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My daughter waited till literally the LAST DAY of priority deadline to do her part last year and I was SO MAD!!! But tbh her section only took like 20 minutes since she didn't have any income or assets to report. And yes the married filing separate thing is annoying... we have to do it for specific tax reasons but the FAFSA system seems to hate it lol
One more thing to mention - make sure both you and your husband have access to all the verification documents that might be requested if you get selected for verification (which is more common with MFS status): - Tax returns for both parents - W-2s for both parents - Any business income documentation if applicable - Asset information (bank statements, investment accounts) - Any untaxed income documentation Having these ready will save you a lot of time if verification is requested. And yes, unfortunately the student must complete their section first - there's no way around that requirement.
I didn't know this was possible! Her first choice school has been really helpful throughout this process, so I'll definitely ask if they can provide an estimated package. That would at least give us some idea of what we're looking at financially while we wait for the official SAI. Thank you for this suggestion!
UPDATE: We got it resolved!!! First, I used Claimyr to get through to an FSA agent who confirmed we were stuck in verification and added a note to our account. Then I sent the verification documents to all three schools. Her first-choice school was amazing - they processed everything within 48 hours and somehow that triggered the SAI to appear in the system!\n\nHer SAI is $13,842, which qualifies her for some need-based aid plus the full federal loans. Not as much aid as I hoped for, but at least she can attend with a manageable loan amount. The financial aid director even offered us a special circumstances review since my income has decreased since 2023.\n\nTHANK YOU to everyone who helped with advice. This forum literally saved my daughter's college plans!
why does fafsa have to be so confusing??? my family gave up and hired a financial aid consultant because the whole thing is impossible
I honestly think about 80% of FAFSA issues are communication problems. The system works fine usually, but they do a terrible job explaining what each status means and sending correct notifications. "Processed" should really be labeled "Received but not necessarily complete" which would save everyone so much confusion.
UPDATE: I found a workaround that might help others with this signature issue. Even if the system says "processed" but you got the missing signature email: 1. Both parent and student should log in separately to studentaid.gov using your FSA IDs 2. Go to "My FAFSA" section 3. Find the 2025-2026 application 4. Select "Make Corrections" 5. Navigate through until you reach the signature section 6. Complete the signature process again 7. Submit the corrected form After doing this, our status changed to "Processing" for 2 days, then "Processed" again, and then finally we received the SAI score and acknowledgment that everything was complete.
i went thru this last month for my son at state university. his school financial aid office told me they need the fafsa NOW but the plus loan later. the email they sent was super confusing tho!!!!! also make sure you know what your efc/sai is before you apply for the plus because you might not need as much as you think
Update from my daughter's financial aid office: They told me the 2024-2025 Parent PLUS application will be available starting April 28th, 2024. So just a couple more weeks to wait. I also asked about whether my daughter needed to complete any additional forms for her school specifically, and they said yes - many schools have their own supplemental forms beyond the federal requirements, so it's worth checking your portal or contacting your financial aid office directly.
Aisha Rahman
Something else to consider - has your son checked if he's eligible for any income-driven repayment plans on his federal loans? The new SAVE plan can significantly reduce monthly payments based on income and family size. As a teacher with a child, he might qualify for very low payments on the federal portion. Some borrowers are eligible for $0 monthly payments while still making progress toward forgiveness. This won't help with the Sallie Mae loans, but freeing up money from federal loan payments could help manage the private loan burden. For the Sallie Mae issues specifically, document every payment with dates, confirmation numbers, and screenshots showing how they're misapplying funds. Contact the loan servicer in writing (not just by phone) and request a detailed explanation of how payments are being applied. If they don't resolve it, escalate to their ombudsman office, then CFPB as others suggested.
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Zara Khan
•I hadn't heard about the SAVE plan! Is that different from the older income-based repayment plans? I'll definitely have him look into that. And thank you for the documentation advice - he's been trying to handle this all by phone which clearly isn't working. I'll help him draft a formal written request about the payment application issues.
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Luca Ferrari
One more thought - if he's teaching in a Title I school, he might be eligible for the Teacher Education Assistance for College and Higher Education (TEACH) Grant program for any future education. It provides up to $4,000 per year for teachers who commit to teaching in high-need fields at schools serving low-income students. If he's considering a master's degree to increase his salary, this could help fund it without taking on more loans.
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Carmen Flores
•my sister did TEACH grant and it ended up converting to a loan bc the paperwork requirements are INSANE!!! they make it super easy to mess up the annual certification. be really careful with this one
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