I'm also going through a separation and FAFSA correction right now, so this thread has been incredibly helpful! One thing I wanted to add that I learned from my tax preparer - when you're doing the Head of Household recalculation, make sure you're using the correct standard deduction amount for HOH filing status (it's higher than Single status). For tax year 2023, the HOH standard deduction was $20,800 vs $13,850 for Single, so that can make a significant difference in your calculated tax liability and ultimately your SAI. Also, if you had any joint estimated tax payments during the year, you'll need to figure out how to allocate those between you and your ex for the recalculation. My accountant suggested using the same percentage split as your income allocation, but definitely verify this with FSA when you speak with them. The whole process is overwhelming but everyone's advice here is making me feel more confident about tackling it!

I'm a tax professional who works with families going through separation, and I can confirm that Head of Household is absolutely the correct filing status for your situation since your daughter lives with you more than 50% of the time. A few practical tips that might save you some headaches: 1. When doing the tax recalculation, use tax software to run a "what-if" scenario rather than trying to calculate by hand - it's much more accurate and will handle things like the correct HOH standard deduction automatically. 2. For the FAFSA correction, you'll need to report your separated income AND update your household size (likely from 4 to 2 if it's just you and your daughter now). 3. Keep detailed records of how you separated joint assets and income - FSA may ask for your methodology during verification. 4. File the correction ASAP even if you don't have all documentation ready. You can provide additional docs during verification, but getting the correction in early helps protect your daughter's aid timeline. The good news is that switching from joint filing to HOH status usually results in a lower calculated contribution, which could mean more aid for your daughter. The verification process is tedious but manageable if you stay organized. Don't let the horror stories scare you - most corrections go through without major issues!

One more thing to keep in mind - some schools allow you to conditionally register for classes before your financial aid is finalized, which can help secure spots in popular courses. Check with your daughter's academic advisor about whether this is an option at her school. You'd typically just need to pay a small registration fee and then complete the full payment once the loan funds are disbursed. This was a lifesaver for us because by the time our aid package came through and loans were processed, some of the classes my son needed were already full. Also, if your daughter qualifies for work-study (which would show up in that aid package), she should start looking at campus job postings early - the good positions fill up fast once students arrive on campus!

Just want to echo what others have said about staying persistent with the financial aid office! I went through this same situation with my daughter two years ago, and what really helped was documenting every phone call (date, time, who I spoke with, what they said). When I finally got through to a supervisor and could reference specific conversations, they were much more responsive. Also, if your daughter's school uses a third-party loan servicer like Heartland ECSI or ECMC, you might need to complete additional steps with them after the school processes everything. Don't assume the process is done just because you've completed the federal requirements - some schools have their own additional loan processing steps that aren't always clearly communicated. Keep that checklist handy and don't be afraid to ask for a step-by-step timeline from the financial aid office once you get that package on Friday!

Thank you everyone for the helpful responses! I've updated my info on my son's FAFSA last night and will wait for it to process before applying for the Parent Plus loan. It's such a relief to know the credit check isn't based on a specific score number. I'll definitely borrow only what we need and keep that refund tip in mind! I've also bookmarked that Claimyr service in case I run into trouble reaching someone at FSA. You all have been so helpful!

Just wanted to chime in as someone who went through this process recently! Yes, the FAFSA is absolutely required first - learned this the hard way when I tried to apply for Parent Plus without it being complete. One thing I'd add is to double-check that your son's school participates in the Direct Loan program (most do, but it's worth confirming). Also, if you're worried about the 3-week deadline, don't stress too much - once you're approved for the Parent Plus loan, you can usually work with the school's financial aid office on the timing of disbursement even if it's after the deposit deadline. Most schools are understanding about federal loan processing times. The whole process from updating FAFSA to Parent Plus approval took me about a week total.

Great to see you got it working! Just wanted to add for future readers that if you're still having issues after following all these steps, try clearing your browser cache and cookies before attempting to log in with your new FSA ID. I had a similar problem where old session data was interfering with the new login process. Also, make sure you're not using any VPN services as the FSA system sometimes flags those as suspicious activity. The whole process really is unnecessarily confusing, but once you get through it, the actual parent contribution section is pretty straightforward to complete.

As someone who just went through this nightmare last month, I feel your pain! The new FAFSA system is so poorly designed when it comes to communicating what parents need to do. Here's what saved me after wasting hours on this: 1. Create your FSA ID at studentaid.gov/fsa-id/create-account BEFORE clicking any links 2. Use YOUR personal email (not your daughter's) and make sure it matches exactly what she put when adding you as a contributor 3. Wait at least 10-15 minutes after creating the FSA ID before trying to access anything 4. If you're still getting errors, have your daughter log into her FAFSA and resend the contributor invitation - sometimes the original links get corrupted The "unable to complete action" error almost always means you're trying to access the parent section without having your own FSA ID set up first. It's such a basic thing but nowhere in their emails do they clearly explain this! Once you get your FSA ID created and verified, everything should work smoothly. Don't give up - your daughter's aid depends on getting this done!

Don't worry at all! I'm a college financial aid advisor and I can confirm that having both parents create contributor accounts is actually very common and won't cause any problems with your FAFSA submission. The 2025-2026 FAFSA system is designed to handle multiple contributors seamlessly. Since your daughter can see both accounts linked in her dashboard, that means everything was set up correctly. You should receive your SAI within 3-5 business days if there are no other issues with the application. The only time multiple contributor accounts cause delays is if there are significant discrepancies in the financial information provided, but that would trigger an immediate error during submission rather than a processing delay later. Since your application went through successfully, you're in good shape! Keep an eye on your email for the SAI notification, and don't hesitate to contact your daughter's school's financial aid office if you have any questions once you receive it. They can help interpret the results and guide you through next steps for aid applications.

I just went through this exact same situation a few weeks ago! Both my husband and I created contributor accounts and I was absolutely panicking that we'd ruined our son's application. Turns out it's totally fine - we got our SAI in 4 days and everything processed normally. The new FAFSA system actually expects multiple contributors in many cases, especially for married parents filing jointly. As long as both of your accounts show up in your daughter's dashboard (which you confirmed they do), you're all set. One thing that helped ease my anxiety was calling the school's financial aid office directly. They were able to pull up our application and confirm everything looked good on their end. Might be worth doing that if you want extra peace of mind while waiting for the SAI!