One of the ways to declare independency on the fafsa is to be married. My girlfriend and I are stuck in very similar situations - our fathers make enough money to not to recieve any aid but have many other expenses and cannot afford to pay for us. They also have horrible credit and cant get any loans. I have figured out my situation for freshmen year, I have to commute nearly entirely on loans, but this is completely over extending my financial means. My girlfriend is a year younger and we are both intelligent for our ages, but we cant seem to understand how our financial future already looks this bleak! If we get married can we declare ourselves independent for next year and recieve the need based aid that we actually need?