Is $5,500 Really All My Kid Can Borrow For College?
Dependent undergrads can borrow $5,500 their first year, a limit unchanged since 2008. Here’s what the caps cover, what changed in 2026, and how much to borrow.
Find comprehensive information on financial aid, including the FAFSA process, scholarships, grants, and more.

Dependent undergrads can borrow $5,500 their first year, a limit unchanged since 2008. Here’s what the caps cover, what changed in 2026, and how much to borrow.

Trusts count as assets on the FAFSA and CSS Profile, even when the beneficiary can’t access the money. Here’s who reports it, which trusts are exempt, and what it costs in aid.

Seven states require the FAFSA or an opt-out form to earn a diploma, and three more track it. See every state’s rules, the repeals, and whether it worked.

Think you make too much for financial aid? The FAFSA has no income cutoff, the 2027-28 form opened early, and your state may require it to graduate.

The FAFSA skips asset questions for families under $60,000 in income, families that received certain federal benefits, and maximum Pell Grant students. Here are the rules.

Trump Accounts are a student asset on the FAFSA, assessed at 20% like a UGMA. Here’s how that compares to a 529 plan and what it costs in aid.

Get the full 2027–28 FAFSA deadline list with federal, state, and school. Learn when to apply, what changed this year, and how to boost your aid eligibility.

A negative SAI isn’t bad. It means the highest financial need on the FAFSA. An SAI of 0 down to -1,500 qualifies you for the maximum Pell Grant. Here’s why.

Learn how to calculate and report assets for FAFSA, including cash, investments, business, and farm net worth.

Here is the Student Aid Index SAI Chart and calculator that shows how much aid students can expect to receive by family income level.

Does being married in college help or hinder your eligibility for student financial aid? Learn more about the potential benefits for married college students.
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