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Thank you everyone for the helpful information! I understand now that I was misinterpreting how FAFSA works. The regular student loans go directly to my son regardless of me filling out the parent portion of the FAFSA. The Parent PLUS loans are completely separate and optional, so I can simply choose not to apply for those. I'll have my son reach out to his financial aid office to make sure we understand his complete aid package, and I'll be clear that we don't want Parent PLUS loans included. This is such a relief!
Exactly right! And just to add - make sure your son understands the borrowing limits for his Federal Direct Loans ($7,500/year as a junior/senior) and plans accordingly. If there's still a gap after grants and his own loans, he might need to look into scholarships, part-time work, or private student loans in his own name (though these typically require a cosigner). Good luck to both of you!
I went through this exact same confusion with my daughter two years ago! The FAFSA paperwork really does make it seem like you're taking on responsibility for everything, but as others have explained, you're just providing your financial info so they can calculate your son's aid eligibility. The key thing that helped me was understanding that there are basically two separate processes: 1) The FAFSA itself, which determines what aid your son qualifies for (grants, work-study, and those Direct Loans that go in HIS name), and 2) The optional Parent PLUS loan application that comes later if there's still a gap in funding. You can absolutely say no to the Parent PLUS loans! Your son will still get his regular financial aid package. It's great that you got your loans forgiven - don't let the schools pressure you into taking on new debt when your son can handle his own student loans.
dont forget this stuff can affect ur daughters SAI score on FAFSA 2! make sure whatever u report to IRS matches wut u put on FAFSA or they might flag u for verification which is a WHOLE other headache!!!
Actually, this particular tax filing issue won't affect the SAI calculation. The 2025-2026 FAFSA uses the information you report directly, and while verification can happen, the specific issue here (dependent checking a box incorrectly on their own return) doesn't trigger FAFSA verification. As long as the income and household size reported on the FAFSA are correct, the SAI calculation remains the same regardless of how the tax filing conflict is resolved.
I went through this exact same situation last year! The most important thing is to act quickly. Here's what worked for me: First, check if your daughter's tax return shows she can be claimed as a dependent. If not, she needs to file Form 1040-X immediately. I made the mistake of waiting "to see what would happen" and it just made everything worse. Second, while you're waiting for the amended return to process, you CAN still e-file your taxes claiming her as a dependent - the IRS will just hold both returns for manual review, which takes longer but isn't the end of the world. The good news is this won't mess up her financial aid at all. The FAFSA and tax filing systems are completely separate, so as long as you reported everything correctly on the FAFSA itself, her aid package won't be affected. Pro tip: If you need to reach the IRS about this, call first thing Monday morning (like 7 AM) - that's when the wait times are shortest. Good luck!
This thread has been so helpful! I'm a newcomer to all this financial aid stuff and was completely panicking when I saw my son's Cal Grant A showing as pending with that same graduation date error message. I've been refreshing the CSAC portal every few hours thinking I was missing some deadline or doing something wrong. It's such a relief to read that this is totally normal timing and that the system just won't let you enter the date until May. I feel so much better knowing other families are going through the exact same thing. I'm definitely going to take screenshots starting today and keep checking back weekly like everyone suggested. Thank you all for sharing your experiences - this community is amazing for first-time parents navigating this process!
Welcome to the community! I'm so glad you found this thread before stressing out too much. I was doing the exact same thing - refreshing that portal constantly and wondering what I was missing. It's crazy how the system doesn't give you any heads up that this waiting period is normal. Reading everyone's experiences here has been such a game changer. The screenshot advice is definitely worth following - better safe than sorry with these government systems! It sounds like you're on the right track now. Keep us posted on how it goes when May rolls around!
