Even if the student thinks he won’t qualify for grants or scholarships, he should submit the Free Application for Federal Student Aid, or FASFA, regardless. Colleges and universities typically require one before they’ll make awards anyway. The student may be surprised at the result. And he won’t have to pay those dollars back. “No one should skip the FASFA application,” says Heather Jarvis, an attorney specializing in student loan law and founder of AskHeatherJarvis.com.