什么是学生资助指数?
The 2025-26 FAFSA, or 联邦学生资助免费申请, is the primary application for need-based financial aid for the 2025-26 academic year. A student and parent/s submit household and financial information. Based on this information, the FAFSA calculates the amount a family can pay for college in a given year, now called the 学生资助指数(SAI).
一所大学的财政援助办公室使用 学生资助指数 按照下面的简单公式来确定学生是否有资格获得基于需求的经济援助,因为学校 出席费用.
Cost of Attendance – Student Aid Index = Financial Need
一名学生的 财务需求 是他们的 合格 寻求大学援助。 However, the rules governing Federal Student Aid plus each college’s policies on allocating their institutional need-based funds determine a college’s financial aid offer, which may or may not meet a student’s calculated 财务需求.
学生援助指数是如何计算的?
Family size, parents’ marital status, state of residence, along with four primary financial inputs, determine the 2025-26 Student Aid Index.
- Parent 2023 Income
- Parent Assets on the filing date
- Student 2023 Income
- Student Assets on the filing date
一个重大变化是,大学学生人数将不再用于 SAI 计算公式。
1)父母收入
The 2025-26 FAFSA relies on 2023 federal tax returns for all parent income, eliminating the reporting of non-taxed income not included on the federal tax returns. Notably, parents making pre-tax contributions to employer retirement plans will no longer count as part of parent income.
A first step determines whether a student qualifies for an SAI = $0 and the maximum Pell Grant. If the parent’s Adjusted Gross Income (AGI) is below a multiple of the Federal Poverty Level income for your state and family size, then the student’s SAI = $0. If the parent is not required to file federal tax returns in 2023, then the SAI = -$1,500. This step is incorporated as part of this calculator.
2)母公司资产
The 2025-26 FAFSA will continue to include all assets a parent owns outside of 1) retirement accounts, 2) a primary home, and 3) life insurance policies. The assets counted as Net Worth include checking, savings, CDs, brokerage accounts, 529 or college savings plans 仅有的 for the student applicant, and equity value of second properties.
Two additional categories will be counted as parent assets for the calculation of SAI.
- Child support received. A parent reports all child support received in the calendar year prior to filing the FAFSA as an asset at the time of application. Child support received was previously reported as non-taxed income.
- Net worth of business or farm. The net worth of a business or farm is the value of the business or farm minus any debt against that business or farm. A parent that is only a part owner would report their percentage of the overall net worth.
2) Student Income
The 2025-26 FAFSA provides income protection for a student equal to $11,400. In other words, there will be no expected contribution from student income if 2023 income is $11,400 or less. For every dollar over this amount, the contribution rate is 50%. 请注意,如果学生根据其父母的调整后总收入符合 SAI = $0 的资格,则学生收入将不计入 SAI 计算。
4)学生资产
All assets held by a student outside of retirement are reported. These include checking, savings, CDs, and brokerage accounts for most students. 529 or college savings plans owned by the student are always reported as a parent asset. The contribution rate for student assets is 20% of every dollar. Again, if the student qualifies for SAI = $0 based on their parent’s Adjusted Gross Income, then any assets held by the student will not factor into the SAI calculation.
2025-26 FAFSA 学生资助指数计算器
To calculate your Student Aid Index, you can use values from the parent’s and student’s 2023 tax returns and the current value of parent and student assets. 注意:此计算器适用于受抚养学生。
这个计算器是如何开发出来的?
This calculator follows the 2025-26 Student Aid Index formula published by the Department of Education in August 2024. You can download the formula sheet 这里.
使用此计算器时请考虑以下事项。
- Student Aid Index formula exempts reporting parent assets if the parent AGI is less than $60,000 AND either
- 未提交附表 A、B、C(收益或损失大于 $10,000)、D、E、F 或 H。
- Student Aid Index formula also exempts reporting parent assets if the parent or student receives any means-tested federal benefit, including:
- 劳动所得税抵免(EITC)
- 联邦住房援助
- 免费或减价的学校午餐
- 医疗补助
- 合格健康计划 (QHP) 承保范围内的可退还信用额度
- 补充营养援助计划(SNAP)
- 补充保障收入(SSI)
- 贫困家庭临时援助(TANF)
- 妇女、婴儿和儿童特别补充营养计划(WIC)