heading">Will AB 181 Change Anything At My Child&#8217;s School This Year?</h3>



<p class="wp-block-paragraph">No. Local districts still run schools, and state funding formulas don&#8217;t change. The law reorganizes who manages the state department and who sets statewide policy, which affects program rollouts and accountability over time, not daily operations in January.</p>
<div class="editor-reviewer"><p><span class="edited-by"><svg xmlns="http://www.w3.org/2000/svg" class="icon icon-tabler icon-tabler-circle-check" width="24" height="24" viewBox="0 0 24 24" stroke-width="2" stroke="currentColor" fill="none" stroke-linecap="round" stroke-linejoin="round">
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		<title>Cleveland State Will Cover Tuition For Ohio Students From Families Earning $125,000 Or Less</title>
		<link>https://thecollegeinvestor.com/90244/cleveland-state-free-tuition/</link>
					<comments>https://thecollegeinvestor.com/90244/cleveland-state-free-tuition/#respond</comments>
		
		<dc:creator><![CDATA[Robert Farrington]]></dc:creator>
		<pubDate>Fri, 09 Oct 2026 18:05:20 +0000</pubDate>
				<category><![CDATA[News]]></category>
		<category><![CDATA[College]]></category>
		<guid isPermaLink="false">https://thecollegeinvestor.com/?p=90244</guid>

					<description><![CDATA[<p>Cleveland State University will cover tuition for Ohio students with a 3.0 GPA and family income of $125,000 or less starting fall 2027. </p>
<p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/90244/cleveland-state-free-tuition/">Cleveland State Will Cover Tuition For Ohio Students From Families Earning $125,000 Or Less</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
]]></description>
										<content:encoded><![CDATA[<div class="wp-block-image">
<figure class="aligncenter size-full"><img decoding="async" width="1200" height="800" src="https://thecollegeinvestor.com/wp-content/uploads/2026/10/Cleveland-Ohio.jpg" alt="Cleveland, Ohio: Auguste Rodin Statue in front of The Cleveland Museum of Art." class="wp-image-90246" srcset="https://thecollegeinvestor.com/wp-content/uploads/2026/10/Cleveland-Ohio.jpg 1200w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Cleveland-Ohio-300x200.jpg 300w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Cleveland-Ohio-1024x683.jpg 1024w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Cleveland-Ohio-768x512.jpg 768w" sizes="(max-width: 1200px) 100vw, 1200px" /></figure>
</div>


<p class="wp-block-paragraph">Cleveland State University announced the <a href="https://www.csuohio.edu/cleveland-state-commitment" target="_blank" rel="noopener">Cleveland State Commitment</a> on October 9, 2026 with a promise of $0 tuition for Ohio first-year students whose families have an adjusted gross income of $125,000 or less. </p>



<p class="wp-block-paragraph">The university&#8217;s Board of Trustees approved the program that morning. It starts in fall 2027, requires a 3.0 high school GPA, and covers up to eight consecutive semesters. Like most <a href="https://thecollegeinvestor.com/39431/tuition-free-colleges/">tuition-free college programs</a>, it is a last-dollar award: CSU pays whatever tuition is left after federal and <a href="https://thecollegeinvestor.com/student-loan-financial-aid-by-state/">state grants and scholarships</a> are applied.</p>



<p class="wp-block-paragraph">Eligibility runs through the FAFSA, and families must re-confirm their income every year. The <a href="https://thecollegeinvestor.com/88865/the-2027-28-fafsa-is-now-open-to-every-family/">2027-28 FAFSA is already open</a>, so students graduating high school in spring 2027 can file now.</p>


<div class="tci-save-this" id="tci-save-this-90244-3" data-post="90244" data-token="8e3afcf9eefc209386d0dff34e90cf1c393991fc2742adaf7ee4f9533ca7eebc" data-consent="yes" data-endpoint="https://thecollegeinvestor.com/wp-json/tci/v1/save-this" data-success="Saved! We&#039;ve emailed you a link to this page."><span class="tci-save-this__kicker">Save For Later</span><h3 class="tci-save-this__heading">Would you like to save this?</h3><p class="tci-save-this__message">We&#039;ll email this article to you, so you can come back to it later!</p><form class="tci-save-this__form" method="post" action="" novalidate><div class="tci-save-this__row"><label class="tci-save-this__sr" for="tci-save-this-90244-3-email">Email Address</label><input class="tci-save-this__email" id="tci-save-this-90244-3-email" type="email" name="email" placeholder="Email Address" autocomplete="email" required><button class="tci-save-this__button" type="submit">Save This</button></div><p class="tci-save-this__consent"><label><input type="checkbox" name="consent" value="1"> <span>By subscribing you agree to our <a href="https://thecollegeinvestor.com/terms-of-service/" target="_blank" rel="noopener">Terms of Service</a> and <a href="https://thecollegeinvestor.com/privacy-policy/" target="_blank" rel="noopener">Privacy Policy</a></span></label></p><div class="tci-save-this__trap" aria-hidden="true"><label>Website<input type="text" name="website" tabindex="-1" autocomplete="off"></label></div></form><p class="tci-save-this__status" role="status" aria-live="polite"></p></div>



<h2 class="wp-block-heading">Why It Matters</h2>



<p class="wp-block-paragraph">Over the last several years, more and more colleges have been promoting <a href="https://thecollegeinvestor.com/39431/tuition-free-colleges/">free tuition programs</a> for low- and middle-income families.</p>



<p class="wp-block-paragraph">When comparing offers, the $125,000 cap reaches further up the income ladder than most public-university promise programs. CSU says about 73% of Ohio households fall under that line, and that the program is aimed at middle income families earning $75,000 to $125,000 who receive little grant aid but still find the price of college out of reach. </p>



<p class="wp-block-paragraph">The University of Akron&#8217;s Making Akron Possible grant, by comparison, covers tuition for families earning $85,000 or less, a threshold the school <a href="https://www.uakron.edu/im/news/making-akron-possible-grant-is-expanded-becoming-one-of-the-best-value-scholarship-programs-for-students-in-northeast-ohio" target="_blank" rel="noopener">raised from $50,000 in 2024</a>. Ohio&#8217;s other <a href="https://thecollegeinvestor.com/student-loan-financial-aid-by-state/ohio/">state aid programs, including the Ohio College Opportunity Grant</a>, target lower-income families.</p>



<p class="wp-block-paragraph">It&#8217;s important to remember that tuition is only part of the bill. The <a href="https://thecollegeinvestor.com/33309/average-cost-of-college/">average cost of attendance at a four-year public college</a> was $23,990 for 2025-26 with room and board included, and the Cleveland State Commitment does not include housing, meals, books, transportation, or program-specific fees. A commuting student could get close to a $0 bill, while a student living on campus will still owe thousands a year.</p>



<h2 class="wp-block-heading">Who Qualifies And What It Covers</h2>



<style> .tci-csu-commit{border:2px solid #141414;border-radius:8px;overflow:hidden;font-family:inherit;color:#141414;margin:1.5em 0;background:#fff} .tci-csu-commit .tci-hd{background:#141414;color:#fff;padding:14px 18px;font-size:1.1em;font-weight:700} .tci-csu-commit .tci-hd span{color:#f6c061} .tci-csu-commit table{width:100%;border-collapse:collapse} .tci-csu-commit th{background:#f9f7f5;text-align:left;padding:10px 14px;font-size:.78em;letter-spacing:.06em;text-transform:uppercase;color:#55504a;border-bottom:1px solid #e5e0d8} .tci-csu-commit td{padding:11px 14px;border-bottom:1px solid #e5e0d8;vertical-align:top;font-size:.95em} .tci-csu-commit tr:nth-child(even) td{background:#fcfbf9} .tci-csu-commit td:first-child{font-weight:700;width:34%} .tci-csu-commit .pill{display:inline-block;padding:2px 9px;border-radius:999px;font-size:.8em;font-weight:700} .tci-csu-commit .yes{background:#dff3e4;color:#14532d} .tci-csu-commit .no{background:#fde2e2;color:#7f1d1d} .tci-csu-commit .tci-ft{background:#f9f7f5;padding:9px 14px;font-size:.78em;color:#8a8378} @media (max-width:640px){ .tci-csu-commit thead{display:none} .tci-csu-commit tr{display:block;border-bottom:1px solid #e5e0d8;padding:6px 0} .tci-csu-commit td{display:block;border:none;padding:4px 14px} .tci-csu-commit td:first-child{width:auto;padding-top:8px} } </style> <div class="tci-csu-commit"> <div class="tci-hd">Cleveland State Commitment: <span>$0 Tuition</span> Starting Fall 2027</div> <table> <thead><tr><th>Requirement</th><th>Rule</th></tr></thead> <tbody> <tr><td>Who Is Eligible</td><td>Ohio residents entering CSU as new, full-time, degree-seeking first-year students in fall 2027</td></tr> <tr><td>High School GPA</td><td>3.0 or higher, spring 2027 graduate</td></tr> <tr><td>Family Income</td><td>Adjusted gross income of $125,000 or less, confirmed each year on the FAFSA</td></tr> <tr><td>How Long It Lasts</td><td>Up to eight consecutive semesters</td></tr> <tr><td>To Keep It</td><td>Maintain a 2.0 GPA, full-time enrollment, and the income limit</td></tr> <tr><td>Tuition</td><td><span class="pill yes">Covered</span> after federal and state grants and scholarships</td></tr> <tr><td>Housing, Meals, Books, Transportation, Program Fees</td><td><span class="pill no">Not Covered</span></td></tr> <tr><td>Transfer And Current Students</td><td><span class="pill no">Not Eligible</span></td></tr> </tbody> </table> <div class="tci-ft">Source: Cleveland State University. The College Investor.</div> </div>



