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Welcome to the community! As a newcomer here, I'm really grateful to have found such a supportive group of parents dealing with similar FAFSA challenges. I'm actually in almost the exact same boat - my daughter was initially planning on an out-of-state school but just got accepted to our state university. Reading through all these responses has been incredibly enlightening! I had no idea that the federal FAFSA amount stays consistent regardless of school choice, but that in-state schools often have access to so many additional funding opportunities through state grants and institutional aid. The advice about updating the FAFSA to include the new school code and scheduling an in-person meeting with financial aid is exactly what I needed to hear. I'm also planning to research our state's specific grant programs - it sounds like many states have substantial aid available that I wasn't even aware of. One thing I'm curious about - for those who made the switch from out-of-state to in-state plans, did you find the transition easy for your student emotionally? My daughter had her heart set on the out-of-state experience, so I'm trying to help her see all the benefits of staying closer to home with better financial support. Thanks for creating such a valuable resource for navigating these complex decisions!
Welcome to the community! I completely understand your daughter's feelings about the out-of-state experience - my son went through the same emotional adjustment when we made a similar switch last year. What really helped was framing it as choosing the smarter financial path that would give him more opportunities in the long run, rather than "settling" for the in-state option. A few things that made the transition easier: We visited the in-state campus together and he was surprised by how much he liked it once he really explored it with an open mind. We also calculated exactly how much money the in-state choice would save over four years - seeing those numbers made the decision feel more empowering than disappointing. Plus, having less debt after graduation means more freedom for things like study abroad programs, internships, or graduate school. The local connections ended up being a huge bonus too - being part of the state's university system opened doors to internships and networking opportunities that wouldn't have been available out-of-state. Sometimes the "dream school" fantasy overlooks all the practical benefits of staying closer to home with better financial support. Your daughter might find that the in-state school offers experiences she hadn't even considered before!
Welcome to the community! As a newcomer here, I'm really amazed by how helpful and knowledgeable everyone has been in this thread. I'm actually dealing with a very similar situation with my son who was originally accepted to an out-of-state school but just got into our state university as well. Reading through all these responses has been incredibly educational - I had no idea that the federal FAFSA amount stays the same regardless of which school you choose! The information about state-specific grants and the importance of meeting with financial aid counselors in person is exactly what I needed to hear. I'm definitely going to follow the advice about updating our FAFSA to include the in-state school code and scheduling that face-to-face meeting with their financial aid office. It sounds like there could be significant additional funding available through state programs that I wasn't even aware of. One question I have - for those who've successfully navigated this transition, how long did it typically take to receive a complete financial aid package from the in-state school after updating your FAFSA? I want to make sure we have realistic expectations about timing as we make this important decision. Thanks so much for creating such a supportive space to work through these complex financial aid challenges!
Welcome to the community! Great question about timing - from what I've experienced and read here, most schools take about 1-2 weeks to process the FAFSA data and put together an initial aid package once they receive it. However, the really comprehensive packages with all the state grants and institutional scholarships can take a bit longer, sometimes 3-4 weeks, especially during busy periods. The key thing I've learned from this thread is that the initial package might not include everything you're eligible for, which is why that in-person meeting with financial aid is so important. They can often find additional funding sources or help you apply for programs that weren't automatically included in the first offer. One tip from my own experience - when you update the FAFSA, make sure to follow up with the school to confirm they received the information. Sometimes there can be processing delays, and a quick call can help move things along. Also, don't hesitate to mention your timeline constraints when you meet with financial aid - they often have some flexibility to expedite reviews for students making time-sensitive decisions. The good news is that you're making this switch at a great time - as others mentioned, schools often have additional funding available in late spring as students decline other offers. Good luck with the process!
Update: It went back to "processed" today! That was much faster than I expected after reading some of your comments. All 3 new schools now show up in his account too. Thanks everyone for the help and reassurance!
That's great news! So relieving when everything works out smoothly. This whole thread has been super helpful for understanding how the system works. Good luck to your son with all his applications!
That's awesome that it resolved so quickly! This thread has been really helpful - I'm bookmarking it in case I run into the same issue when my daughter applies next year. It's so reassuring to see how the community comes together to help each other navigate this confusing process. Thanks for sharing the update!
Thanks for all the helpful responses! Just to confirm what I'm understanding: neither my 401k loan nor my Roth IRA withdrawal (since it was just contributions) need to be reported as income on the FAFSA since neither showed up as taxable income on my tax return. I'll keep documentation ready in case we get selected for verification, but it sounds like I've been worrying unnecessarily. This definitely helps me feel more confident about completing my daughter's FAFSA application correctly!
That's exactly right! You've got a good understanding of the rules now. Since neither transaction appears as taxable income on your tax return, you don't need to report them on FAFSA. One small tip for peace of mind: when you submit your FAFSA, make a note in your records about these transactions and keep your documentation handy (401k loan agreement, Roth IRA statements showing contribution history). That way if you do get selected for verification, you'll have everything ready to go and can quickly resolve any questions. Good luck with your daughter's financial aid application! The new FAFSA system can definitely be confusing, but you're handling it correctly.
