As someone new to this whole FAFSA process, I'm really grateful for all the detailed explanations here! My daughter is a junior in high school and I've been dreading dealing with financial aid applications. The information about appealing SAI calculations and looking into out-of-state schools with good merit scholarships is super helpful. I had no idea that some out-of-state schools could actually end up being cheaper than in-state options with the right scholarships. I'm definitely going to start researching those schools mentioned like Alabama and Arizona State. One question - when should we start the FAFSA process for someone who will be a senior next year? I keep hearing horror stories about delays and want to get ahead of it.

As another parent just starting to navigate this process, thank you all for sharing your experiences! Reading through this thread has been incredibly eye-opening. I had no idea about the professional judgment appeals process or that some out-of-state schools could actually be more affordable with merit aid. My son is a sophomore in high school, so I have a bit more time to prepare, but I'm already feeling anxious about the costs. The idea of looking at schools like Alabama and Arizona State is intriguing - are there resources where I can find comprehensive lists of schools known for generous out-of-state merit scholarships? Also, should I be encouraging my son to focus more on test scores if scholarship eligibility is often tied to GPA/SAT combinations? It seems like every point could translate to significant savings down the road.

Welcome to the community! I'm new here too and this thread has been incredibly educational. I wanted to add one more resource that might help - many states have legal aid societies that offer free consultations for family law issues, including questions about marital status and abandonment. If there's any confusion about whether your aunt's marriage is legally valid, a brief consultation with a family law attorney could provide clarity without the cost of full legal representation. Also, I've heard that some colleges have student advocates or ombudsmen who can help navigate complex financial aid situations. If the regular financial aid office seems overwhelmed or unhelpful, these advocates might be able to provide additional support or escalate the case appropriately. The documentation suggestions from everyone here are fantastic - it really sounds like building a strong paper trail is key to success with these dependency overrides. Best of luck to your cousin, and thank you all for sharing such detailed advice that will help many families in similar situations!

As a newcomer to this community, I'm really impressed by how thorough and helpful everyone's advice has been! I'm actually facing a similar situation with my nephew's FAFSA - his father left when he was young and we've had no contact for years, though my sister was legally married to him. Reading through all these responses has been incredibly enlightening. I had no idea about dependency overrides or professional judgment requests before finding this thread. The emphasis on documentation and building a comprehensive case makes so much sense, and I love how everyone has shared both successful strategies and cautionary tales about verification issues. One thing I wanted to add based on my experience working with government paperwork - when gathering those third-party letters that several people mentioned, it might help to provide the letter writers with a basic template or list of key points to address. Sometimes well-meaning friends or family members write generic support letters that don't actually address the specific information financial aid offices need. Having them focus on concrete details like "I have known the family since [date] and can confirm that [father's name] has had no contact with the household since [specific timeframe]" tends to be more effective than general character references. Thanks for creating such a supportive space where families can get real, practical advice about these complicated situations!

As someone who just went through this process with my daughter, I want to echo what others have said about timing being crucial. One strategy that really helped us was accelerating our property tax payments - we paid both 2023 and 2024 property taxes in December 2023, which reduced our assets right before filing FAFSA. Also, if you have any flexible spending accounts (FSA) or health savings accounts (HSA), max those out too since they reduce your adjusted gross income. The HSA is especially valuable because contributions are tax-deductible AND the account isn't counted as an asset on FAFSA. Don't overlook state-specific aid programs either - many states have their own grant programs with different eligibility requirements than federal aid. Good luck navigating this process!

One strategy that hasn't been mentioned yet is timing any IRA conversions carefully. If you've been considering converting traditional IRA funds to a Roth IRA, definitely avoid doing that during your base year for FAFSA since the conversion counts as income and could significantly increase your SAI. Also, look into work-study programs and cooperative education opportunities at the schools your kids are considering - these can provide valuable work experience while helping offset costs, and work-study earnings have favorable treatment in the FAFSA formula. Finally, don't forget to submit your FAFSA as early as possible (October 1st) since some aid is distributed on a first-come, first-served basis. With two kids so close together, you're actually in a better position than families with kids spaced further apart since having multiple children in college simultaneously does help lower your SAI per student.

I'm new to this community but currently dealing with this exact asset screen loop problem! My daughter and I have been stuck on this for three days now and it's been so frustrating. We kept thinking we were making some kind of mistake, but after reading through all these experiences, it's such a relief to know this is a widespread technical bug. The whole dollar amounts solution seems to be the most consistently successful fix based on everyone's stories here. We're going to try that approach tomorrow morning - just enter $750 instead of $750.23 for her checking account. I'm also going to make sure we clear our browser cache completely and verify that all our family verification steps are actually complete like others suggested. Thank you so much to everyone who shared their solutions and experiences - this community support makes navigating these technical nightmares so much more manageable. I'll definitely report back on whether the whole dollar fix works for us too!

I'm new to this community and just wanted to thank everyone for this incredibly detailed thread! My family hasn't started our FAFSA yet, but reading through all these experiences has been so educational. It's shocking that such a simple thing like entering cents can cause a major system loop, but I'm grateful that this community has figured out the workarounds. I'm definitely saving all these tips - use whole dollar amounts, clear cache/cookies, verify all family members are complete, screenshot everything, and have the FSA phone number ready. The advice about contacting schools directly about technical delays is also really valuable. It's amazing how supportive everyone has been in sharing their real solutions rather than just venting frustrations. This thread should honestly be pinned as a resource for anyone dealing with FAFSA technical issues this year!

Just wanted to share a quick tip for anyone still waiting for their PHEAA emails - check if your email provider has a "promotions" or "updates" folder (like Gmail does). My daughter's PHEAA email actually went there instead of her main inbox, even though we had set up filters. Also, for parents juggling work schedules, you might want to temporarily turn on email notifications for ALL emails during this waiting period. I know it's annoying to get constant pings, but missing that 24-hour window is way more stressful than dealing with extra notifications for a few weeks. One more thing - if you're helping multiple kids with this process like I am, create a simple spreadsheet with each kid's FAFSA processing date and expected email timeframe. It's helped me stay organized and know which emails to expect when. Good luck everyone!

This thread is incredibly helpful! I'm a senior in high school heading to Penn State in the fall, and my parents and I had no idea about this separate PHEAA process. My FAFSA was processed on March 23rd, so based on what everyone's sharing, we should hopefully get our email soon. I'm definitely going to show this thread to my parents so they can set up those email alerts and filters everyone mentioned. The 24-hour deadline seems really stressful, especially since we're traveling for spring break next week. Is there any way to complete the application from a phone if needed, or does it require a computer? Also, as a first-year student, I'm curious about the housing question someone mentioned. I'm planning to live on campus but haven't finalized my housing contract yet - will that affect my ability to complete the PHEAA application? Thanks everyone for sharing your experiences!