<h2 class="wp-block-heading">How This Connects</h2>



<p class="wp-block-paragraph">The CSU press release says many students are choosing work over college because of cost, but that long term earnings numbers still favor a college degree. </p>



<p class="wp-block-paragraph">The <a href="https://cew.georgetown.edu/cew-reports/collegepayoff2021/" target="_blank" rel="noopener">Georgetown Center on Education and the Workforce</a> puts median lifetime earnings at $2.8 million for bachelor&#8217;s degree holders and $1.6 million for workers with only a high school diploma, which is a $1.2 million gap over a lifetime. </p>



<p class="wp-block-paragraph">Our take is that <a href="https://thecollegeinvestor.com/7868/college-worth-investment/">college is still a worthwhile investment</a> <span style="text-decoration: underline;">when the price is right</span>, and a last-dollar tuition promise at a public university is one of the cleaner ways to get the price right. Graduates who stay in the state can also stack this with <a href="https://thecollegeinvestor.com/student-loan-forgiveness-programs-by-state/ohio-student-loan-forgiveness-programs/">Ohio&#8217;s student loan forgiveness programs</a> for teachers, health care workers, and other public service careers.</p>



<h2 class="wp-block-heading">What&#8217;s Next</h2>



<p class="wp-block-paragraph">CSU has not published a cost estimate for the program or a count of how many students it expects to qualify. Funding comes from CSU scholarships, donors, foundations, and community partners rather than a state appropriation, so the program&#8217;s size will depend on fundraising. </p>



<p class="wp-block-paragraph">Watch for whether other Ohio public universities match the $125,000 threshold and whether CSU extends the offer to transfer students, who are excluded for now. </p>



<p class="wp-block-paragraph">Families with a spring 2027 graduate should <a href="https://thecollegeinvestor.com/88865/the-2027-28-fafsa-is-now-open-to-every-family/">file the 2027-28 FAFSA</a> and check eligibility on CSU&#8217;s program page.</p>
<div class="editor-reviewer"><p><span class="edited-by"><svg xmlns="http://www.w3.org/2000/svg" class="icon icon-tabler icon-tabler-circle-check" width="24" height="24" viewBox="0 0 24 24" stroke-width="2" stroke="currentColor" fill="none" stroke-linecap="round" stroke-linejoin="round">
        <path stroke="none" d="M0 0h24v24H0z" fill="none"></path>
        <circle cx="12" cy="12" r="9"></circle>
        <path d="M9 12l2 2l4 -4"></path>
     </svg> Editor: <a href="https://thecollegeinvestor.com/author/cgraves/">Colin Graves</a></span> </p></div><p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/90244/cleveland-state-free-tuition/">Cleveland State Will Cover Tuition For Ohio Students From Families Earning $125,000 Or Less</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
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		<title>Why Does FAFSA Assume Parents Pay For College Until Age 24?</title>
		<link>https://thecollegeinvestor.com/90142/why-does-fafsa-assume-parents-pay-for-college-until-age-24/</link>
					<comments>https://thecollegeinvestor.com/90142/why-does-fafsa-assume-parents-pay-for-college-until-age-24/#respond</comments>
		
		<dc:creator><![CDATA[Robert Farrington]]></dc:creator>
		<pubDate>Fri, 09 Oct 2026 10:30:00 +0000</pubDate>
				<category><![CDATA[Financial Aid]]></category>
		<guid isPermaLink="false">https://thecollegeinvestor.com/?p=90142</guid>

					<description><![CDATA[<p>A parent asks why FAFSA assumes she'll pay for college. The answer traces to 1950s need analysis and a 1986 law that drew the line at 24.</p>
<p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/90142/why-does-fafsa-assume-parents-pay-for-college-until-age-24/">Why Does FAFSA Assume Parents Pay For College Until Age 24?</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
]]></description>
										<content:encoded><![CDATA[<div class="wp-block-image">
<figure class="aligncenter size-full"><img decoding="async" width="1280" height="720" src="https://thecollegeinvestor.com/wp-content/uploads/2018/02/CollegeInvestor_1280x720_How_To_Move_Out_Of_Your_Parents_House.jpg" alt="Why does the FAFSA assume parents have to pay for college" class="wp-image-39570" srcset="https://thecollegeinvestor.com/wp-content/uploads/2018/02/CollegeInvestor_1280x720_How_To_Move_Out_Of_Your_Parents_House.jpg 1280w, https://thecollegeinvestor.com/wp-content/uploads/2018/02/CollegeInvestor_1280x720_How_To_Move_Out_Of_Your_Parents_House-300x169.jpg 300w, https://thecollegeinvestor.com/wp-content/uploads/2018/02/CollegeInvestor_1280x720_How_To_Move_Out_Of_Your_Parents_House-1024x576.jpg 1024w, https://thecollegeinvestor.com/wp-content/uploads/2018/02/CollegeInvestor_1280x720_How_To_Move_Out_Of_Your_Parents_House-768x432.jpg 768w" sizes="(max-width: 1280px) 100vw, 1280px" /></figure>
</div>


<h2 class="wp-block-heading">The Question</h2>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p class="wp-block-paragraph">I&#8217;ll never understand why the government assumes parents will be paying for their kids to attend post-secondary school.</p>



<p class="wp-block-paragraph">We were a one-income (educator) family until six years ago when my husband went back to work and finally got his own teaching position. He was a stay-at-home dad until then. So our savings is next to nothing. </p>



<p class="wp-block-paragraph">Did our FAFSA last night and the SAI is 28,000. I knew it&#8217;d be high because of the two of us working now, but that doesn&#8217;t say anything about our actual situation. Obviously our daughter is applying for scholarships nonstop and has a part-time job when she&#8217;s able to work around school activities, but it&#8217;s all so sad for kids today. School is so expensive, even Pennsylvania state schools.</p>



<p class="wp-block-paragraph">— Margot</p>
</blockquote>



<hr class="wp-block-separator has-alpha-channel-opacity"/>



<p class="wp-block-paragraph"><em>Welcome to the Friday mailbag, where we take one reader question and answer it. Have one? Send it to us — details at the bottom.</em></p>



<hr class="wp-block-separator has-alpha-channel-opacity"/>



<h2 class="wp-block-heading">The Short Answer</h2>



<p class="wp-block-paragraph">You&#8217;re asking the question most parents never get a straight answer to after they see their <a href="https://thecollegeinvestor.com/43805/student-aid-index-sai-chart/">Student Aid Index</a>. The FAFSA treats your 18-year-old as part of your household&#8217;s balance sheet until she turns 24, and it does that whether or not you plan to pay a dime.</p>



<p class="wp-block-paragraph">The idea that parents pay first started with the College Board&#8217;s College Scholarship Service in 1954, decades before the Department of Education existed. The age-24 cutoff came from the Higher Education Amendments of 1986. Congress set it just past the oldest age a student could still be receiving a Pell Grant, so parent finances would count for every traditional undergraduate.</p>



<p class="wp-block-paragraph">The longer answer runs through three places: a private college pricing system from the 1950s, the 1979 law that created the Department of Education, and a 1986 rewrite of the Higher Education Act. Each one added a layer to the <a href="https://thecollegeinvestor.com/47648/financial-aid-calculator-sai-calculator/">FAFSA formula</a> your family ran into when you filed the <a href="https://thecollegeinvestor.com/22730/fafsa-deadlines/">2027-28 FAFSA</a>.</p>


