So your income is really $52K but it’s reduced by your FSA contribution.
So is your AGI $42,000?
Someone…how much Pell Grant would a family of 3 get with that AGI?
@mommdc the OP mentions a FSA which is a flexible spending account. That’s not a 401k. But it does beg the question to the OP…did you make any contributions to a tax deferred retirement account?