@MAmom111 if you want your son or daughter to take the federal loan (which anyone can take…you don’t have to have need), then you need to file FAFSA. I believe freshman year the max amount is $5500.
The only reason to not do it at all is just the time to takes to do it. It only took me 30 minutes and I was curious about our FAFSA EFC so I did it. But I didn’t send it anywhere. CSS is more complicated and I didn’t even bother looking at it