<div class="tci-save-this" id="tci-save-this-90142-4" data-post="90142" data-token="ad213a0f0ca6a2394a20b2d2c7e0c31a90256df5656df89d531bac2a4dd50e5b" data-consent="yes" data-endpoint="https://thecollegeinvestor.com/wp-json/tci/v1/save-this" data-success="Saved! We&#039;ve emailed you a link to this page."><span class="tci-save-this__kicker">Save For Later</span><h3 class="tci-save-this__heading">Would you like to save this?</h3><p class="tci-save-this__message">We&#039;ll email this article to you, so you can come back to it later!</p><form class="tci-save-this__form" method="post" action="" novalidate><div class="tci-save-this__row"><label class="tci-save-this__sr" for="tci-save-this-90142-4-email">Email Address</label><input class="tci-save-this__email" id="tci-save-this-90142-4-email" type="email" name="email" placeholder="Email Address" autocomplete="email" required><button class="tci-save-this__button" type="submit">Save This</button></div><p class="tci-save-this__consent"><label><input type="checkbox" name="consent" value="1"> <span>By subscribing you agree to our <a href="https://thecollegeinvestor.com/terms-of-service/" target="_blank" rel="noopener">Terms of Service</a> and <a href="https://thecollegeinvestor.com/privacy-policy/" target="_blank" rel="noopener">Privacy Policy</a></span></label></p><div class="tci-save-this__trap" aria-hidden="true"><label>Website<input type="text" name="website" tabindex="-1" autocomplete="off"></label></div></form><p class="tci-save-this__status" role="status" aria-live="polite"></p></div>



<h2 class="wp-block-heading">Parents-Pay-First Started With Colleges, Not Congress</h2>



<p class="wp-block-paragraph">The idea that parents pay for their children&#8217;s college predates federal student aid. In 1954, the College Board <a href="https://www.ihep.org/wp-content/uploads/2015/11/uploads_docs_pubs_ihep_analysis_guide_web_final.pdf" target="_blank" rel="noopener">launched</a> the College Scholarship Service with about 100 member colleges, with the goal of collecting &#8220;a single set of financial data from students and parents&#8221;. </p>



<p class="wp-block-paragraph">Harvard&#8217;s John Monro, its first chairman, built a formula to measure what a family could afford rather than using aid to bid for top students. That formula is the ancestor of every <a href="https://thecollegeinvestor.com/45946/good-sai-student-aid-index/">Student Aid Index calculation</a> in use today.</p>



<p class="wp-block-paragraph">The logic was rationing limited aid dollars: colleges had limited scholarship money, so they asked what each family could pay first and covered the gap. </p>



<p class="wp-block-paragraph">When the U.S. Government created the Basic Educational Opportunity Grant (today&#8217;s Pell Grant) in 1972, it <a href="https://www.ihep.org/wp-content/uploads/2015/11/uploads_docs_pubs_ihep_analysis_guide_web_final.pdf" target="_blank" rel="noopener">adopted</a> the same structure with an &#8220;expected family contribution&#8221; built into the formula. </p>



<p class="wp-block-paragraph">Federal law still frames it this way: aid fills the gap when parents can&#8217;t pay, not when they won&#8217;t. That&#8217;s why <a href="https://thecollegeinvestor.com/58058/pell-grant-chart/">income limits for Pell</a> are calculated on household income and not the student&#8217;s alone.</p>



<h2 class="wp-block-heading">What The Department Of Education&#8217;s Charter Actually Says</h2>



<p class="wp-block-paragraph">The 1979 law that created the Department of Education also explicity put parents first. The Department of Education Organization Act, signed October 17, 1979, includes this congressional finding: &#8220;<em>parents have the primary responsibility for the education of their children, and States, localities, and private institutions have the primary responsibility for supporting that parental role</em>&#8221; (<a href="https://www.law.cornell.edu/uscode/text/20/3401" target="_blank" rel="noopener">20 U.S.C. § 3401</a>). </p>



<p class="wp-block-paragraph">The law&#8217;s stated purposes describe the federal role as supplementing state and local efforts and encouraging &#8220;<em>the increased involvement of the public, parents, and students in Federal education program.</em>&#8221; </p>



<p class="wp-block-paragraph">That language captures the philosophy of how federal financial aid policies are crafted. It&#8217;s not a specific rule, but it&#8217;s a thesis that education is the responsibility of the parent first, even higher education. The parental contribution model was already 25 years old when the department opened. The charter reflects the same belief that drives the financial aid model today.</p>



<h2 class="wp-block-heading">The 1986 Law That Set &#8220;24&#8221; As The Magic Age</h2>



<p class="wp-block-paragraph">Before 1987, federal programs <a href="https://files.eric.ed.gov/fulltext/ED294485.pdf" target="_blank" rel="noopener">judged</a> independence &#8220;<em>strictly in terms of a student&#8217;s financial and living relationship with his or her parents</em>&#8220;. A typical version of that test, used by <a href="https://www.lrl.mn.gov/docs/pre2003/other/840008.pdf" target="_blank" rel="noopener">Minnesota&#8217;s</a> state grant program since 1968, required three things: parents didn&#8217;t claim the student on their taxes, the student lived at home no more than six weeks a year, and parents gave no more than $750 of support. </p>



<p class="wp-block-paragraph">However, around this time, reports were warning that families were gaming the system to qualify for larger financial aid awards.</p>



<p class="wp-block-paragraph">The numbers behind that concern: Independent students made up 14% of Pell recipients in 1974-75 and 47% by 1983-84, according to a 1985 study by economist W. Lee Hansen. Hansen traced much of that growth to older adults enrolling for the first time and found the incentive for students under 25 to switch status was modest, but status-shifting to unlock <a href="https://thecollegeinvestor.com/73914/what-families-really-pay-for-college-out-of-pocket/">larger aid packages</a> was the part that drew Congress&#8217;s attention.</p>



<p class="wp-block-paragraph">Congress answered with the Higher Education Amendments of 1986, which President Reagan signed on October 17, 1986. Starting with the 1987-88 school year, a student was independent if he or she was 24 or older, an orphan or ward of the court, a veteran, married, a graduate student, or had legal dependents. Those same categories still decide who can borrow at the higher <a href="https://thecollegeinvestor.com/42380/student-loan-borrowing-limits/">independent student loan limits</a> today.</p>



<p class="wp-block-paragraph">Higher education expert Mark Kantrowitz says the age limit was part of an effort to eliminate the so-called Bright Line Test for independent status, &#8220;which was prone to abuse,&#8221; the same kind of gaming that still drives the <a href="https://thecollegeinvestor.com/67671/the-punishment-for-lying-on-the-fafsa/">penalties for FAFSA fraud</a>. A narrow version survived for single undergraduates who showed $4,000 a year of their own resources for two years, until Congress <a href="https://finaid.org/educators/pj/dependencyoverrides/" target="_blank" rel="noopener">repealed</a> it in 1992. &#8220;<em>Congress wanted to make sure that families couldn&#8217;t abuse the new age-based rule, so they set the age threshold at 24 years old as of December 31 of the academic year</em>,&#8221; Kantrowitz told The College Investor.</p>



<p class="wp-block-paragraph">Kantrowitz said the number itself came from the <a href="https://thecollegeinvestor.com/58058/pell-grant-chart/">Pell Grant</a> time limits of the era. &#8220;<em>Most college students graduate at age 21</em>,&#8221; he said. &#8220;<em>However, the Pell Grant was limited to five years for 4-year programs and 6 years for 5-year programs at the time. So, a student could still be receiving a Pell Grant at age 23, and Congress wanted to be sure that their parents&#8217; finances were considered.</em>&#8220;</p>



<p class="wp-block-paragraph">In other words, 24 sits just past the oldest age a traditional student could still be drawing a Pell Grant, so no undergraduate on the standard path ages out of parent information while still eligible. </p>



<p class="wp-block-paragraph">Kantrowitz put the goal plainly: Congress wanted &#8220;<em>to be sure that students could not game the system to receive Pell Grants without parent information when they weren&#8217;t truly financially independent.</em>&#8221; </p>



<h2 class="wp-block-heading">Why FAFSA&#8217;s Age 24 Doesn&#8217;t Match The Tax Code</h2>



