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LawTalk, Attorney and Counselor at Law
Category: Family Law
Satisfied Customers: 37851
Experience:  30 years legal experience. I remain current in Family Law through regular continuing education.
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If I am on my parents insurance and do not live with them,

Customer Question

If I am on my parents insurance and do not live with them, can I be considered emancipated? I am over 21. Looking for assistance with college.
Submitted: 2 years ago.
Category: Family Law
Expert:  LawTalk replied 2 years ago.
Good afternoon,
I'm Doug, and I'm very sorry to hear of your situation. My goal is to provide you with excellent service today.
Whether you will be deemed emancipated for student loans depends on the type of loan you are seeking. The most common loan is the FAFSA federally guaranteed student loans. For you to be declared an independent student for FAFSA financial aid purposes, you must show that you are either married, in the military, have a child or show that you are at least 24 years of age.
Some private student loan lenders don't have these strict requirements but as the vast majority of student loans are FAFSA loans, absent meeting the strict requirements, you will not be granted independent status for loan purposes until you reach 24 years of age.
Speak with your admissions office about other possible loans through private lenders who bypass the federal guarantee system.
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