I'm so grateful to have found this thread! I'm a newcomer here and was completely overwhelmed when I saw my daughter's Cal Grant A showing as pending with that graduation date issue. I've been losing sleep thinking we messed something up or were going to miss a crucial deadline. Reading through everyone's experiences has been such a huge relief - it's amazing how many families are dealing with the exact same situation. The fact that this is just how CSAC's system works and we simply need to wait until May makes so much sense now. I'm definitely going to start taking those screenshots everyone mentioned, and I'll stop obsessively checking the portal every day (maybe just weekly like suggested!). Thank you all for creating such a supportive space for parents navigating this confusing financial aid process for the first time. It's incredible how much stress you can relieve just by knowing you're not alone!
As another newcomer to the FAFSA world, I'm incredibly grateful for this thread! I was just about to start my daughter's application this weekend and had no idea about any of these potential issues. Reading through everyone's experiences has been like getting a crash course in FAFSA troubleshooting. I'm definitely going to follow the advice here - use Firefox, have her Social Security card right in front of me for exact name formatting, and try during off-peak hours. It's such a relief to know that citizenship verification errors are just system glitches and not actual problems with our kids' records. This community's willingness to share detailed solutions and support each other through this stressful process is truly wonderful. Thank you all for making this feel so much more manageable!
Welcome to the community, Raúl! It's wonderful to see so many newcomers finding this thread helpful. Your preparation plan sounds excellent - you're really taking all the lessons learned here to heart. I'd also suggest keeping the FSA phone number handy just in case, and don't panic if you do encounter the citizenship error. As Connor showed us, sometimes it's just a matter of trying a different browser or waiting a bit for the system to stabilize. The fact that this community has created such a comprehensive troubleshooting guide through sharing our experiences shows how supportive everyone is here. Best of luck with your daughter's application this weekend - you've got this!
This thread is such a goldmine of information! As a complete newcomer to the FAFSA process (my oldest is a junior in high school), I'm already taking notes for next year. The browser compatibility issue is something I never would have thought of, and the detail about exact name formatting matching the Social Security card is incredibly valuable. It's reassuring to see how this community comes together to help solve these frustrating technical problems. I'm definitely bookmarking this thread and will be recommending it to other parents in my situation. Thanks to everyone who shared their experiences - you're making this intimidating process feel much more manageable for those of us just starting to navigate it!
Eve Freeman
I'm dealing with this exact same issue right now! My daughter's CSS Profile is due in two days and I've been stuck on this phone number screen for 20 minutes. After reading through all these comments, I'm going to try the +15551234567 format since that seems to work for most people. It's absolutely insane that College Board would change their system requirements without putting ANY indication on the actual form about what format they want. This is such basic UX design - just add an example or helper text! Thank you so much to everyone who shared their working solutions here. This thread is literally more helpful than College Board's entire help section. Fingers crossed the +1 format works for me too!
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GalacticGladiator
•I hope the +1 format works for you! I just went through this exact same frustration last week with my son's application. It's so stressful when you're up against a deadline and get stuck on something that should be so simple. The +15551234567 format worked for me on the first try once I found this thread. It's really disappointing that College Board forces families to rely on community forums to figure out basic form requirements. Good luck with your daughter's application - you've got this!
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Luca Ferrari
This is incredibly helpful! I'm a first-time parent going through the CSS Profile process and was completely panicking when I hit this phone number error. I tried every format I could think of for 45 minutes before finding this thread. The +15551234567 format worked perfectly! It's so frustrating that College Board doesn't provide any guidance on the form itself - how are families supposed to know they changed the requirements? Thank you all for sharing your solutions and saving me from what could have been hours more of frustration. This community is amazing!
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Sofia Price
•I'm so glad this thread exists! I'm about to start my daughter's CSS Profile and was already nervous about the whole process. Reading about everyone's phone number struggles makes me realize how many hidden pitfalls there are in these applications. It's really reassuring to know that +15551234567 is the format that works - I'll save myself the headache and use that from the start. It's crazy that we have to rely on community forums to figure out basic technical requirements that should be clearly stated on the form. Thanks to everyone for sharing their experiences and solutions!
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