FAFSA

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Ask the community...

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Xan Dae

This is such helpful information! I'm in a similar situation with my first Parent Plus loan and was starting to panic. Question for everyone - once MOHELA (or whatever servicer) finally contacts you, do they give you flexibility on when payments start? My daughter's tuition is due again in January and I'm worried about having two big expenses hitting at the same time. Can you request to delay the first payment by a month or two to spread things out better?

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Yes, most servicers do offer some flexibility with payment start dates! When MOHELA contacts you, they'll typically give you a first payment due date, but you can usually call them to request a deferment or adjust the timing if your student is still enrolled at least half-time. I'd recommend calling as soon as you get your servicer information rather than waiting for the payment notice. That way you can plan around your tuition payment schedule. Also, many servicers offer the option to change your payment due date once you're established - like moving it to later in the month if that works better with your budget.

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I'm going through the exact same thing right now with my son's Parent Plus loan! It's been about 4 weeks since disbursement and I was getting really anxious about not hearing anything. This thread is so reassuring - sounds like the 6-8 week timeline is totally normal. I'm definitely going to check studentaid.gov tonight to see if a servicer has been assigned yet. Has anyone had experience with getting email notifications when your servicer info gets updated, or do you just have to keep checking manually?

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I don't think they send automatic email notifications when your servicer gets assigned - you pretty much have to keep checking studentaid.gov manually. But once your servicer does get assigned and you create an account with them, then you can usually set up email alerts for payment reminders and account updates. I learned this the hard way with my first Parent Plus loan! Now I just check the federal site every few days until I see the servicer info show up.

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Thanks for mentioning the scholarship application deadlines - we'll make a tracking spreadsheet to make sure we don't miss any important dates. And I'm glad you mentioned the SAI/need-based aid component. We're definitely hoping to qualify for some need-based aid too, so we'll look at the total financial package rather than just the merit scholarships.

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Hey! As someone who just went through this process with my nephew, I wanted to add that you should definitely look into University of Memphis and Florida International University (FIU). Both have solid business programs and are really generous with out-of-state merit aid for students with your son's stats. Memphis in particular has been trying to attract more Midwestern students and offers some great scholarship packages. FIU is in Miami so it definitely meets the warm weather requirement! Also, don't forget to check if any of these schools have alumni networks in Wisconsin - some give preference to students from areas where they want to build connections. Good luck with the process!

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Thanks for the Memphis and FIU suggestions! I hadn't thought about looking for schools that are actively trying to attract Midwestern students - that's a really smart angle. Do you happen to know if Memphis or FIU require separate scholarship applications or if they consider students automatically? Also, the alumni network tip is brilliant. I'll definitely research which schools have strong Wisconsin connections when we're narrowing down the list.

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That's a perfect checklist! One last tip: when the FAFSA first opens on December 1st, the system is usually overwhelmed. Unless you need to meet a December deadline for a specific scholarship, consider waiting a few days to apply. The system tends to run much smoother by December 5th or 6th, and you'll have a better experience. Early January is still considered "early" for most financial aid purposes.

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That's really good to know. I was thinking I needed to file literally on December 1st, but if waiting a few days makes it smoother, we'll do that. Do you know if there's any advantage to filing super early vs. just filing before priority deadlines?

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For most schools, there's no advantage to filing December 1st versus mid-December - as long as you meet their priority deadline (usually February 1st or March 1st). The main exception is schools with "first-come, first-served" aid, but those are increasingly rare. Your daughter's specific schools might have earlier priority dates, so it's worth checking their financial aid websites.

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As someone who just went through this process with my oldest, I can't stress enough how important it is to double-check your Social Security numbers! I made a typo in my daughter's SSN and it caused a 3-week delay while we sorted it out with the school's financial aid office. Also, if you have any 1099s from freelance work or side gigs, make sure you have those ready too - they're easy to forget but the FAFSA will ask about all income sources. One more thing: take screenshots of each page as you complete them, just in case the system glitches and you lose your progress. Good luck!

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UPDATE: We finally got through to the financial aid office this morning! They confirmed that birth certificate + driver's license is acceptable. My daughter is heading to campus tomorrow to bring the original documents in person rather than uploading them (the advisor said in-person is faster processing). Thank you all SO MUCH for your help and suggestions! I'll update once everything is officially resolved.

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Great news! In-person is definitely faster. Make sure she gets some kind of receipt or confirmation that they received the documents. And have her ask specifically how long the processing will take and when she should follow up if she hasn't heard anything.

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That's excellent advice - I'll make sure she asks for written confirmation and a timeline. Thank you again!

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So glad you got through to the financial aid office and have a clear path forward! This thread has been super helpful - I'm bookmarking it in case I run into similar issues with my own kids' FAFSA in the future. The birth certificate + driver's license combo seems to be the go-to solution for citizenship verification when passports aren't available. Fingers crossed everything processes smoothly for your daughter tomorrow!

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This thread really is a goldmine of information! I'm actually dealing with a similar situation right now with my son's FAFSA verification - they're asking for additional income documentation that we thought we'd already submitted correctly. It's so stressful when you're worried about financial aid getting delayed or denied over paperwork issues. Really appreciate everyone sharing their experiences and solutions here!

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btw has your son checked with his school counselor? My sons guidance office actually had special FAFSA help sessions and direct contacts at the dept of education they could reach out to for students with application issues. might be worth asking!

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That's a great idea! I'll have him check with his counselor tomorrow. His school did have some FAFSA workshop in October but we missed it due to his soccer tournament that weekend. Maybe they have some resources or contacts that could help us navigate this mess. Thank you!

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I work at a college financial aid office and see this exact situation several times each year. The good news is that a $9,000 income difference, while significant, is definitely correctable and won't be flagged as fraud since you're proactively trying to fix it. Here's what I recommend: 1. Keep trying to call the FSA Information Center, but try calling right when they open (8am EST) - that's usually when wait times are shortest 2. Once your paper FAFSA is processed (usually 7-10 business days), log into studentaid.gov and make the correction online 3. Contact your son's top choice schools directly - we often help families navigate these corrections and can flag his file so we know to expect the change The income increase will likely raise his Student Aid Index (SAI), which could reduce his Pell Grant eligibility, but it's better to be accurate than risk verification issues later. Don't stress too much - we see these mistakes all the time and they're totally fixable!

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