As a newcomer to this community, I'm so grateful to have found this incredibly detailed discussion! I'm dealing with almost the exact same situation - my son just got his FAFSA results with a substantial Pell Grant, and he's been eager to start working part-time. I've been losing sleep over whether his earnings might jeopardize his financial aid. Reading through all these responses has been such an education. The prior-prior year tax information timing is absolutely crucial to understand - knowing that his 2024 earnings won't affect the 2025-2026 FAFSA completely changes how I'm approaching this decision. And the explanation of the student income protection allowance ($7,600+) makes the system seem so much more reasonable than I initially feared. I'm particularly appreciative of the financial aid professional who emphasized that the system encourages rather than penalizes student work. That perspective really helps me focus on the bigger picture - the work experience, responsibility, and networking opportunities are probably worth far more than any minor future aid adjustments. The work-study tip is golden! I had no idea that income from those positions doesn't count against future FAFSA calculations. That sounds like the perfect solution once he starts college. Thank you all for sharing your expertise and real-world experiences. This community is such a valuable resource for parents navigating these complex decisions!

As a newcomer to this community, I'm so grateful I found this thread! I'm in almost the exact same situation with my daughter - she just received her FAFSA results with a good Pell Grant and is eager to start her first part-time job. I've been incredibly anxious about how her earnings might affect her financial aid eligibility. This discussion has been absolutely invaluable! Learning about the prior-prior year tax information timing is such a relief - knowing that her 2024 earnings won't impact the 2025-2026 FAFSA takes so much pressure off this decision. And understanding the student income protection allowance (around $7,600) makes the whole system seem much more reasonable and student-friendly than I initially thought. I'm particularly grateful for the professional insights about how the FAFSA formula is actually designed to encourage students to work rather than penalize them. That really helps me focus on the bigger picture benefits - the work experience, financial responsibility, and networking opportunities she'll gain. The work-study information is incredibly helpful too! I had no idea that income from those positions doesn't count against future aid calculations. That sounds like the perfect solution once she starts college. Thank you to everyone who shared their knowledge and experiences. This community is such a wonderful resource for parents trying to navigate these complex financial aid decisions. I feel so much more confident now about encouraging my daughter to pursue work while maintaining her aid eligibility!

As a newcomer to both this community and the FAFSA process, I can't thank everyone enough for this incredibly detailed and reassuring discussion! I'm currently helping my daughter with her first FAFSA and was honestly panicking about the housing question - I kept going back and forth wondering if we were missing something crucial. Reading through all these real-world experiences has been such a relief! It's so helpful to understand that the housing choice mainly impacts each school's Cost of Attendance calculation for institutional aid, while federal aid like Pell Grants remains stable based on the SAI score. What really puts my mind at ease is learning how common and manageable housing changes are - it sounds like financial aid offices are genuinely prepared for students to update their plans throughout the process. I was definitely falling into the trap of trying to predict the future perfectly instead of just taking the next step. Following everyone's advice, we're going to submit this weekend with our best guess and stop overthinking it. This community is such a wonderful resource for anxious parents like me trying to navigate this complex system!

As someone brand new to this community and currently in the thick of helping my son with his first FAFSA, I can't express how much this entire discussion has helped calm my nerves! I was honestly losing sleep over that housing question, wondering if choosing the "wrong" option would somehow derail his entire financial aid package. Reading through everyone's experiences has been such a reality check - I was definitely catastrophizing what is apparently a very routine part of the process. The clarification about federal aid (like Pell Grants) staying constant regardless of housing choice versus institutional aid that varies with Cost of Attendance really helped me understand what's actually at stake here. It's so comforting to learn that housing changes are not only common but expected, and that financial aid offices have streamlined processes for handling these updates. I think as parents we put enormous pressure on ourselves to somehow predict our kids' futures perfectly, when really the system is designed to adapt as plans evolve. Thank you all for sharing your real-world experiences and creating such a supportive space - we're definitely going to submit this weekend with our best guess and stop second-guessing every decision!

I'm going through something similar right now with my daughter's FSA ID! We accidentally put her full first and middle name together in the first name field during the college fair registration process. Reading through all these responses has been so reassuring - I was worried we'd have to start completely over. It sounds like the name correction process through studentaid.gov is pretty straightforward. I'm planning to have her Social Security card, birth certificate, and driver's license all handy when we make the changes just to triple-check everything matches exactly. Thanks to everyone who shared their experiences - this community is such a lifesaver for navigating all these financial aid complexities!

