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When we first got our son's financial aid package, I was so confused because they included $15,000 in Parent PLUS loans as part of the "aid" package! That's not aid - that's DEBT! We decided to only let him accept the direct student loans ($5,500) and grants. We're cash-flowing the rest by selling our second car, taking on extra consulting work, and having him live at home to commute. It's not ideal but I refuse to take on debt at 52 years old that I'll be paying off in retirement. Has anyone successfully appealed their SAI calculation? We had some unusual medical expenses last year that weren't reflected in our tax return.
Yes, medical expenses can definitely be grounds for an SAI appeal! You'll need to submit what's called a Professional Judgment Request (different schools might call it different things) with documentation of your medical expenses. If those expenses exceeded 11% of your Adjusted Gross Income, you have a strong case for an adjustment. I successfully appealed my daughter's SAI last year when my ex-spouse's alimony payments ended, which was a significant change to my income that wasn't reflected in the tax returns FAFSA used. They reduced our SAI by about 20% after the appeal.
Wow, congratulations on that aid package! $87k in savings is absolutely life-changing. I totally understand the mixed feelings though - being grateful but also frustrated that we have to feel grateful for "only" paying six figures for education. We're in the thick of this process too with our twin daughters who are high school seniors. After running the FAFSA estimator, I'm already having panic attacks about potentially paying for two kids at once. Even with aid, we're looking at potentially $60k+ per year combined if they both go to our state university. Quick question - did your daughter's merit scholarships come directly from the university or were they external scholarships she applied for separately? We're trying to figure out our scholarship strategy and wondering if we should focus more on school-specific awards or cast a wider net with outside scholarships. The fact that your daughter's grandparents paid $2,500/year in the 70s really puts this in perspective. Even adjusting for inflation, that would be maybe $15k today - still WAY less than current costs. Something is seriously broken when education costs have outpaced inflation by this much.
Update: Rutgers just notified us they received the FAFSA data too! So it looks like things are definitely moving now. Thanks everyone for the helpful advice! I'm feeling much more confident about the timeline now.
Congratulations on getting the notifications from both Montclair and Rutgers! That's great news that things are moving along. I'm still waiting to hear from any of my daughter's schools - we submitted about 2.5 weeks ago. It's reassuring to see that the system is actually working, even if it feels slow. Did you notice any pattern in which schools got your info first, or does it really seem random like others mentioned?
As someone who went through a similar process, I'd strongly recommend your friend connect with local immigrant advocacy organizations in Florida - they often have specialized knowledge about navigating these systems that even financial aid offices don't have. Organizations like the Florida Immigrant Coalition sometimes offer workshops specifically on FAFSA for new citizens. Also, she should look into whether any community colleges near her offer bridge programs for internationally-trained healthcare professionals. These are often cheaper than university programs and specifically designed to help foreign-trained doctors transition to US practice. Many of these programs qualify for federal aid since they lead to certificates that are required for licensing. One last tip: if she's considering taking the USMLE exams, some test prep programs are eligible for federal aid if they're offered through accredited institutions. It's worth asking about when she speaks with schools!
This is incredibly helpful advice! I hadn't even thought about immigrant advocacy organizations - that's such a smart suggestion. She's in the Tampa area so I'll help her look up what resources are available there. The bridge program idea is especially interesting since those might be more affordable and targeted to her exact situation. Thanks for taking the time to share all these specific tips - I'm definitely going to pass all of this along to her!
Just wanted to add something that might help your friend - when she does get her citizenship finalized, she should also look into state-specific financial aid programs in Florida. The state has its own grant programs like Florida Student Assistance Grant (FSAG) and Bright Futures that she might qualify for as a new resident/citizen, even if federal Pell Grant eligibility gets complicated due to her foreign degree. Also, many medical schools and healthcare institutions in Florida have their own scholarship funds specifically for students from underrepresented backgrounds or those pursuing healthcare careers. Since she's already a trained physician, she might be viewed favorably for these programs. I'd suggest she reach out directly to admissions/financial aid offices at places like University of Florida College of Medicine or Florida International University - they often know about funding sources that aren't widely advertised. The key is to cast a wide net beyond just federal aid. There are often multiple funding sources available that can be combined to make her educational goals more affordable!
Have you considered reaching out to your local congressman or senator's office? This might sound strange, but when my FAFSA was stuck in verification hell last year, my dad contacted our senator's constituent services office. They have staff dedicated to helping with federal issues, including Department of Education problems. The senator's office made an inquiry on our behalf, and magically our verification was completed within a week after being stalled for over a month. It's worth a shot if things continue to drag on.
I had no idea this was even an option! Would I just call their local office? This sounds like a great backup plan if our other attempts don't work. I'm willing to try anything at this point.
Yes, just call their local district office (not the DC office) and ask to speak with someone who handles constituent services for education issues. Explain the situation clearly, have your verification case number ready, and mention the timeline constraints with the upcoming semester. They'll typically have you fill out a privacy release form, then they'll reach out to their Department of Education contacts on your behalf. It's literally their job to help constituents navigate federal bureaucracy, so don't feel bad about asking!
I'm so sorry you're going through this stress! As someone who just went through a similar situation with my daughter's FAFSA verification, I wanted to share what worked for us. We were stuck in "extended review" for 8 weeks, but here's what finally moved things along: 1. We called the school's financial aid office weekly (not to be annoying, but to show we were actively engaged) and asked them to document each call in our file. 2. We submitted a hardship letter explaining our specific timeline constraints and financial situation - the school forwarded this to the Department of Education as part of our case. 3. Most importantly, we asked the school about their "aid pending" enrollment option. They let us register for classes and defer 75% of the tuition payment until October 15th, with just a small enrollment deposit required upfront. The verification finally cleared in week 9 (mid-August), and the Parent Plus loan funded just in time. Don't give up hope, and definitely explore all the payment deferral options others have mentioned here. The schools really do understand this is happening to lots of families this year due to the FAFSA system changes.
Caleb Bell
have u checked ur spam folder? sounds dumb but my calgrant emails ALWAYS go to spam lol might be worth checking
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Harper Collins
•Just checked and nothing there sadly. But thanks for the suggestion! I'll keep an eye on my spam folder going forward.
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Dmitry Ivanov
I'm going through the exact same thing right now! My CalGrant has been stuck at GPA verification for over a month and I'm getting really anxious about my tuition payment deadline. Reading through these comments is actually really helpful - I had no idea about emergency loans or that this was such a widespread issue this year. I'm definitely going to call my school's financial aid office tomorrow to ask about short-term assistance while we wait for these CalGrants to finally process. It's frustrating that we're all dealing with this but at least we're not alone!
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Carmen Diaz
•You're definitely not alone in this! I'm also dealing with the same CalGrant delay and it's such a relief to see that so many people are experiencing this. The advice about emergency loans from the financial aid office seems like a lifesaver - I'm planning to ask about that too. Hopefully we'll all see our CalGrants update soon, but at least now I know there are options to help bridge the gap while we wait!
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