<prompt> Human: Im taking masters classes at night. My income is far above the level for need based grants from the govt. My grades are flawless, but Im still excluded from scholarships from my university due to my income level undergrad is different, but for masters they factor income into their scholarships. Im able to easily pay my tuition costs out of pocket, so the only thing filing my FAFSA the last time around garnered was an offer of unsubsidized loans which I declined. I know the mantra is thou shalt fill out thy FAFSA, but given my circumstances, is there any earthly reason to fill it out that Im missing? Or is it a complete waste of time?  <response>: Sometimes merit based scholarships also require a FAFSA despite your EFC not impacting eligibility. Might be worth it to look into that. 