FAFSA

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Just want to add one more thing that might help - when you do submit your FAFSA, make sure to check each school's financial aid portal afterward to see if they need any additional documents. Some schools require verification or have their own supplemental forms even after you submit FAFSA. I learned this the hard way when one of my schools almost didn't process my aid package because I missed their deadline for additional paperwork. Good luck with your applications!

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This is such important advice! I almost made the same mistake with my CSS Profile schools last year. Some of them wanted tax transcripts and additional forms within just a few weeks of the FAFSA submission. It's definitely worth making a spreadsheet with all your schools' deadlines and requirements so nothing falls through the cracks. The financial aid process is stressful enough without missing deadlines!

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As someone who just went through this process last year, I can confirm what others have said - the order only matters for state aid programs, not federal aid. Since you're in Michigan, definitely put your top Michigan public university first to maximize your state grant eligibility. I'd suggest ordering them: 1) Top choice Michigan public school, 2) Other Michigan schools, 3) Out-of-state/private schools by preference. Also, don't stress too much about the exact order of your private schools - focus more on meeting all the deadlines and making sure you complete any school-specific requirements. The FAFSA is just the first step!

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This is really helpful advice! I'm also going through the FAFSA process for the first time and it's pretty overwhelming. The ordering strategy you mentioned makes a lot of sense - prioritizing state aid first, then organizing by preference. I'm curious though, do you know if there's a difference in how quickly schools process FAFSA information based on when you submit? Like if I submit in December vs February, will that affect my aid package or just the timing of when I hear back?

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Did you ever get this fixed?? I'm dealing with something similar now and pulling my hair out!

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Yes! Finally resolved it yesterday. I used the Claimyr service someone mentioned above to get through to FSA without the 2+ hour wait. The agent put notes on both accounts and manually cleared the SSN flag. Twin A's application is now being reprocessed with the correct info, and Twin B was able to create her account today. The agent said to expect another 5-7 days for both to fully process, but at least we're moving forward now!

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So glad to hear you got it resolved! I'm a financial aid counselor and I always recommend families dealing with SSN mix-ups to get that FSA case number and agent notes like you did. For anyone else reading this thread - the key is getting the official documentation that there was a technical issue, not user error. This helps immensely when schools are reviewing aid applications that seem "late" due to processing delays. Niko, make sure to forward those case numbers to your twins' schools' financial aid offices along with a brief explanation. Most schools will note your file and ensure you're not penalized for the delay. The new FAFSA system has had so many of these technical glitches this year that most aid offices are very understanding about documented processing issues.

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Update: My Student Aid Report came through! My SAI is 4,289 - is that considered high or low? What kind of aid might I qualify for with this number?

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An SAI of 4,289 is relatively low, which is good news! You'll likely qualify for some need-based aid, possibly including Pell Grants (free money). The exact aid package will depend on your school's cost of attendance, but with that SAI, you should be eligible for subsidized loans and possibly state grants too. Each school will send you a financial aid package showing exactly what you qualify for.

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thats lower than mine and i got pell grants and work study! ur in good shape

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That's awesome that your SAR came through so quickly! An SAI of 4,289 is definitely on the lower side, which means you should qualify for decent financial aid. For reference, the maximum Pell Grant eligibility usually goes up to an SAI around 7,000-7,500 (depending on the year), so you're well within that range. You'll probably get some Pell Grant money, subsidized loans where the government pays interest while you're in school, and potentially work-study opportunities. The exact amount will depend on each school's cost of attendance, but you're in a good position! Make sure to keep an eye out for your financial aid award letters from the schools you applied to - they should start coming in soon.

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This is really helpful info! I didn't know about the SAI threshold for Pell Grants. Quick question - when you say "award letters from schools," do those come by email or regular mail? And about how long after getting your SAR should you expect to hear from the schools? I'm getting impatient waiting to see what kind of aid package I might get!

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Thanks everyone for the helpful responses. Based on all your advice, since this is definitely a custodial UTMA account, I'll report it as my daughter's asset on the FAFSA. I'm also considering using some of the funds to purchase a laptop for her before filing, since she'll need one for college anyway. This community has been incredibly helpful - navigating financial aid is so confusing!

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That sounds like a solid plan! And if you need to make any adjustments later or have verification issues, don't hesitate to come back here. Good luck with the FAFSA!

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Just wanted to add one more thing that might help others - if you're dealing with custodial accounts and worried about the FAFSA impact, you might want to consult with a fee-only financial planner who specializes in college planning. They can help you understand strategies like the timing of asset liquidation or even whether it makes sense to transfer custodial assets back to parent ownership in some cases (though there are tax implications). I learned this the hard way after already filing, but it's worth the consultation fee to get personalized advice based on your specific situation and timeline.

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This is really great advice about consulting a fee-only financial planner! I'm curious - when you mention transferring custodial assets back to parent ownership, is that actually possible once a UTMA/UGMA account is established? I thought those transfers were irrevocable. What kind of tax implications are we talking about? I'd love to understand this option better since we still have a couple years before my younger daughter starts college.

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I'm having this exact same problem! Been locked out for the past 4 days trying to complete my Parent PLUS loan application. The "unknown error" message appears right after I enter my FSA ID, just like everyone else here. This thread has been such a relief to find - I was genuinely starting to think my account was permanently broken or something was wrong with my information. Reading through all these solutions gives me so much hope! I'm definitely going to try the 2am login approach tonight since it worked for Taylor and so many others. If that doesn't work, I'll do the password reset and 30-minute wait method that Ezra outlined. My school's financial aid office deadline is in 9 days, so I have some breathing room but the stress is definitely building. Thanks everyone for sharing actual working solutions instead of just venting - this community has been infinitely more helpful than trying to get through to FSA support! Really appreciate having proven strategies to try now.

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I'm experiencing this exact same issue! Been locked out for the past 3 days trying to submit my updated income information and keep getting that "unknown error" right after entering my FSA ID. This thread has been such a lifesaver to find - I was starting to panic thinking something was permanently wrong with my account. Reading through everyone's solutions really gives me hope that this is fixable! I'm definitely going to try the 2am login approach tonight since it worked so well for Taylor and so many others here. If that doesn't work, I'll do the full password reset and 30-minute wait method that Ezra suggested. My priority deadline is coming up in 7 days so I'm feeling the pressure, but at least now I have actual proven strategies to try instead of just randomly attempting to log in all day. Thanks everyone for sharing what actually worked - this community support has been way more helpful than hours trying to get through to FSA support!

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I'm dealing with this too! Been locked out for 2 days trying to update my school selection. It's so reassuring to see this thread with actual working solutions - I was getting really worried about my deadline too. Based on everything I've read here, the 2am approach seems to be the most reliable fix. I'm planning to try it tonight as well. If that doesn't work, I'll definitely try the password reset method that Ezra mentioned. Seven days should give you enough time to work through these different solutions. Good luck tonight - hopefully we both get through! This community has been amazing at sharing what actually works.

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