<p class="wp-block-paragraph">Today the rule reads that an <a href="https://thecollegeinvestor.com/46636/dependent-vs-independent-student-for-financial-aid/">independent student</a> &#8220;<em>is 24 years of age or older by December 31 of the award year</em>,&#8221; with exceptions for orphans, foster youth, emancipated minors, veterans and active-duty service members, graduate students, married students, students with dependents, and unaccompanied homeless youth. Marriage is one of the few legal ways an undergraduate gets out early, which is why <a href="https://thecollegeinvestor.com/65831/fafsa-marital-status-rules-explained/">FAFSA marital status rules</a> draw so many questions.</p>



<p class="wp-block-paragraph">The tax code&#8217;s version of 24 came later. The Technical and Miscellaneous Revenue Act of 1988 added the words &#8220;<em>who has not attained the age of 24</em>&#8221; to the student dependency rule, effective for tax years after 1988. A 2004 law folded it into today&#8217;s &#8220;qualifying child&#8221; test: under 19, or a student under 24. </p>



<p class="wp-block-paragraph">The financial aid rule came first and the tax rule followed, the opposite of what most parents assume when they <a href="https://thecollegeinvestor.com/21804/federal-tax-brackets/">file their taxes</a>.</p>



<p class="wp-block-paragraph">The bigger difference is that the tax code still asks who supports the child, and FAFSA doesn&#8217;t care. A child who pays more than half of her own support can&#8217;t be claimed as a qualifying child on her parents&#8217; return. Meanwhile, the Department of Education&#8217;s guidance states that parents who &#8220;<em>refuse to contribute, are unwilling to provide information, or do not claim the student as an income tax dependent</em>,&#8221; along with a student who shows &#8220;<em>total self-sufficiency</em>,&#8221; don&#8217;t qualify for a <a href="https://fsapartners.ed.gov/knowledge-center/library/dear-colleague-letters/2011-07-26/gen-11-15-subject-dependency-overrides" target="_blank" rel="noopener">dependency override</a> &#8220;<em>either individually or in combination</em>&#8220;. </p>



<p class="wp-block-paragraph">A 22-year-old who pays every bill can be independent for the IRS and dependent for FAFSA in the same year, a disconnect we see every day in questions about <a href="https://thecollegeinvestor.com/58908/how-do-you-calculate-current-net-worth-of-assets-for-fafsa/">what counts on the FAFSA</a>.</p>



<h2 class="wp-block-heading">Every Federal Program Picks A Different Age</h2>



<p class="wp-block-paragraph">What most people understand, but rarely see directly, is that there&#8217;s no single age of adulthood in federal policy. </p>



<p class="wp-block-paragraph">Health plans must let children stay on a parent&#8217;s coverage until 26 under the Affordable Care Act. The <a href="https://thecollegeinvestor.com/35257/what-is-the-kiddie-tax/">kiddie tax</a> can reach full-time students through age 23, and the dependency exemption on income tax that once made claiming a college student valuable has been $0 since 2018. </p>



<p class="wp-block-paragraph">Each age was set by a different Congress solving a different problem, which is why it&#8217;s so confusing!</p>



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  <div class="tci-age__head">When Federal Rules Stop Treating Your Child As A Dependent: <span>It Depends On The Program</span></div>
  <table>
    <thead><tr><th>Rule</th><th>Age</th><th>What It Means</th></tr></thead>
    <tbody>
      <tr class="tci-age__hl"><td>FAFSA Independence</td><td data-label="Age"><span class="tci-age__pill tci-age__pill--gold">24</span></td><td data-label="What It Means">Parent info required unless 24 by Dec. 31 of the award year</td></tr>
      <tr><td>Tax Dependent (Student)</td><td data-label="Age"><span class="tci-age__pill">Under 24</span></td><td data-label="What It Means">Parents can claim a student who doesn&#8217;t pay over half their own support</td></tr>
      <tr><td>Kiddie Tax</td><td data-label="Age"><span class="tci-age__pill">Under 24</span></td><td data-label="What It Means">A student&#8217;s investment income can be taxed at the parents&#8217; rate</td></tr>
      <tr><td>Parent&#8217;s Health Plan</td><td data-label="Age"><span class="tci-age__pill">Under 26</span></td><td data-label="What It Means">Child can stay on a parent&#8217;s plan under the ACA</td></tr>
      <tr><td>Dependency Exemption</td><td data-label="Age"><span class="tci-age__pill">None</span></td><td data-label="What It Means">Worth $0 since 2018</td></tr>
      <tr><td>Court-Ordered College Support</td><td data-label="Age"><span class="tci-age__pill">Varies</span></td><td data-label="What It Means">Divorce cases only, in states such as Illinois</td></tr>
    </tbody>
  </table>
  <div class="tci-age__foot">Source: The College Investor, October 2026</div>
</div>
</div>



<h2 class="wp-block-heading">The FAFSA Simplification Act Made It Harder For Big Families</h2>



<p class="wp-block-paragraph">The 2024-25 overhaul replaced the <a href="https://thecollegeinvestor.com/23326/calculate-expected-family-contribution/">Expected Family Contribution</a> with the <a href="https://thecollegeinvestor.com/43805/student-aid-index-sai-chart/">Student Aid Index</a>, allowed an SAI as low as -$1,500, and stopped counting how many children are in college at the same time. </p>



<p class="wp-block-paragraph">Under the old formula, a family with a $30,000 ability to pay and two kids in college was expected to pay $15,000 per student.  A family like yours now gets the same $28,000 SAI for each child who enrolls, with no credit for the tuition already going to a sibling. </p>



<p class="wp-block-paragraph">That change hit households with several kids close in age harder than anyone, a pattern visible in <a href="https://thecollegeinvestor.com/43805/student-aid-index-sai-chart/">our SAI chart</a>.</p>



<h2 class="wp-block-heading">Takeaway: The System Measures Capacity, Not Willingness</h2>



<p class="wp-block-paragraph">After nearly 20 years writing about financial aid, my view is that the age-24 rule is defensible as an upper limit for undergraduate need-based aid and fraud control, and but it doesn&#8217;t work as a description of how American families handle finances today. </p>



<p class="wp-block-paragraph">Congress finalized the current test because the system was being gamed, and that problem was real. However, the result is that as parents have more income, it could make it more challenging for a student to pay, regardless of the family&#8217;s overall financial circumstances, and you&#8217;re seeing that firsthand. </p>



<p class="wp-block-paragraph">For your family, here are some options that may help.</p>



<p class="wp-block-paragraph">A financial aid administrator can adjust an SAI for special circumstances such as a job loss or unusual expenses by <a href="https://thecollegeinvestor.com/42930/financial-aid-appeal-letter/">appealing your child&#8217;s financial aid award</a>. </p>



<p class="wp-block-paragraph">If parents end financial support or refuse to file, the same law lets a financial aid office offer the student Direct Unsubsidized Loans without parent information, though not grants. Students can also stack <a href="https://thecollegeinvestor.com/78508/do-you-have-to-report-private-scholarships-to-your-college/">private scholarships</a>, target <a href="https://thecollegeinvestor.com/39431/tuition-free-colleges/">tuition-free colleges</a>, or shorten the time in college with a <a href="https://thecollegeinvestor.com/77611/nearly-60-colleges-are-now-allowing-3-year-bachelors-degrees/">three-year bachelor&#8217;s degree</a>.</p>



<p class="wp-block-paragraph">The rule itself only changes if Congress changes it. Until then, an SAI of $28,000 means the formula expects money to come from the students AND parents together. Nobody is forcing you to pay it, you can make choices on higher education, but you cannot expect need-based aid to cover a significant amount of your costs.</p>



<p class="wp-block-paragraph">The result is that families are better off planning around that number through crafting a college list or strategy that works for their finances.</p>



<h2 class="wp-block-heading">Send Us Your Question</h2>



<p class="wp-block-paragraph">Got a student loan, financial aid, or money question you can&#8217;t get a straight answer on? Send it to us and we may answer it in a future Friday mailbag. </p>


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                        </div><div class="editor-reviewer"><p><span class="edited-by"><svg xmlns="http://www.w3.org/2000/svg" class="icon icon-tabler icon-tabler-circle-check" width="24" height="24" viewBox="0 0 24 24" stroke-width="2" stroke="currentColor" fill="none" stroke-linecap="round" stroke-linejoin="round">
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     </svg> Editor: <a href="https://thecollegeinvestor.com/author/cgraves/">Colin Graves</a></span> </p></div><p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/90142/why-does-fafsa-assume-parents-pay-for-college-until-age-24/">Why Does FAFSA Assume Parents Pay For College Until Age 24?</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
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		<title>Empowerly Advising Review: College Admissions Counseling</title>
		<link>https://thecollegeinvestor.com/90178/empowerly-review/</link>
					<comments>https://thecollegeinvestor.com/90178/empowerly-review/#respond</comments>
		
