As someone who works in financial aid administration, I can confirm everything that's been shared here is accurate. Your original $18,000 is completely safe - the system treats increases as supplemental requests. One thing I'd add: when you submit the increase request, keep a screenshot of your confirmation page with the request number. If there are any processing delays, having that reference number will help expedite things when you call FSA. Also, once approved, the additional funds typically disburse within 3-5 business days after your school certifies the amount. Given your 3-week timeline, you should be in good shape!

I went through this exact situation last year with my daughter's Parent PLUS loan! Your original $18,000 is absolutely safe - they can't take that back once it's been disbursed to the school. The increase request is processed separately, so worst case scenario is they deny the additional $5,000 but you keep what you already have. I'd recommend calling your son's school first to confirm their internal deadlines for loan increases - some schools need the paperwork submitted to them by a certain date even if FSA approves it later. Also, when you log into studentaid.gov to request the increase, make sure you're selecting "request additional loan amount" rather than "modify existing loan" - I accidentally clicked the wrong option initially and it delayed my processing by a week. You've got plenty of time with 3 weeks, but definitely get that request submitted ASAP to avoid any last-minute stress!

Thank you everyone for the advice! I'm going to start over with my daughter's application first, then have my husband join as the first contributor, followed by me. I'll make sure we have all our documents ready to go this time. One last question - approximately how long after submitting should we expect to receive the SAI calculation?

Just wanted to add one more thing that helped me when I was in a similar situation - when you restart, take screenshots of each page as you complete it. The FAFSA system can be glitchy and sometimes kicks you out, so having those screenshots saved me from having to re-enter everything multiple times. Also, if you run into any weird error messages during the process, don't panic - just close the browser completely, clear your cache, and start that section again. The system seems to have memory issues sometimes. Good luck with the restart!

Great job figuring it out! That's a very common mistake with the new FAFSA form. Make sure both your mom and stepdad sign again after you make the correction. Your SAI should come through much faster this time around.

Glad you figured out the W-2 issue! Just went through something similar myself. Pro tip - after you and your parents e-sign, you'll get a confirmation email, but it might take up to 24 hours to actually show the "submitted" status on studentaid.gov. Don't panic if it doesn't update immediately like I did lol. The Box 1 vs Box 5 mistake is SO easy to make, especially when you're stressed about deadlines. Good luck with the reprocessing!

Another important consideration is whether you want loans in your name or your son's name with you as co-signer. Parent PLUS loans are solely in your name, while private loans co-signed for your son build his credit history but keep you equally liable. We decided to split the difference - some in our daughter's name (co-signed) to help her build credit, and some as Parent PLUS to maintain certain federal protections. Just something to think about in your planning.

I went through this exact same situation with my daughter at UCLA last year - the sticker shock of UC tuition is real! Here's what worked for us: we applied to 6 different lenders and the rates ranged from 4.2% to 8.9% with identical credit scores (mid-700s). Our best offers came from SoFi (4.2% fixed), Earnest (4.6% fixed), and CommonBond (4.8% fixed). The key was applying within a 2-week window so all the credit checks counted as one inquiry. Also, don't overlook local credit unions - ours offered a competitive rate and much better customer service than the big national lenders. One last tip: see if Berkeley offers any emergency grants or work-study positions that might reduce what you need to borrow. Sometimes they have last-minute funding that doesn't show up in the initial aid package.

Fun fact: when I was doing my FAFSA back in 2022 I had the exact opposite problem. I accidentally added too many schools (like 15) and couldn't remove any while it was processing lol. The financial aid offices at schools I wasn't even applying to kept emailing me about completing their supplemental forms 😂

Just want to add another tip for anyone still dealing with this - if you can't get through to FSA by phone, you can also try contacting your state's financial aid agency. Many states have their own hotlines and can sometimes help with federal FAFSA issues or at least provide guidance on next steps. Also, most college financial aid offices are pretty understanding about FAFSA delays this year given all the system issues. If you're worried about missing priority deadlines, reach out to the schools directly and explain the situation - many are extending their internal deadlines or making exceptions for students stuck in FAFSA processing limbo.