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One final note - make sure your son completes his contributor information promptly. All contributors must submit their information before the FAFSA can be processed. If he delays, it will hold up your daughter's entire financial aid package. The school's priority deadlines for financial aid are important - missing them can mean less aid for your daughter.
Just went through this exact situation last month! Had the same confusion with my 20-year-old who works but lives at home. Here's what I learned: if you're providing free housing, you're almost certainly providing more than 50% support even if he pays for other things. Housing costs are usually the biggest expense when you calculate fair market rent value. I ended up including my son (household size 4 in your case) and yes, he had to provide his tax info as a contributor. It was awkward but necessary. Don't risk verification by trying to exclude him if you truly provide majority support - the delays aren't worth it!
This is really helpful to hear from someone who just went through it! I'm definitely leaning toward including my son now. Quick question - when your son had to provide his tax info as a contributor, did he need to create his own FSA ID or could you enter his information for him? Just trying to figure out the logistics of getting him involved in this process.
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?
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.
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?
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.
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.
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!
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.
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.
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?
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.
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!
Amara Oluwaseyi
This doesn't solve your immediate issue, but for anyone else reading this - if you have to make corrections to your FAFSA, make sure you're extremely careful. Many students are finding that correcting one thing is causing their entire application to get pushed to the back of the line for processing. Only make absolutely necessary corrections right now!
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Mei Wong
I'm so sorry you're going through this - it sounds absolutely exhausting! I'm a new member here but dealing with similar FAFSA nightmares. One thing that helped me was creating a detailed log of every call attempt (date, time, how long on hold, outcome) and sending that to both my school's financial aid office and my congressman's office. It shows the severity of the situation and some schools are being more flexible when they see documented proof of the system failures. Also, if your school has a student ombudsman or dean of students office, they might be able to advocate for you with enrollment services about the deposit deadline. Sometimes they have more pull than regular financial aid staff. Hang in there - this isn't your fault and you're definitely not alone in this mess!
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