		<dc:creator><![CDATA[Colin Graves]]></dc:creator>
		<pubDate>Fri, 09 Oct 2026 07:15:00 +0000</pubDate>
				<category><![CDATA[Admissions]]></category>
		<category><![CDATA[Review]]></category>
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					<description><![CDATA[<p>Empowerly offers personalized college counseling, essay feedback, and research programs. Learn more about features, pricing, benefits, and drawbacks.</p>
<p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/90178/empowerly-review/">Empowerly Advising Review: College Admissions Counseling</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
]]></description>
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M30.423,0c-1.297,0-2.595,0.676-3.262,2.027l-6.584,13.339c-0.53,1.074-1.554,1.819-2.739,1.99l-14.72,2.14c-2.984,0.434-4.175,4.101-2.016,6.205l10.652,10.383c0.857,0.836,1.248,2.04,1.045,3.221l-2.514,14.66c-0.403,2.351,1.465,4.262,3.585,4.262c0.559,0,1.136-0.134,1.694-0.426l13.166-6.923c0.53-0.278,1.111-0.417,1.693-0.417s1.163,0.139,1.693,0.417l13.166,6.923c0.558,0.293,1.135,0.426,1.693,0.426c2.121,0,3.988-1.911,3.586-4.262l-2.515-14.66c-0.202-1.181,0.188-2.385,1.045-3.221l10.652-10.383c2.159-2.104,0.968-5.771-2.017-6.205l-14.72-2.14c-1.185-0.171-2.21-0.916-2.739-1.99L33.687,2.027C33.019,0.676,31.72,0,30.423,0"></path></svg><svg viewBox="-6 -6 70 70" class=""><path class="sr-background" fill="transparent" 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M30.424,0c-1.297,0-2.594,0.676-3.262,2.027l-6.584,13.339c-0.529,1.074-1.553,1.819-2.738,1.99l-14.721,2.14c-2.984,0.434-4.176,4.101-2.016,6.205l10.65,10.383c0.859,0.836,1.25,2.04,1.047,3.221l-2.514,14.66c-0.404,2.352,1.465,4.262,3.584,4.262c0.561,0,1.137-0.134,1.695-0.426l13.166-6.923c0.529-0.278,1.111-0.417,1.691-0.417c0.582,0,1.164,0.139,1.693,0.417l13.166,6.923c0.559,0.293,1.135,0.426,1.695,0.426c2.119,0,3.986-1.91,3.584-4.262l-2.516-14.66c-0.201-1.181,0.189-2.385,1.047-3.221l10.652-10.383c2.158-2.104,0.967-5.771-2.016-6.205l-14.723-2.14c-1.184-0.171-2.209-0.916-2.738-1.99L33.688,2.027C33.02,0.676,31.723,0,30.424,0"></path></svg></div>
</div>
</div>
<div class="tcb-flex-col" data-css="tve-u-1a11c8f7553" style="">
<div class="tcb-col tve_empty_dropzone" data-css="tve-u-1a11c8f754e"><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: -1.33333px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: -1.33333px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension></p>
<div class="thrv_wrapper thrv_text_element">
<p data-css="tve-u-1a11c8f7551"><strong>Quick Summary</strong></p>
</div>
<div class="thrv_wrapper thrv_text_element tve_empty_dropzone">
<ul class="">
<li>Personalized college admissions counseling&nbsp;</li>
<li>Standardized test preparation&nbsp;</li>
<li>Specialized academic programs available&nbsp;</li>
<li>Free 30-minute video consultation</li>
</ul>
</div>
<div class="thrv_wrapper thrv-button tve_ea_thrive_animation tve_anim_sweep_to_top tcb-local-vars-root" data-tcb_hover_state_parent="" data-button-style="btn-tpl-58359" data-css="tve-u-1a11c8f7556" style="">
<div class="thrive-colors-palette-config" style="display: none !important"></div>
<p>	<a href="https://thecollegeinvestor.com/go/empowerly" class="tcb-button-link tve_evt_manager_listen tve_et_mouseover" target="_blank" rel="nofollow" data-tcb-events="__TCB_EVENT_[{&quot;t&quot;:&quot;mouseover&quot;,&quot;config&quot;:{&quot;anim&quot;:&quot;sweep_to_top&quot;,&quot;loop&quot;:1},&quot;a&quot;:&quot;thrive_animation&quot;}]_TNEVE_BCT__" style="border: 4px solid var(--tcb-local-color-f8570);"><br />
		<span class="tcb-button-texts" style=""><span class="tcb-button-text thrv-inline-text" style="">GET STARTED</span></span><br />
	</a>
</div>
<p><superhuman-go-underlines data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></superhuman-go-underlines></div>
<p><grammarly-extension-vbars data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></grammarly-extension-vbars></div>
</div>
</div>
<div class="thrv_wrapper thrv-columns" style="--tcb-col-el-width: 798.021;">
<div class="tcb-flex-row v-2 tcb--cols--2">
<div class="tcb-flex-col">
<div class="tcb-col">
<div class="thrv_wrapper thrv_text_element" data-css="tve-u-1a11c913840" style="">
<p data-css="tve-u-1a11c91383a" style="text-align: center;"><strong>Pros</strong></p>
</div>
<div class="thrv_wrapper thrv-styled_list tcb-icon-display" data-icon-code="icon-check-circle-solid" data-css="tve-u-1a11c91383b" style="">
<ul class="tcb-styled-list">
<li class="thrv-styled-list-item">
<div class="tcb-styled-list-icon">
<div class="thrv_wrapper thrv_icon tve_no_drag tcb-no-delete tcb-no-clone tcb-no-save tcb-icon-inherit-style tcb-local-vars-root" data-css="tve-u-1a11c91383f" style=""><svg class="tcb-icon" viewBox="0 0 24 24" data-id="icon-check-circle-solid" data-name="" style=""><path d="M12 2C6.5 2 2 6.5 2 12S6.5 22 12 22 22 17.5 22 12 17.5 2 12 2M10 17L5 12L6.41 10.59L10 14.17L17.59 6.58L19 8L10 17Z"></path></svg></div>
</div>
<p><span class="thrv-advanced-inline-text tve_editable tcb-styled-list-icon-text tcb-no-delete tcb-no-save" data-css="tve-u-17a3ec89eab">Essay feedback and reviews by former admissions officers</span></li>
<li class="thrv-styled-list-item"><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension>
<div class="tcb-styled-list-icon">
<div class="thrv_wrapper thrv_icon tve_no_drag tcb-no-delete tcb-no-clone tcb-no-save tcb-icon-inherit-style tcb-local-vars-root" data-css="tve-u-1a11c91383f" style=""><svg class="tcb-icon" viewBox="0 0 24 24" data-id="icon-check-circle-solid" data-name="" style=""><path d="M12 2C6.5 2 2 6.5 2 12S6.5 22 12 22 22 17.5 22 12 17.5 2 12 2M10 17L5 12L6.41 10.59L10 14.17L17.59 6.58L19 8L10 17Z"></path></svg></div>
</div>
<p><span class="thrv-advanced-inline-text tve_editable tcb-styled-list-icon-text tcb-no-delete tcb-no-save" data-css="tve-u-17a3ec89eab">Personalized counseling&nbsp;</span><grammarly-extension-vbars data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></grammarly-extension-vbars><superhuman-go-underlines data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></superhuman-go-underlines></li>
<li class="thrv-styled-list-item"><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension>
<div class="tcb-styled-list-icon">
<div class="thrv_wrapper thrv_icon tve_no_drag tcb-no-delete tcb-no-clone tcb-no-save tcb-icon-inherit-style tcb-local-vars-root" data-css="tve-u-1a11c91383f" style=""><svg class="tcb-icon" viewBox="0 0 24 24" data-id="icon-check-circle-solid" data-name="" style=""><path d="M12 2C6.5 2 2 6.5 2 12S6.5 22 12 22 22 17.5 22 12 17.5 2 12 2M10 17L5 12L6.41 10.59L10 14.17L17.59 6.58L19 8L10 17Z"></path></svg></div>
</div>
<p><span class="thrv-advanced-inline-text tve_editable tcb-styled-list-icon-text tcb-no-delete tcb-no-save" data-css="tve-u-17a3ec89eab">Specialized educational programs available</span><grammarly-extension-vbars data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></grammarly-extension-vbars><superhuman-go-underlines data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></superhuman-go-underlines></li>
</ul>
</div>
</div>
</div>
<div class="tcb-flex-col">
<div class="tcb-col">
<div class="thrv_wrapper thrv_text_element" data-css="tve-u-1a11c913841" style="">
<p data-css="tve-u-1a11c91383a" style="text-align: center;"><strong>Cons</strong></p>
</div>
<div class="thrv_wrapper thrv-styled_list tcb-icon-display" data-icon-code="icon-times-circle-solid" data-css="tve-u-1a11c91383d" style="">
<ul class="tcb-styled-list">
<li class="thrv-styled-list-item" data-css="tve-u-17a3ec657b0"><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension>
<div class="tcb-styled-list-icon">
<div class="thrv_wrapper thrv_icon tve_no_drag tcb-no-delete tcb-no-clone tcb-no-save tcb-icon-inherit-style tcb-local-vars-root" data-css="tve-u-1a11c91383e" style=""><svg class="tcb-icon" viewBox="0 0 512 512" data-id="icon-times-circle-solid" data-name="" style=""><path d="M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z"></path></svg></div>
</div>
