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tbh this happens to so many families. my brother couldnt go to his first choice bc of $$. it sucked but he went to state school and is doing great now. sometimes you gotta be realistic about what u can afford
I know you're right, and we do have her second choice as a backup (much cheaper state school). Just trying to explore all options before we give up on her dream school.
One last thing to consider - now that you've been denied for the PLUS loan, ask the financial aid office if they offer any kind of Parent PLUS Loan Alternative. Some schools have institutional loan programs specifically for families who can't qualify for PLUS but don't want their students taking on too much debt. These programs often have more flexible credit requirements. Also, with your SAI of 7850, double-check that you received all the federal and state grants you're eligible for. That SAI should typically qualify for some Pell Grant funding, and many states have their own grants based on FAFSA info.
Thank you so much for mentioning this! Her package does include a $3,900 Pell Grant and a $2,100 state grant, but I'll definitely ask about PLUS alternatives. You've all been so helpful - feeling much more prepared to advocate for my daughter now.
Did anyone else notice they made the FSA IDs WAY more complicated this year?? My son's high school counselor said they completely redesigned the system and tons of parents are having problems. Apparently the new FAFSA is supposed to be 'simpler' but everything about it seems harder lol
Just to give you some peace of mind: I've been helping families with FAFSA for years, and I can tell you the actual FSA ID system is working correctly even when the communication systems aren't. As long as you and your wife can: 1. Log in to studentaid.gov 2. See your profile information 3. Access your settings Then your FSA IDs are ready for FAFSA completion. The confirmation emails are experiencing delays due to system overload, but this won't affect your ability to complete the FAFSA for your daughter. One last tip: make sure to write down your FSA ID usernames and passwords somewhere secure. You'll need them again next year and for all four years of your daughter's college education.
Update: Mystery solved! I just heard back from my stepson. Turns out his school has a March 15th priority deadline for submitting the CSS Profile for institutional scholarships for 2024-2025. That's what his mom was freaking out about. And she had the year wrong too. Thank you everyone for your help! The panic has subsided. 😅
That makes perfect sense! The CSS Profile is indeed different from FAFSA and many private schools use it to determine institutional aid. Those deadlines are often much earlier than federal deadlines. Glad you got it sorted out!
Just to add a helpful tip since this confusion is so common: I recommend creating a simple spreadsheet with columns for: - Form type (FAFSA, CSS Profile, school-specific forms) - Academic year it applies to - Opening date for submission - Deadline date (both priority and final) - Renewal requirements This has saved my family so much stress over the years as we've gone through this process with three kids!
That's brilliant! I'm definitely going to create this spreadsheet and share it with both households. Maybe it will prevent the next financial aid panic attack. 😅
idk about the bankruptcy thing but my cousin got her loans forgiven when her college closed down so maybe look into fraud discharge options too????
That's a completely different situation - closed school discharge is automatic and doesn't require proving undue hardship through bankruptcy. Other discharge options include Public Service Loan Forgiveness (after 10 years of qualifying payments while working for government/nonprofit), Total and Permanent Disability discharge, and Borrower Defense to Repayment (for school misconduct). None of these appear to apply to OP's situation currently.
Thank you all SO MUCH for the advice! I'm going to focus on the Professional Judgment appeal first and gather all my documentation. I've made an appointment with the financial aid office for next week and will bring my parents and all our medical bills. I'm also going to reconsider those CSS Profile schools that might offer better aid packages. Hopefully I can get this resolved before having to take out massive loans - bankruptcy definitely sounds like a last resort option that rarely works for student loans.
Excellent plan! One last tip - if your first financial aid counselor isn't helpful, politely ask to speak with the director or a senior counselor. Sometimes the front-line staff have less authority to make adjustments. Good luck with your appeal, and keep us posted on how it goes!
Austin Leonard
Use the messaging system within your student's studentaid.gov account portal for official communication. The fsapartners email is primarily for institutions and financial aid administrators. When using the portal messaging system, select \
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Sophie Duck
ok thx! just sent a message through the portal
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