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One other thing to consider: if your son is set on attending a school that will require significant loans beyond the federal student limit, have a serious conversation about whether that's the right financial choice. Sometimes a less expensive school with more merit aid can provide an equivalent education without the crushing debt. Speaking from experience - my oldest graduated with $78k in loans and regrets not considering more affordable options.
You make a really good point. We're actually still in the decision phase between a few schools. One is offering a decent merit scholarship that would bring the cost down considerably. I'll definitely have that conversation with him about the long-term implications of the debt. Thank you for sharing your experience.
As someone who just went through this process with my daughter last year, I can confirm that federal unsubsidized loans are available regardless of income! We make about $200k and she still got the full amount. One tip I wish I'd known earlier: even if you think you make "too much" for aid, still submit the FAFSA by the priority deadline. Some schools use it for merit scholarships too, and you might be surprised - we actually qualified for a small need-based grant at one private school despite our income. Also, don't overlook work-study opportunities which can help reduce the loan burden. The key is to explore ALL options before committing to any particular loan type!
This is really encouraging to hear from someone who just went through the process! I hadn't thought about work-study programs as a way to reduce borrowing needs. That's a great point about submitting the FAFSA by priority deadlines even when you think you won't qualify - it sounds like there are more opportunities than I initially realized. Thanks for the practical advice about exploring all options first!
also make sure you look at the actual award letters when they come in!!! my sons SAI was similar (around 750) but the actual offers from different schools varied by like $15k!! some schools are way more generous than others even with the same fafsa info
This is excellent advice. The SAI is just a starting point that schools use in their aid calculations. Each institution has its own methodology for awarding institutional aid beyond federal programs. Private colleges with large endowments often provide more generous packages than state schools, despite having higher sticker prices. Always compare the final net cost after all grants and scholarships, not just the initial tuition amount.
That's fantastic news! An SAI of 690 puts your daughter in an excellent position for financial aid. Just to add some perspective - you might also want to check if your state has additional grant programs for students with low SAI numbers. Many states offer their own need-based grants that stack on top of federal aid. Also, don't forget to have your daughter apply for the work-study program at her schools if she's interested - with her SAI, she'll likely qualify and it can help cover personal expenses. The key thing now is just being patient while the schools process everything. You're doing great navigating this process!
Thank you so much for mentioning state grants! I hadn't even thought about those. I'll definitely look into what our state offers for students with low SAI numbers. The work-study suggestion is great too - my daughter has been worried about having spending money for college, so that could be a perfect solution. It's reassuring to hear from so many people that we're in a good position. This whole process has been so overwhelming but this community has been incredibly helpful!
Great to hear you got it sorted out! For anyone else dealing with similar FAFSA glitches, it's really helpful to know that FSA confirmed this is a known issue and that missing middle names won't impact aid calculations. The Claimyr service sounds like a game-changer for actually reaching someone at FSA - I'll definitely keep that in mind. Thanks for sharing the resolution!
Totally agree! This thread has been so helpful - I'm bookmarking it in case we run into similar issues. The fact that FSA has this documented as a known glitch is reassuring. It's frustrating that the new system still has these bugs, but at least there are workarounds and it doesn't actually affect the aid process. Thanks to everyone who shared their experiences!
This is such a helpful thread! I'm dealing with a similar issue where my son's middle initial is showing up as "NMN" (no middle name) even though he does have a middle name. Based on what everyone shared here, it sounds like I should try the mobile app first, then maybe use that Claimyr service to get through to FSA if needed. It's reassuring to know this won't actually impact his aid eligibility. Thanks for documenting your solution - it's going to help so many families!
why is fafsa still using 2023 taxes anyway??? my income is TOTALLY different now than it was 2 years ago. the whole system is so stupid!!!!
They use tax information from two years prior (called the "prior-prior year") because it gives families time to complete their taxes before FAFSA season opens. This allows for earlier FAFSA submission and earlier financial aid offers. If your income has significantly changed, you can request a special circumstances review at each school after submitting the FAFSA.
I went through a similar situation last year and here's what helped me navigate it: First, yes - you'll be the contributor parent for both kids since you provide majority financial support, regardless of who claims them on taxes. The new FAFSA rules are clear on this. For the joint 2023 taxes issue, here's what worked for me: 1. Complete the FAFSA initially using your joint return info 2. Immediately contact each school's financial aid office to explain your situation 3. They'll likely ask for your individual W-2s from 2023 to separate your income from your ex's 4. Be prepared to provide your divorce decree once it's finalized Pro tip: Start gathering documentation NOW - your 2023 W-2s, bank statements showing you pay for kids' expenses, any support documentation, etc. Having everything organized made the process so much smoother. Most schools are experienced with divorce situations and were actually very helpful once I explained what was happening. Don't stress too much - this is more common than you think!
This is incredibly helpful, thank you for sharing your experience! I'm definitely going to start gathering all that documentation right away. It's reassuring to hear that schools are actually experienced with these situations - I was worried I'd be the first person to ever have this problem. Did you find that different schools handled the process differently, or was it pretty consistent across the board?
CosmicCadet
One more tip - once you get your application back and fix the tax consent issue, make sure you check your SAI calculation carefully. My boyfriend had a similar issue and when they finally processed his application, they somehow didn't include his parents' tax info correctly even though the consent was fixed. This made his SAI way higher than it should have been. You'll want to compare the income figures on your SAI report against what you know was on your taxes.
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Malik Robinson
•That's a really good point - I'll definitely double-check all the numbers once I get my SAI. Thanks for the heads up!
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Jamal Edwards
I'm so glad to see this thread because I thought I was going crazy! This exact same thing happened to me last week. My application vanished after I got the tax consent notification, and like everyone else, the system insisted I already had one submitted but wouldn't show it anywhere. I ended up having to escalate through my school's financial aid office - they have a direct line to FSA for these kinds of technical issues. It took 3 business days but they were able to locate my application and get it restored to my dashboard. If you're still stuck after trying the other suggestions here, definitely reach out to your school's aid office. They deal with these FAFSA glitches all the time and have resources we don't have as individual students.
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