<p><span class="thrv-advanced-inline-text tve_editable tcb-styled-list-icon-text tcb-no-delete tcb-no-save" data-css="tve-u-17a3ec63f40">Lack of transparency on pricing</span><grammarly-extension-vbars data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></grammarly-extension-vbars><superhuman-go-underlines data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></superhuman-go-underlines></li>
<li class="thrv-styled-list-item" data-css="tve-u-17a3ec657b0"><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension><grammarly-extension data-grammarly-shadow-root="true" style="visibility: visible !important; position: absolute; top: 0px; left: 0px; pointer-events: none; margin: 0px; border: 0px; --rem: 16;" class="dnXmp"></grammarly-extension>
<div class="tcb-styled-list-icon">
<div class="thrv_wrapper thrv_icon tve_no_drag tcb-no-delete tcb-no-clone tcb-no-save tcb-icon-inherit-style tcb-local-vars-root" data-css="tve-u-1a11c91383e" style=""><svg class="tcb-icon" viewBox="0 0 512 512" data-id="icon-times-circle-solid" data-name="" style=""><path d="M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z"></path></svg></div>
</div>
<p><span class="thrv-advanced-inline-text tve_editable tcb-styled-list-icon-text tcb-no-delete tcb-no-save" data-css="tve-u-17a3ec63f40">Value is likely dependent on counselor fit<br /></span><grammarly-extension-vbars data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></grammarly-extension-vbars><superhuman-go-underlines data-grammarly-shadow-root="true" class="dnXmp" style="visibility: visible !important; display: contents; --rem: 16;"></superhuman-go-underlines></li>
<li class="thrv-styled-list-item" data-css="tve-u-17a3ec657b0">
<div class="tcb-styled-list-icon">
<div class="thrv_wrapper thrv_icon tve_no_drag tcb-no-delete tcb-no-clone tcb-no-save tcb-icon-inherit-style " data-css="tve-u-1a11e69fcd4"><svg class="tcb-icon" viewBox="0 0 512 512" data-id="icon-times-circle-solid" data-name="" style=""><path d="M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm121.6 313.1c4.7 4.7 4.7 12.3 0 17L338 377.6c-4.7 4.7-12.3 4.7-17 0L256 312l-65.1 65.6c-4.7 4.7-12.3 4.7-17 0L134.4 338c-4.7-4.7-4.7-12.3 0-17l65.6-65-65.6-65.1c-4.7-4.7-4.7-12.3 0-17l39.6-39.6c4.7-4.7 12.3-4.7 17 0l65 65.7 65.1-65.6c4.7-4.7 12.3-4.7 17 0l39.6 39.6c4.7 4.7 4.7 12.3 0 17L312 256l65.6 65.1z"></path></svg></div>
</div>
<p><span class="thrv-advanced-inline-text tve_editable tcb-styled-list-icon-text tcb-no-delete tcb-no-save" data-css="tve-u-17a3ec63f40">Specialized programs may cost extra</span></li>
</ul>
</div>
</div>
</div>
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<p><a href="https://thecollegeinvestor.com/go/empowerly" target="_blank" rel="nofollow" class="" style="outline: none;">Empowerly</a> is an online college counseling platform that helps students plan for college and navigate the admissions process. It offers personalized guidance with programs for test prep, research mentorship, and internship. You can also access tools to organize your applications, evaluate your strengths, and build a college list.&nbsp;</p>
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		<span class="tve_ct_title" style="" data-css="tve-u-1a11c918abe"><strong>Table of Contents</strong></span></p>
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<div class="tve_ct_level0"><a href="#t-1635169444036" rel="nofollow">What Is Empowerly?</a></div>
<div class="tve_ct_level0"><a href="#t-1635169444037" rel="nofollow">What Does It Offer?</a></div>
<div class="tve_ct_level0"><a href="#t-1635169444038" rel="nofollow">Are There Any Fees?</a></div>
<div class="tve_ct_level0"><a href="#t-1635169444039" rel="nofollow">How Does Empowerly Compare?</a></div>
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<div class="tve_ct_level0"><a href="#t-1635169444041" rel="nofollow">How Do I Open An Account?</a></div>
<div class="tve_ct_level0"><a href="#t-1635169444042" rel="nofollow">Is Empowerly Safe To Use?</a></div>
<div class="tve_ct_level0"><a href="#t-1635169444045" rel="nofollow">How Do I Contact Empowerly?</a></div>
<div class="tve_ct_level0"><a href="#t-1635169444043" rel="nofollow">Is It Worth It?</a></div>
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<h2 class="" id="t-1635169444036">What Is Empowerly?</h2>
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<p style="" data-css="tve-u-1a11ca88b08">San Francisco-based <a href="https://thecollegeinvestor.com/go/empowerly" target="_blank" rel="nofollow" class="" style="outline: none;">Empowerly</a> is an education technology company that was founded in 2017. Co-founders Hanmei Wu and Changxiao Xie built Empowerly by drawing on their own college admissions experiences. Today, Empowerly's services support students from high school right through to the application season.&nbsp;</p>
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<div class="thrv_wrapper tve_image_caption" data-css="tve-u-1a11ca869d0"><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-90189" alt="Empowerly homepage" data-id="90189" width="880" data-init-width="1338" height="542" data-init-height="824" title="Empowerly homepage" loading="lazy" src="https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-homepage.png" data-width="880" data-height="542" style="aspect-ratio: auto 1338 / 824;" srcset="https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-homepage.png 1338w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-homepage-300x185.png 300w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-homepage-1024x631.png 1024w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-homepage-768x473.png 768w" sizes="auto, (max-width: 880px) 100vw, 880px" /></span></div>
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<h2 class="" id="t-1635169444037">What Does It Offer?</h2>
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<p>Empowerly offers comprehensive college counseling along with specialized programs. Here's a closer look at its key features:&nbsp;</p>
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<h3 class="">College Counseling Programs</h3>
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<p><strong>High school college counseling: </strong>Empowerly offers a range of services to high school students, who can work 1:1 with a counselor as they navigate everything from course selection and extracurricular activities to choosing a college and major. Empowerly will also guide students through financial aid and scholarship applications.&nbsp;</p>
<p><strong>Essay advising and review:&nbsp;</strong>Students can receive feedback from their counselor and a dedicated editing team on their application essays. According to Empowerly, reviews are completed within 48 hours. Empowerly's Admissions Committee Review adds another layer of support, with former admissions officers evaluating application drafts before submission.</p>
<p><strong>Test prep and academic support:&nbsp;</strong>Empowerly provides standardized test prep and subject tutoring. For example, you can take the full SAT exam multiple times before test day under timed conditions. Empower states that many of its students boost their SAT scores by more than 150 points, and that all of its test prep experts have 3,000 or more hours of experience with standardized test prep.</p>
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<div class="thrv_wrapper tve_image_caption" data-css="tve-u-1a11ca91fc0"><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-90190" alt="Empowerly Essay Advising" data-id="90190" width="880" data-init-width="1336" height="564" data-init-height="856" title="Empowerly Essay Advising" loading="lazy" src="https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-Essay-Advising.png" data-width="880" data-height="564" style="aspect-ratio: auto 1336 / 856;" srcset="https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-Essay-Advising.png 1336w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-Essay-Advising-300x192.png 300w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-Essay-Advising-1024x656.png 1024w, https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-Essay-Advising-768x492.png 768w" sizes="auto, (max-width: 880px) 100vw, 880px" /></span></div>
