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This is incredibly helpful! I'll mark my calendar to follow up with the schools in about 2 weeks. Thank you for such detailed information - this whole process is so much clearer now!
Just wanted to add my experience as another first-time FAFSA filer - I was also confused about the asset questions being skipped! My family has a similar situation with Medicaid coverage, and we ended up with a -1800 SAI. Reading through all these responses has been so reassuring. One thing I discovered is that you can actually check the status of your FAFSA transmission to schools by logging back into your StudentAid.gov account and looking at the "My Activity" section. It shows when each school received your information, which helped ease my anxiety about whether everything went through properly. Good luck with your financial aid packages! Sounds like you're in great shape with that negative SAI.
To follow up on your question about private vs. state schools - YES, definitely have her look at private schools now! With an SAI that low, many selective private colleges will offer incredibly generous financial aid packages that can make them cheaper than state universities. Schools with large endowments often have institutional funds they can use to cover most or all of the cost beyond what federal aid provides. The key term to research is "schools that meet 100% of demonstrated financial need" - these institutions will use your SAI to determine your need and then build aid packages to cover the full cost of attendance minus your SAI amount. With a 92 SAI, your daughter could potentially get packages that cover almost the entire cost at these schools.
This is incredibly helpful information. I just did some quick research and found a list of schools that meet 100% of demonstrated need. Some are schools we never would have considered due to the sticker price. I'm cautiously optimistic now - we'll wait for verification from FSA but start exploring these options too. Thank you all for the guidance!
As someone who just went through this process with my son last year, I wanted to share that the new FAFSA formula can definitely produce surprisingly low SAI numbers for middle-class families! We had a similar income level and were shocked by our low SAI too. A few things that might have contributed to your daughter's SAI of 92: - The new formula has higher income protection allowances - State tax allowances vary significantly by where you live - Asset protection has changed under the new system - Even small medical expenses or other deductions can have bigger impacts now My advice: Screenshot everything and keep detailed records, but don't panic! We were worried it was an error too, but it turned out to be legitimate. The financial aid packages my son received were incredible - schools that would have cost $50k+ ended up costing us less than our state university would have. Start researching schools that meet full demonstrated need NOW. With an SAI that low, your daughter could potentially attend some amazing private colleges for less than you'd pay at a state school. It really opened up opportunities we never thought were financially possible!
This is so reassuring to hear from someone who went through the same thing! I've been losing sleep over whether this could be real. Your point about keeping detailed records is smart - I'm definitely going to screenshot everything just in case. I'm starting to get excited about the possibility that this could actually open doors we never imagined. We had already mentally prepared ourselves for significant debt or limiting her to in-state options. If she could potentially attend a top-tier private school for less than our state university, that would be absolutely life-changing for her future. Thank you for sharing your experience - it gives me hope that this isn't too good to be true!
anybody know how long it takes to get the sai score thing now? my son submitted 3 weeks ago and still nothing
As someone who also just went through this process, I can confirm what others have said - the new FAFSA really is designed this way! I was initially panicked when it skipped over all the detailed financial questions I was expecting based on what older parents had told me about previous years. But it turns out that if you qualify for the simplified needs test (which sounds like you do with your income level and Medicaid coverage), the system automatically assumes you'll get maximum aid and doesn't need all those extra details. My daughter's application processed smoothly and she received a great aid package. The key thing is just making sure your basic information is accurate since that's what really matters for verification purposes. Don't stress - you did everything right!
I'm going through the exact same nightmare right now! Been getting that same "Unable to complete this action" error for weeks and it's driving me insane. Reading through all these responses gives me so much hope though - I had no idea this was such a widespread issue with the new FAFSA system. I'm definitely going to try the 3am submission trick tonight with all my browser extensions disabled, and I'll also reach out to my school's financial aid office tomorrow morning to explain the situation. It's such a relief to know that schools are being understanding about these technical problems and that there are workarounds that actually work. Thanks everyone for sharing your experiences and solutions - this community is a lifesaver!
I'm so glad this thread has been helpful for you! It's amazing how many of us are dealing with the exact same issues - makes you realize it's definitely not user error but genuine system problems. The 3am trick really does seem to work for a lot of people, and don't forget to also try the mobile app if the website still gives you trouble. One thing I learned from reading everyone's responses is to document EVERYTHING - take screenshots with timestamps of every error, keep track of when you call, etc. Even if you get it submitted tonight, having that documentation might help speed things along with your financial aid office. Good luck with your submission tonight! Fingers crossed the late-night approach works for you too.
I'm just starting my FAFSA journey as an incoming freshman and this thread is both terrifying and reassuring at the same time! It's scary to see how widespread these technical issues are, but it's also comforting to know that schools are being understanding about the situation and there are actual solutions that work. I'm definitely bookmarking all these tips - the 3am submission trick, disabling browser extensions, trying the mobile app, and most importantly documenting everything with screenshots. It sounds like having that paper trail is crucial when working with financial aid offices. Thanks to everyone who shared their experiences, especially Sofia for coming back with the successful update! This gives me a game plan if (when) I run into similar issues. One question - for those who had success with the mobile app, did you find it worked better than the website even during normal hours, or was it mainly helpful as an alternative when the website was completely broken?
Taylor Chen
***UPDATE***. It was processed and then we went in and made the change. It was SOOOO easy to fix!!! Just wanted to update everyone who replied. Our SAI dropped by over 11,000 points after removing the retirement accounts. HUGE difference in our aid eligibility. Thanks to everyone who helped!!!
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Ana Erdoğan
•YAAAAY!!! so happy 4 u!! isn't it crazy how one little mistake can change everything?? glad u got it fixed!!
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Ezra Bates
•That's excellent news! An 11,000 point SAI reduction is significant and will definitely impact your aid eligibility. Thanks for updating us - this will help others who find themselves in the same situation.
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Andre Dubois
Wow, what a relief that you were able to fix it so easily! That 11,000 point SAI drop is absolutely massive - it really shows how important it is to get the asset reporting right. This whole thread has been super educational for someone like me who's new to the FAFSA process. I had no idea retirement accounts weren't supposed to be included, and honestly the way the questions are worded it's no wonder so many people make this mistake. Thanks to everyone who shared the step-by-step correction process - I'm bookmarking this thread in case I run into similar issues when I fill out my FAFSA next year!
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Drake
•Same here! I'm planning to fill out my FAFSA for the first time next year and this whole thread has been incredibly helpful. It's honestly scary how easy it would be to make a mistake like this - the FAFSA really should have clearer instructions about what counts as assets and what doesn't. I'm definitely going to reference that comprehensive list Jay posted when I get to the asset questions. Really glad everything worked out for you, Taylor!
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