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Just to add a final point - if your nephew's biological father is contributing significantly to his education costs, that should be reported in the additional information section of the FAFSA or in a separate letter to each college's financial aid office. While it won't change the federal calculation, individual colleges may take it into account when awarding their institutional aid.
As someone who just went through this process with my own stepkid, I can confirm what others have said - it's definitely just the parent your nephew lives with most (his mom) plus her current spouse (stepdad). The FAFSA doesn't care about the biological father's income or his new wife's income in this situation. One thing I'd add is to make sure you have all the tax documents ready for both the mom AND stepdad before you start - you'll need their W-2s, tax returns, and bank statements. The process goes much smoother when you have everything in front of you rather than trying to hunt down documents mid-application. Good luck!
Update: I called the FSA office this morning (waited 45 minutes but finally got through). They added a note to my profile about the identity theft situation and gave me some specific instructions for when we file the FAFSA. They also suggested we request an extension from any schools with early financial aid deadlines just in case there are processing delays. Thank you all for your helpful advice!
That's excellent news! Having that note on your profile will make a big difference. One more tip: When your son receives his FSA ID, make sure he keeps all the login information secure and enables two-factor authentication if available. With your history of identity theft, it's good to take extra security precautions with his FAFSA account too.
So glad you were able to get through to FSA and get that note added to your profile! That was definitely the right first step. One thing I'd also recommend - keep detailed records of every phone call, reference number, and person you speak with throughout this process. With identity theft situations, sometimes information doesn't get passed along properly between different departments or agents. Having your own paper trail can save you from having to re-explain your situation multiple times. Also, if your son's FAFSA does get selected for verification (which sounds likely), respond to any requests immediately - even a few days delay can push you to the back of the processing queue. Wishing you and your son the best of luck with this whole process!
This is such great advice about keeping detailed records! I've learned the hard way with the IRS situation that you really do need to document everything. I've started a folder with all my identity theft paperwork, and I'll definitely add all the FAFSA stuff to it. The tip about responding immediately to verification requests is really important too - I can see how easy it would be to get pushed to the back of the line. Thanks for the encouragement! Hopefully we can get through this without too many headaches.
Summarizing what everyone has said: 1. Only your mom is legally responsible to the Department of Education 2. The divorce court may create a separate agreement between your parents 3. For future FAFSAs, you'll report the parent you live with more (or who provides more support) 4. Your FAFSA SAI calculation will change if you're only reporting one parent's income instead of two I'd recommend having your mom login to studentaid.gov to confirm she's the only one on the loan and to understand her repayment options going forward.
I'm going through something similar with my parents' separation. One thing that helped me was getting everything in writing from my loan servicer about who's actually responsible. You can also check your mom's Federal Student Aid account to see all the loan details and payment history. The divorce might actually help with your future FAFSA if you end up reporting just one parent's income instead of both - could potentially increase your aid eligibility depending on their individual financial situations.
One more thing to watch for - after your SAI is calculated, your daughter's FAFSA information is sent to the schools listed on her application. Each school then calculates its own financial aid package based on the SAI and their institutional formula. So even after you get the SAI, there's still a waiting period before you hear from individual schools about actual aid offers. Just wanted to manage expectations about the overall timeline.
Thank you for explaining this! I didn't realize there were so many steps after getting the SAI. Is there a typical timeframe for when schools send out their aid packages after receiving the FAFSA data?
It varies widely by institution. Some schools start sending packages within a few weeks of receiving FAFSA data, while others wait until March-April to send all their packages at once. If your daughter has already been accepted to a school, I recommend she contact their financial aid office directly to ask about their timeline. They can usually give you a specific date range for when to expect packages.
As someone new to this whole FAFSA process, I'm finding this thread incredibly helpful! My son is a junior and we haven't started yet, but seeing all these processing delays is making me nervous about timing. Should we plan to submit earlier than the typical deadlines to account for these longer processing times? Also, I'm confused about the difference between the SAR and SAI that people are mentioning - are these two separate documents or is the SAI just part of the SAR? Thanks for sharing your experiences, everyone!
Christian Burns
one thing nobody mentioned! check if ur in verification!! if ur selected for verification that takes FOREEVERRR to process and u have to send in extra documents. my roomate got selected last year and it took like 2 extra months to get her aid package!! the late submission might make them pick u for verification so be prepared!
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Jenna Sloan
•This is an excellent point. Late FAFSA submissions do sometimes have higher verification selection rates. If you're selected, you'll need to submit additional documentation like tax transcripts, W-2 forms, and possibly a verification worksheet from your school. Start gathering these documents now just in case - you can request tax transcripts directly from the IRS website.
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Vera Visnjic
Hey Raul! I went through something super similar at Texas A&M last year - thought I had submitted my FAFSA but it was just saved as a draft for MONTHS. The panic is real, but you're going to be okay! Since you're meeting with UT Austin tomorrow, here's what helped me: bring a printed timeline showing when you started the application (those November screenshots you mentioned are GOLD), and emphasize that this was a genuine technical confusion, not procrastination. UT's financial aid office is actually pretty compassionate about these situations. Even though you missed the January 15th priority deadline, federal Pell Grant and loan eligibility doesn't have the same hard cutoffs. And UT often has institutional emergency grants for exactly these kinds of situations - definitely ask about those! One heads up: if your EFC/SAI comes back different than expected, double-check all your tax info entries. When I was rushing to resubmit, I made some data entry errors that caused delays later. You've got this - and honestly, dealing with this now in March is way better than discovering it in August when school starts!
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