This is such helpful advice! I'm new to this whole FAFSA process and was feeling overwhelmed by all the different rules about what counts as income. Reading through this thread has been really educational. I'm curious though - do you know if there are any other common retirement account transactions that people often get confused about when filling out FAFSA? I want to make sure I'm not missing anything else that might trip me up.
New member here dealing with the exact same issue! Submitted my FAFSA in late November and it's been stuck on pending for over 3 months now. This thread has been incredibly helpful - I had no idea about checking spam folders for verification emails or that there could be "silent holds" not showing in the portal. I've been calling FSA almost daily with zero luck, so I'm definitely going to try that Claimyr service @Alejandro Castro mentioned. Also planning to contact my school's financial aid office tomorrow to document the delay like @Maggie Martinez suggested. It's both reassuring and scary to see how many of us are dealing with this nightmare. My parents are getting really anxious about planning for Parent Plus loans and I'm worried about scholarship deadlines, but reading everyone's experiences here gives me hope that schools are being flexible. Has anyone heard any recent updates from the Department of Education about timeline for November/December submissions? Thanks for sharing all your advice and experiences - at least we know we're not suffering through this alone!
Welcome to the community! I'm also a new member dealing with this exact FAFSA nightmare. Submitted mine in mid-December and still pending after nearly 3 months. This thread has been such a lifesaver - I had no idea about the spam folder issue or silent holds either. Definitely going to try the Claimyr service since regular FSA calls have been completely useless. From what I'm reading here, it sounds like the Department of Education is still processing November submissions, so December ones like ours probably won't move until April. At least most schools seem to be extending deadlines since this is affecting millions of students. Thanks for sharing your experience @James Martinez - it really helps to know we're all struggling through this together!
Just joined this community because I'm dealing with the exact same FAFSA disaster! Submitted mine in early December and it's been stuck on pending for almost 3 months now. This thread has been incredibly helpful - I had no idea about checking spam folders or that there could be silent verification holds not showing up in the portal. I've been calling FSA practically daily with zero success, so I'm definitely going to try that Claimyr service @Alejandro Castro mentioned. Also planning to contact my school's financial aid office tomorrow morning to document the delay like @Maggie Martinez suggested. It's both comforting and terrifying to see how widespread this issue is. My parents are starting to stress about Parent Plus loan planning and I'm worried about scholarship deadlines, but reading everyone's experiences here gives me hope that most colleges are being understanding. Has anyone gotten any recent timeline updates from the Department of Education about when December submissions might actually get processed? Thanks for all the helpful advice - at least we know we're not alone in this mess!
Katherine Ziminski
I'm currently going through my own SAP appeal process and wanted to add something that really helped me - if your school has a financial aid workshop or counseling appointments available, definitely try to schedule one before submitting your appeal. At my school, they had a financial aid counselor review my draft appeal letter and documentation before I officially submitted it. She caught a few things I missed and helped me strengthen my explanation. Some schools also have writing centers that can help with appeal letters if you're not sure how to structure it. Also, since you mentioned you're in nursing school - many nursing programs have their own student success coordinators who are familiar with SAP issues. They might be able to provide a letter of support or connect you with resources specific to nursing students. Your situation sounds very promising given your GPA and proximity to graduation. The fact that you've been successful since returning to the nursing program is exactly what they want to see. Best of luck with your appeal!
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Diego Vargas
•This is excellent advice about getting help with the appeal before submitting it! I didn't even think about asking someone to review it first. I'm definitely going to see if my school offers any kind of financial aid counseling or workshops. And you're absolutely right about checking with the nursing program - they probably see SAP issues fairly often and might have specific resources or contacts that could help. Thanks for mentioning the writing center too - that's a great resource I hadn't considered. It's really encouraging to hear from so many people who have successfully navigated this process!
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Hazel Garcia
I went through a SAP appeal last year and it was approved! One thing that really helped me was creating a timeline showing my academic journey - including the reasons for my major changes and how my grades improved once I found the right program. For your appeal, I'd definitely include: - Your current nursing program GPA (if it's different/higher than your overall GPA) - A letter from your nursing advisor confirming you're in good standing and on track for May graduation - Documentation showing you've been successful since re-entering the nursing program in fall 2023 The fact that you're so close to graduation with a solid GPA works strongly in your favor. Financial aid offices generally want to help students cross the finish line when they can demonstrate they're on the right track. Just be thorough with your documentation and honest about your journey - they've seen it all before and understand that students sometimes need time to find their path. You've got this! Being one semester away with a 3.4 GPA puts you in a much better position than many SAP appeals they review.
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Liam O'Sullivan
•Thank you so much for sharing your experience and the timeline idea! That's brilliant - I think showing the progression from my struggles in 2018 to my success since returning to nursing will really help tell my story effectively. I love the suggestion about highlighting my nursing program GPA specifically if it's higher than my overall GPA, which it actually is! It's so helpful to hear from multiple people who have been through this successfully. All of your advice is giving me much more confidence that this appeal can work out. I'm going to start putting together all the documentation this weekend and reach out to my nursing advisor first thing Monday morning. Really appreciate everyone taking the time to help - this community is amazing!
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