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<h3 class="">AI Scholar</h3>
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<p>AI Scholar is a unique program that guides students from grades 7 through 12 through machine learning lessons, Python coding labs, and project work. The program features small class sizes, with a 10:1 student-teacher ratio, and expert instructors from top schools such as Brown, Stanford, and MIT. Past projects include using data for disaster relief, exoplanet discovery, and developing algorithms for better movie recommendations.&nbsp;</p>
<p>For me, the real appeal is the chance to explore a technical interest through hands-on work. It's worth considering if you have a student who genuinely wants to learn these skills, and not just add another activity to their application.&nbsp;</p>
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<h3 class="">Research Scholar&nbsp;</h3>
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<p>Students in Grades 9 to 12 can work on an independent research project 1:1 with a PhD candidate from an elite school. The program runs year-round with 4 cohorts and projects ranging from 12 weeks to 12 months.&nbsp;</p>
<p>Research Scholar could be a good fit for a student who wants to investigate a subject more deeply than they can do in a regular class environment. However, you may want to ask about the weekly workload and other expectations before signing up.&nbsp;&nbsp;</p>
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<h2 class="" id="t-1635169444038">Are There Any Fees?</h2>
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<p>Empowerly doesn't publish its rates on its website, and advertises that it designs custom packages based on students' needs. Estimates online that range between $10,000 and $30,000. This may or may not be accurate, but if it is, then Empowerly's pricing is on the high end.&nbsp;</p>
<p>In contrast, CollegeZoom offers hourly pricing at $350, and packages from $3,000 to $6,000. It also publishes its rates on its website.&nbsp;</p>
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<h2 class="" id="t-1635169444039">How Does Empowerly Compare?</h2>
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<p><span style="font-weight: normal;">Empowerly's appeal seems to be the combination of counseling, online planning tools, and specialized learning programs, like AI and Research Scholar. CollegeZoom offers planning and application packages, but it also advertises hourly help and a college-specific assessment designed to identify gaps in your student profile.</span></p>
<p><span style="font-weight: normal;">IvyWise focuses on connecting students with top-notch college counselors for admissions to elite schools. It claims very high admission rates, stating that its students are 6X more likely to be admitted to top schools than general applicants. It also claims that 98% of its students have been accepted into one or more of their best-fit schools.&nbsp;</span></p>
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<div class="thrv_wrapper tve_image_caption" data-css="tve-u-1a11c8f7582" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-90182" alt="Empowerly logo 2026" data-id="90182" width="150" data-init-width="106" height="93" data-init-height="66" title="Empowerly logo 2026" src="https://thecollegeinvestor.com/wp-content/uploads/2026/10/Empowerly-logo-2026.png" data-width="150" data-height="93" data-css="tve-u-17455d794da" style="aspect-ratio: auto 106 / 66;" loading="lazy"></span></div>
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<div class="thrv_wrapper tve_image_caption" data-css="tve-u-1a11c8f7582" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-44422" alt="collegezoom logo" data-id="44422" width="150" data-init-width="307" height="44" data-init-height="90" title="college-zoom-logo" src="https://thecollegeinvestor.com/wp-content/uploads/2023/10/college-zoom-logo.png" data-width="150" data-height="44" data-css="tve-u-17455d794da" style="aspect-ratio: auto 307 / 90;" loading="lazy" srcset="https://thecollegeinvestor.com/wp-content/uploads/2023/10/college-zoom-logo.png 307w, https://thecollegeinvestor.com/wp-content/uploads/2023/10/college-zoom-logo-300x90.png 300w" sizes="auto, (max-width: 150px) 100vw, 150px" /></span></div>
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<div class="thrv_wrapper tve_image_caption" data-css="tve-u-1a11c8f7582" style=""><span class="tve_image_frame"><img decoding="async" class="tve_image wp-image-43991" alt="ivywise logo" data-id="43991" width="150" data-init-width="197" height="53" data-init-height="69" title="ivywise logo" src="https://thecollegeinvestor.com/wp-content/uploads/2023/09/ivywise-logo.png" data-width="150" data-height="53" data-css="tve-u-17455d794da" style="aspect-ratio: auto 197 / 69;" loading="lazy"></span></div>
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d="M64.008,24.738c-0.079,0.134-0.172,0.264-0.293,0.382L49.903,38.583	c-0.424,0.413-0.617,1.008-0.517,1.591l0.632,3.688l13.696-13.349c0.637-0.621,0.673-1.513,0.293-2.18	c0.339-0.573,0.308-1.257,0-1.797C64.347,25.962,64.316,25.278,64.008,24.738z"></path><path class="sr-background" fill="#D3DADF" d="M49.386,40.174c-0.101-0.583,0.093-1.178,0.517-1.591L63.714,25.12	c0.121-0.118,0.214-0.248,0.293-0.382c0.622-1.05,0.017-2.495-1.29-2.684L43.63,19.28c-0.586-0.085-1.092-0.453-1.354-0.983	L33.742,1.001c-0.66-1.335-2.564-1.335-3.224,0l-8.537,17.296c-0.261,0.53-0.767,0.898-1.354,0.983L1.542,22.054	c-1.308,0.189-1.912,1.634-1.291,2.684c0.079,0.134,0.173,0.265,0.293,0.382l13.812,13.463c0.424,0.413,0.618,1.008,0.518,1.591	l-0.633,3.688l-2.628,15.321c-0.065,0.378-0.008,0.73,0.13,1.038c0.399,0.885,1.498,1.372,2.478,0.858l17.071-8.976	c0.524-0.275,1.149-0.275,1.674,0l17.071,8.976c0.979,0.514,2.079,0.027,2.478-0.858c0.138-0.307,0.195-0.659,0.13-1.037	l-2.627-15.322L49.386,40.174z"></path></svg></div>
</td>
</tr>
<tr class="tve_table_row">
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1a11c8f7594">
<p data-css="tve-u-1a11c8f757d" style="text-align: center;"><strong><strong>Pricing</strong></strong></p>
</div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1a11c8f7595">
<p data-css="tve-u-1a11c8f757e" style="text-align: center;">Not Published</p>
</div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1a11c8f7595">
<p data-css="tve-u-1a11c8f757e" style="text-align: center;">$3,000 to $6,000</p>
</div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1a11c8f7595">
<p data-css="tve-u-1a11c8f757e" style="text-align: center;"><strong><strong></strong></strong>$1,000 to $3,000 per hour</p>
</div>
</td>
</tr>
<tr class="tve_table_row">
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1a11c8f7594">
<p data-css="tve-u-1a11c8f757d" style="text-align: center;"><strong>Test Prep</strong></p>
</div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_icon tcb-icon-display tcb-local-vars-root" data-css="tve-u-1a11e463ee4" style=""><svg class="tcb-icon tcb-local-vars-root" viewBox="0 0 24 24" data-id="icon-check-circle-solid" data-name=""><path d="M12 2C6.5 2 2 6.5 2 12S6.5 22 12 22 22 17.5 22 12 17.5 2 12 2M10 17L5 12L6.41 10.59L10 14.17L17.59 6.58L19 8L10 17Z"></path></svg></div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_icon tcb-icon-display tcb-local-vars-root" data-css="tve-u-1a11e46fa43" style=""><svg class="tcb-icon tcb-local-vars-root" viewBox="0 0 24 24" data-id="icon-close-circle-solid" data-name=""><path d="M12,2C17.53,2 22,6.47 22,12C22,17.53 17.53,22 12,22C6.47,22 2,17.53 2,12C2,6.47 6.47,2 12,2M15.59,7L12,10.59L8.41,7L7,8.41L10.59,12L7,15.59L8.41,17L12,13.41L15.59,17L17,15.59L13.41,12L17,8.41L15.59,7Z"></path></svg></div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_icon tcb-icon-display tcb-local-vars-root" data-css="tve-u-1a11e45d62c" style=""><svg class="tcb-icon tcb-local-vars-root" viewBox="0 0 24 24" data-id="icon-check-circle-solid" data-name=""><path d="M12 2C6.5 2 2 6.5 2 12S6.5 22 12 22 22 17.5 22 12 17.5 2 12 2M10 17L5 12L6.41 10.59L10 14.17L17.59 6.58L19 8L10 17Z"></path></svg></div>
