Families Planning for Multiple Students

A few years ago, we shared news about updates to the federal financial aid formula that were included in the COVID relief bill. As we settle into the 2025-26 school year, we understand that many colleges and universities are not considering sibling overlap at all, even with their own institutional dollars. Bottom line is that, for most families, the number of children you have in college at the same time will no longer reduce your student aid index (SAI).  This update has created a more consistent formula for families as they plan for multiple children over multiple college years. This change may feel like a major setback for families with twins or closely spaced children, especially if you had counted on receiving additional aid during overlapping college years.  What Can Families Do?  Unfortunately, reversing this change would require legislative action. In the meantime, here’s what families can do: 

• Understand how the change affects your situation. Use net price calculators and talk to financial aid offices prior to applying to the institution. 
• Adjust your savings strategy. If you have younger children, consider increasing contributions to college savings plans. 
• Explore a range of college options. Price tags vary widely, and planning can make a big difference. 
• Include your student in the discussion around costs and paying for college. Share how you expect them to participate by working part-time, looking for private scholarships, or borrowing a student loan.

What about Institutional Aid?  While the FAFSA still asks how many children you have in college, that number will no longer factor into federal aid calculations. However, colleges have discretion when awarding their own institutional aid. Some schools, especially those using the CSS Profile, may still consider the number of students in college. Others might treat it as a special circumstance upon appeal.  Questions to Ask Colleges  When visiting or speaking with financial aid offices, consider asking: 

• How do you treat families with multiple children in college under the current FAFSA rules? 
• Will you require additional documentation or applications for need-based aid? 
• Will having multiple children in college be considered a special circumstance for appeals? 

Final Thoughts  While this change is not new, it is still a concern for many families. Don’t let it derail your college planning. Stay informed, ask questions, and revisit your financial strategy as needed.