This thread is so helpful! I'm dealing with a similar situation but with my daughter's last name - we accidentally included her hyphenated last name but forgot the hyphen (so it shows as "SmithJones" instead of "Smith-Jones"). From reading all these responses, it sounds like I need to fix this through the same process on studentaid.gov before we submit the FAFSA. I'm assuming the same rules apply for last names as first names when it comes to matching the Social Security card exactly? Has anyone dealt specifically with hyphenated name corrections?

As a newcomer to this community, I wanted to share something that helped us navigate a similar situation. Have you looked into your state's Promise Program or similar statewide scholarship initiatives? Many states now offer "last dollar" scholarships that cover remaining tuition costs after federal and institutional aid for students meeting certain criteria. These programs often have different income thresholds than FAFSA and might help bridge part of your gap. Also, since your daughter is interested in nursing, I'd strongly recommend checking with the American Organization for Nursing Leadership (AONL) and the Emergency Nurses Association (ENA). Both offer scholarship programs specifically for aspiring nurses, and the application pools tend to be smaller than general healthcare scholarships. One thing we discovered during our search is that many nursing schools have "bridge agreements" with local community colleges that guarantee admission and credit transfer for students who complete their prerequisites with a certain GPA. This could be a great way to reduce costs for the first two years while still ensuring she gets into her preferred nursing program. Finally, don't overlook asking about sibling discounts or family plan rates if you have other children who might attend college in the coming years. Some schools offer these but don't advertise them widely. Every discount helps when you're facing such a significant gap!

As a newcomer to this community, I wanted to share something that might help with your nursing school funding challenge. Have you looked into your state's workforce development grants specifically for healthcare workers? Many states offer these to address nursing shortages, and they're often separate from traditional financial aid with different eligibility requirements. Also, I'd suggest checking with local medical device companies, pharmaceutical companies, and healthcare technology firms in your area. Many of these businesses offer educational partnerships or internship programs with tuition assistance that people don't think to explore. They're always looking for students who might eventually work in healthcare settings where their products are used. One thing that worked for a friend of mine was reaching out to nursing faculty at both schools your daughter is considering. Sometimes professors know about research grants, small departmental scholarships, or industry connections that can provide funding opportunities. Faculty often have insights into creative funding solutions that admissions and financial aid offices might not mention. The community college pathway really is worth serious consideration for nursing - the clinical skills are what matter most to employers, and you can often get the same quality hands-on training while saving thousands on prerequisites. Plus, many hospitals actually prefer hiring nurses who have diverse educational backgrounds and real-world experience from working during school. You're being smart to explore every option before taking on massive debt. The nursing field has good earning potential, but starting a career with $100K+ in loans can really limit your daughter's choices about where and how she wants to work after graduation.

I'm going through this exact same situation right now with my daughter starting college in the fall! Reading through all these responses has been so eye-opening. I had no idea that Parent PLUS loans would show up on MY credit report and not hers - I honestly thought it would be the other way around since it's for her education. The timing advice about getting pre-approved for a mortgage before taking out the Parent PLUS loan is brilliant. We're also planning to buy a house next year, so I'm definitely going to call our lender this week to discuss our options. Has anyone here had success with credit unions offering better terms than traditional banks for education loans? I keep seeing mixed information online about whether their rates are actually better. Also, for those who mentioned scholarship applications - are there any specific websites or resources you'd recommend for finding scholarships that are still accepting applications for fall 2025? We applied to several earlier this year but didn't have much luck, and I'm wondering if there are less competitive local ones we might have missed.

I'm also navigating this for the first time with my son starting college this fall, and this thread has been incredibly educational! I had the same wrong assumption that Parent PLUS loans would somehow be tied to my son's credit rather than mine. One thing I wanted to add that I learned from speaking with our financial planner - if you're planning to buy a house, it might be worth exploring whether you can time your home purchase for this spring/early summer before taking out the Parent PLUS loan for fall semester. Even though the loan won't be disbursed until August/September, some lenders will count the approved loan amount in your DTI calculations once you've completed the application process. Also, has anyone looked into employer tuition reimbursement programs that might apply to dependents? I just discovered that my company offers up to $2,500 per year for employees' children, but I had to specifically ask HR about it since it wasn't in our standard benefits package. It's not huge, but every little bit helps when you're trying to minimize borrowing. The advice about getting pre-approved for your mortgage first is something I'm definitely going to follow. Thanks to everyone who shared their experiences - it's so helpful to hear from people who've actually been through this process!