</td>
</tr>
<tr class="tve_table_row">
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_text_element" style="" data-css="tve-u-1a11c8f7594">
<p data-css="tve-u-1a11c8f757d" style="text-align: center;"><strong>Free Consultation</strong></p>
</div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_icon tcb-icon-display tcb-local-vars-root" data-css="tve-u-1a11e45d62c" style=""><svg class="tcb-icon tcb-local-vars-root" viewBox="0 0 24 24" data-id="icon-check-circle-solid" data-name=""><path d="M12 2C6.5 2 2 6.5 2 12S6.5 22 12 22 22 17.5 22 12 17.5 2 12 2M10 17L5 12L6.41 10.59L10 14.17L17.59 6.58L19 8L10 17Z"></path></svg></div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_icon tcb-icon-display tcb-local-vars-root" data-css="tve-u-1a11e46fa43" style=""><svg class="tcb-icon tcb-local-vars-root" viewBox="0 0 24 24" data-id="icon-close-circle-solid" data-name=""><path d="M12,2C17.53,2 22,6.47 22,12C22,17.53 17.53,22 12,22C6.47,22 2,17.53 2,12C2,6.47 6.47,2 12,2M15.59,7L12,10.59L8.41,7L7,8.41L10.59,12L7,15.59L8.41,17L12,13.41L15.59,17L17,15.59L13.41,12L17,8.41L15.59,7Z"></path></svg></div>
</td>
<td class="tve_table_cell" style="border-top: 1px solid rgb(238, 238, 238);" rowspan="1" colspan="1">
<div class="thrv_wrapper thrv_icon tcb-icon-display tcb-local-vars-root" data-css="tve-u-1a11e45d62c" style=""><svg class="tcb-icon tcb-local-vars-root" viewBox="0 0 24 24" data-id="icon-check-circle-solid" data-name=""><path d="M12 2C6.5 2 2 6.5 2 12S6.5 22 12 22 22 17.5 22 12 17.5 2 12 2M10 17L5 12L6.41 10.59L10 14.17L17.59 6.58L19 8L10 17Z"></path></svg></div>
</td>
</tr>
<tr class="tve_table_row">
<td class="tve_table_cell tcb-parent-placeholder-empty" rowspan="1" colspan="1" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="tcb-replaceable-placeholder">Cell</div>
</td>
<td class="tve_table_cell" rowspan="1" colspan="1" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="thrv_wrapper thrv-button tve_ea_thrive_animation tve_anim_sweep_to_top tcb-local-vars-root" data-tcb_hover_state_parent="" data-button-style="btn-tpl-58359" data-css="tve-u-1a11c8f7588" style="">
<div class="thrive-colors-palette-config" style="display: none !important"></div>
<p>	<a href="https://thecollegeinvestor.com/go/empowerly" class="tcb-button-link tve_evt_manager_listen tve_et_mouseover" target="_blank" data-tcb-events="__TCB_EVENT_[{&quot;t&quot;:&quot;mouseover&quot;,&quot;config&quot;:{&quot;anim&quot;:&quot;sweep_to_top&quot;,&quot;loop&quot;:1},&quot;a&quot;:&quot;thrive_animation&quot;}]_TNEVE_BCT__" style="border: 4px solid var(--tcb-local-color-f8570);" rel="nofollow"><br />
		<span class="tcb-button-texts" style=""><span class="tcb-button-text thrv-inline-text" style="">OPEN AN ACCOUNT</span></span><br />
	</a>
</div>
</td>
<td class="tve_table_cell" rowspan="1" colspan="1" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="thrv_wrapper thrv-button tve_ea_thrive_animation tve_anim_sweep_to_top tcb-local-vars-root" data-tcb_hover_state_parent="" data-button-style="btn-tpl-58359" data-css="tve-u-1a11c8f7583" style="">
<div class="thrive-colors-palette-config" style="display: none !important"></div>
<p>	<a href="https://thecollegeinvestor.com/44400/collegezoom-review/" class="tcb-button-link tve_evt_manager_listen tve_et_mouseover" data-tcb-events="__TCB_EVENT_[{&quot;t&quot;:&quot;mouseover&quot;,&quot;config&quot;:{&quot;anim&quot;:&quot;sweep_to_top&quot;,&quot;loop&quot;:1},&quot;a&quot;:&quot;thrive_animation&quot;}]_TNEVE_BCT__" style="border: 4px solid var(--tcb-local-color-f8570);"><br />
		<span class="tcb-button-texts" style=""><span class="tcb-button-text thrv-inline-text" style="">READ THE REVIEW</span></span><br />
	</a>
</div>
</td>
<td class="tve_table_cell" rowspan="1" colspan="1" style="border-top: 1px solid rgb(238, 238, 238);">
<div class="thrv_wrapper thrv-button tve_ea_thrive_animation tve_anim_sweep_to_top tcb-local-vars-root" data-tcb_hover_state_parent="" data-button-style="btn-tpl-58359" data-css="tve-u-1a11c8f7584" style="">
<div class="thrive-colors-palette-config" style="display: none !important"></div>
<p>	<a href="https://thecollegeinvestor.com/43949/ivywise-review/" class="tcb-button-link tve_evt_manager_listen tve_et_mouseover" data-tcb-events="__TCB_EVENT_[{&quot;t&quot;:&quot;mouseover&quot;,&quot;config&quot;:{&quot;anim&quot;:&quot;sweep_to_top&quot;,&quot;loop&quot;:1},&quot;a&quot;:&quot;thrive_animation&quot;}]_TNEVE_BCT__" style="border: 4px solid var(--tcb-local-color-f8570);"><br />
		<span class="tcb-button-texts" style=""><span class="tcb-button-text thrv-inline-text" style="">READ THE REVIEW</span></span><br />
	</a>
</div>
</td>
</tr>
</tbody>
</table>
</div>
<div class="thrv_wrapper thrv_text_element">
<h2 class="" id="t-1635169444041">How Do I Open An Account?</h2>
</div>
<div class="thrv_wrapper thrv_text_element">
<p>You can get started with Empowerly by booking a free 30-minute video consultation on its website.&nbsp;</p>
</div>
<div class="thrv_wrapper thrv_text_element">
<h2 class="" id="t-1635169444042">Is Empowerly Safe To Use?</h2>
</div>
<div class="thrv_wrapper thrv_text_element">
<p>Empowerly is a legitimate college admissions counseling platform. It's been around since 2017 and has helped over 5,000 students get into their school of choice. Its <a href="https://empowerly.com/about-us/" target="_blank" rel="noopener">"About Us" page</a> features pictures and bios of several team members.&nbsp;</p>
</div>
<div class="thrv_wrapper thrv_text_element">
<h2 id="t-1635169444045" class="">How Do I Contact Empowerly?</h2>
</div>
<div class="thrv_wrapper thrv_text_element">
<p>Existing Empowerly students and parents can reach out via email at <a href="mailto:support@empowerly.com" class="" style="outline: none;">support@empowerly.com</a> for support. If you're new to Empowerly, you can send an email to enrollment@empowerly. You can also contact Empowerly by calling 1(800) 491-6920.</p>
</div>
<div class="thrv_wrapper thrv_text_element">
<h2 class="" id="t-1635169444043">Is It Worth It?</h2>
</div>
<div class="thrv_wrapper thrv_text_element">
<p>Empowerly may be worth considering for families who want comprehensive guidance. I like that they combine individual counseling and application feedback with standardized test prep. I also like the specialized programs that allow students to take a deep dive into different academic and career interests. </p>
<p>Unfortunately, Empowerly's lack of transparency about pricing is a major drawback, because it makes it harder to comparison shop. We're strong believers that even premium pricing should be transparent.</p>
<p>If you find its service offering compelling, I recommend booking a free consultation and asking about pricing. Only then can you make a fair comparison between Empowerly and alternatives like IvyWise, CollegeZoom, or others.&nbsp;</p>
<p><a href="https://thecollegeinvestor.com/go/empowerly" target="_blank" rel="nofollow" class="" style="outline: none;"><strong>Check out Empowerly here &gt;&gt;</strong></a></p>
</div>
<div class="tcb_flag" style="display: none"></div>
<div class="editor-reviewer"><p><span class="edited-by"><svg xmlns="http://www.w3.org/2000/svg" class="icon icon-tabler icon-tabler-circle-check" width="24" height="24" viewBox="0 0 24 24" stroke-width="2" stroke="currentColor" fill="none" stroke-linecap="round" stroke-linejoin="round">
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        <circle cx="12" cy="12" r="9"></circle>
        <path d="M9 12l2 2l4 -4"></path>
     </svg> Editor: <a href="https://thecollegeinvestor.com/author/robert/">Robert Farrington</a></span> </p></div><p>The post <a rel="nofollow" href="https://thecollegeinvestor.com/90178/empowerly-review/">Empowerly Advising Review: College Admissions Counseling</a> appeared first on <a rel="nofollow" href="https://thecollegeinvestor.com">The College Investor</a>.</p>
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