One more crucial thing to understand: PSLF requires 120 *qualifying* monthly payments, which means you need to: 1. Work full-time (30+ hours/week) for a qualifying employer 2. Make payments while on an income-driven repayment plan 3. Make payments on time If you expect to continue federal employment for at least 2 more years (to reach the 10-year requirement), then consolidating Parent PLUS loans makes sense. Also, consider timing: Since your oldest is a senior, their loans will enter repayment soon. Your middle child's loans won't enter repayment for 5+ years. If you consolidate separately, you could potentially have some loans forgiven earlier than others. One strategy some federal employees use is to minimize Parent PLUS loans by having the student maximize their direct subsidized/unsubsidized loans first, then only use Parent PLUS for the remaining amount needed.

As someone who's navigating federal employment and student loans, I want to add a timing consideration that might help with your planning. Since you have 8 years of federal service already, you only need 2 more years to hit the 10-year PSLF requirement. Given your kids' ages, here's what I'd consider: - Your oldest (senior year) - any Parent PLUS loans you take now could potentially be forgiven in just 2 years if you consolidate immediately - Your middle child (starting college next year) - these loans would be forgiven after 3 years of payments - Your youngest (still in middle school) - you have time to reassess the program and rates when they're ready for college The key is getting that consolidation done ASAP after taking out each Parent PLUS loan and making sure your employment certification is filed every year. Don't wait until you have all the loans - start the PSLF clock ticking on each one as soon as possible. Also double-check that your current federal position qualifies for PSLF. Most do, but it's worth confirming with HR or using the PSLF Help Tool on studentaid.gov.

Just wanted to add my experience as someone who's completed the PLUS loan process for all 4 years with my son who graduated last year. The annual reapplication definitely becomes routine, but here are a few things that helped us: 1) We set up a dedicated folder (digital and physical) to track all PLUS loan documents each year, 2) I created a simple spreadsheet to track the different interest rates and amounts borrowed each year, and 3) Most importantly, we treated each year as a separate financial decision rather than assuming we'd automatically borrow the same amount. Some years we were able to borrow less because of summer earnings or additional scholarships. The key is staying organized and not getting overwhelmed by the year-to-year uncertainty. It's definitely stressful, but thousands of families successfully navigate this process every year. You've got this!

I'm in a very similar situation with my daughter starting college next year, and this thread has been incredibly eye-opening! I had no idea we'd need to reapply annually - I was assuming the PLUS loan approval was good for all four years. Reading everyone's experiences, it sounds like the key things I need to prepare for are: keeping our credit in good shape each year, applying for FAFSA as early as possible (October 1st!), and being ready for the loan amounts to potentially change based on tuition increases and changes in her other aid. The idea of making interest payments during school to prevent capitalization is something I hadn't considered but makes a lot of financial sense. Thanks to everyone who shared their real experiences - both the success stories and the cautionary tales. It's helpful to know what to expect, even if the annual uncertainty is stressful. At least now I can plan accordingly instead of being caught off guard!

Just wanted to add my experience as someone who's been through this process multiple times with rental properties. One thing that really helped us was creating a simple spreadsheet to track all our rental property info year over year - property address, acquisition date, current market value estimate, outstanding mortgage balance, and net equity. This makes filling out the FAFSA much faster each year and helps ensure consistency. Also, if you're using online valuation tools like Zillow or Redfin, I'd recommend taking the average of 2-3 different estimates rather than relying on just one, as they can vary quite a bit. The financial aid offices seem to appreciate when families show they've done their homework on property valuations rather than just picking a random number.

Just want to add a quick note about timing - make sure you're using the property values and mortgage balances as of the date you file your FAFSA, not necessarily what they were at the end of the tax year. Property values can change significantly, and if you've made mortgage payments throughout the year, your equity will be different. I learned this the hard way when our property value dropped between tax filing and FAFSA submission, and I had to go back and correct our original submission. It's a small detail but can make a difference in your calculated asset value. Also, if you're refinancing or doing a cash-out refi during the FAFSA year, that can complicate things too, so plan accordingly!

This entire thread has been absolutely incredible to read through! As a college financial aid advisor, I see these SSN conflict issues way too often, and it's so frustrating how difficult it can be for families to get proper help from the FSA support system. What really stands out to me is how many different solutions people have shared here - from the FSA-40 form to getting college financial aid offices involved to using services like Claimyr to actually reach competent agents. The fact that GalaxyGlider's issue turned out to be a database error on FSA's end (transposed SSN) is unfortunately more common than families realize. I'm definitely bookmarking this thread to share with students and families who run into similar issues. The step-by-step advice about asking specifically for Tier 2 specialists and SSN investigations, calling at 8 AM Eastern, and keeping detailed documentation of every interaction is gold. Thank you to everyone who took the time to share their experiences and solutions. This kind of community support and knowledge sharing is exactly what families need when dealing with these technical nightmares!

This thread is absolutely incredible - thank you all for sharing such detailed experiences and solutions! I'm currently helping my nephew with his FAFSA and we've been hitting roadblocks, but this gives me so much hope and a clear action plan. What really resonates with me is how many people mentioned that persistence is key and that you often need to call multiple times to reach someone who can actually help. The distinction between front-line agents and Tier 2 specialists is something I never knew about but makes total sense given everyone's experiences here. I'm particularly grateful for the specific terminology to use ("SSN investigation" and "FSA ID SSN conflict resolution") and the tip about calling right at 8 AM Eastern. These kinds of insider tips are exactly what families need but rarely get from official sources. It's both frustrating and validating to learn that so many of these issues are system errors on FSA's end rather than user mistakes. Makes you realize how many families probably give up thinking they did something wrong when it's actually a technical problem that needs proper escalation to resolve. Bookmarking this entire thread - it's like a masterclass in FAFSA troubleshooting that should be required reading for all parents entering this process!

One more important thing - after you correct the application, make sure to save a PDF copy of the confirmation page and the SAI results. If there are any issues later, you'll want documentation showing you properly classified her as dependent with you as guardians serving in the parent role. Also, be aware that her college's financial aid office might request additional documentation of your guardianship, so have those court documents ready.

As someone new to this community, I just wanted to say how helpful this thread has been! My sister is going through a similar situation with her foster daughter who she's now the legal guardian of. Reading through all these responses has given us a roadmap for fixing the FAFSA dependency status issue. It's so reassuring to see a community where people actually help each other navigate these confusing financial aid processes. Thank you to everyone who shared their experiences and solutions!