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FAFSA is just the application form (Free Application for Federal Student Aid), not the money itself. After you complete the FAFSA, schools use that info to create a financial aid package which can include: - Grants (like Pell Grants) - free money you don't repay - Work-study - money earned through part-time campus jobs - Loans - borrowed money you do have to repay The OP is talking specifically about the loan portion of their daughter's aid package.
Something else to consider: if your daughter takes out the loans herself, it gives her skin in the game and financial responsibility. My son had his subsidized/unsubsidized loans in his name, and knowing he was responsible for them kept him focused on graduating on time. I also made a deal with him that if he maintained above a 3.5 GPA and graduated in 4 years, I'd help with payments. Worked out great as an incentive, and he finished cum laude in 3.5 years to save money. Student loans in her name won't ruin her future if the total amount is reasonable for her career path. Nursing starting salaries are typically $60-75k depending on location, so standard federal loan amounts should be manageable.
be careful with the professional judgment stuff!!!! my cousin did this and still got denied aid because the school decided they had too much money in savings even though they couldn't use the tax return method. the whole system is designed to deny people money i swear
While it's true that professional judgment can result in a less favorable outcome in some cases, it's important to note that schools are required to follow federal guidelines. Assets (including savings) are considered in the standard formula too, so this wasn't unique to professional judgment. Each case is different based on the family's full financial picture.
Thank you all for the helpful advice! I'm going to: 1. Have my spouse proceed with the certificate if we decide it's worthwhile 2. Submit the FAFSA for 2025-2026 as completely as possible 3. Contact the financial aid office at the degree program school immediately after 4. Prepare all our immigration documents, current income info, and a written explanation 5. Use Claimyr to reach FSA if I need official clarification I feel much more confident now! I'll update this thread after we go through the process in case it helps other recent immigrants.
One thing no one mentioned - if you get denied for the Parent PLUS loan due to adverse credit history, YOUR DAUGHTER automatically becomes eligible for additional unsubsidized student loans in her own name. This is actually a strategy some families use intentionally. The additional amount is usually $4,000-$5,000 per year depending on her year in school.
That's interesting - I have decent credit but that's good to know as an option. Would she have to submit some kind of appeal to get those additional unsubsidized loans, or is it automatic?
There's one more option I forgot to mention in my first response - you can also bring an endorser (like a co-signer) if you're denied for the Parent PLUS loan but still want to pursue it. The endorser can't be the student, but could be another relative with better credit. If you go this route, you'll also need to complete PLUS credit counseling on studentaid.gov.
UPDATE: I just got my SAI this morning! Exactly 5 weeks and 4 days after submitting. For anyone else waiting - hang in there, it does eventually come through. I also emailed my school's financial aid office like someone suggested and they confirmed they're being flexible with the priority deadlines this year because of the FAFSA delays.
congrats! was your SAI what you expected or was it way different? mine was higher than i thought it would be
My neighbor works in a financial aid office and she said they're telling students to expect 6-8 weeks for processing this year. Something about the new "FAFSA Simplification" actually making everything more complicated on the backend for now lol. Classic government program right? Make it "simpler" and it breaks everything
There is some truth to this. While the new FAFSA is simplified for students in many ways (fewer questions, more data directly imported from the IRS), the calculation changes and backend systems required significant overhauls. The Department of Education had to essentially rebuild their entire processing system. The growing pains are unfortunately affecting this year's applicants.
Liv Park
Update: I finally got through to someone at Federal Student Aid! The agent told me my application was flagged for manual review because my parents' tax filing status changed between 2023 and 2024. They're expediting it now and said I should see my SAI calculation within 72 hours. Thanks everyone for your advice and support!
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Ryder Greene
•That's great news! This happens quite frequently with the new FAFSA - changes in tax filing status can trigger reviews. Glad you got it resolved. Be sure to follow up if you don't see the update within the 72 hour window they promised.
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AaliyahAli
wait how did you actually get through to them? i've been trying for days and can't get past the automated system
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Liv Park
•I used that Claimyr service someone mentioned above. I was skeptical but desperate enough to try anything. They connected me to an agent in about 25 minutes when I had been trying unsuccessfully for days on my own. Totally worth it.
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