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DONT FORGET the new FAFSA for 2025-2026 has that new SAI score instead of EFC too!! The whole system changed and it's SUPER confusing. My cousin's application got all messed up because she didn't realize how different everything is now.
Oh geez, I didn't even think about that! What's different about the SAI compared to the old system? Will that affect how they look at my tax situation?
The SAI (Student Aid Index) replaced the EFC (Expected Family Contribution), but the change won't affect how they handle tax disputes. The key differences are in how they calculate your aid eligibility - they're less generous with certain income protections and have changed how they assess multiple students in the same household. But for your specific tax issue, the process for resolving it remains the same regardless of EFC or SAI.
The worst part of all this is the timing. If you're trying to start school this fall (2025), you're cutting it close with financial aid. Most schools have priority deadlines for FAFSA in February-March for the following fall semester. Missing those can mean thousands less in institutional aid even if you still qualify for federal aid. If I were you, I'd: 1. File both tax returns ASAP 2. Submit FAFSA immediately after 3. Contact your school's financial aid office directly 4. Ask about any emergency or late consideration policies they have 5. Get documentation of your custody situation ready The tax dispute with your ex is important, but it's a separate battle that can be fought after your financial aid is secured.
You're right about the timing - I'm definitely getting anxious. The school I want to attend has classes starting in August, and their financial aid deadline for priority consideration was March 1st. Do you think I've already missed out on some aid options?
Missing the priority deadline often means you've missed out on school-specific grants and scholarships, but you should still qualify for federal aid like Pell Grants and Direct Loans. Call the school's financial aid office *tomorrow* and ask about late consideration policies - many schools hold back a portion of their funds for special circumstances or have cancellation scholarships that become available in July when other students change their plans.
One other important thing to note: If UAB has already requested verification, make sure you're monitoring your son's student portal AND email for notices. Alabama schools often communicate verification requirements through the school's system rather than through the Federal Student Aid portal. Also, if you resolve the federal verification first, many Alabama schools will simplify the state verification process and potentially just require the additional state forms rather than duplicating documentation efforts.
The Alabama SAI will always differ somewhat from the federal calculation due to the state's inclusion of additional assets (like home equity). However, resolving federal verification will ensure your base financial data is correct. Once that's done, the Alabama differential should only reflect their additional factors, not errors in the underlying data. So yes, definitely resolve the federal side first, then address any remaining state discrepancies afterward with the financial aid office at UAB.
This is exactly what I learned when I finally got through to an FSA agent through that Claimyr service. They confirmed all my federal data first, then gave me a verification confirmation number that I could provide to my son's Alabama school. Made the state part go much smoother since they knew the base information was already verified federally.
One important thing to remember is that the Parent Plus loan isn't directly tied to the SAI calculation or the initial financial aid package. Once your son receives any financial aid offer from a school, you can apply for the Parent Plus loan separately to cover remaining costs up to the cost of attendance. Even if there are delays with the initial aid package, you'll typically have time to complete the Parent Plus application before payment is due. The Parent Plus application process is separate from the FAFSA and usually takes just 3-5 business days for credit approval.
I submitted my FAFSA on January 22nd and just received my SAI yesterday. The entire financial aid process seems much slower this year with the new system. Once we got the SAI, I immediately called my daughter's top choice school and they confirmed they had received the information. One suggestion - check your spam folder regularly. My SAI notification went to spam, and I only found it when I manually checked. Also make sure your contact information is up to date on studentaid.gov.
Something to keep in mind - your daughter's financial aid package will likely improve after freshman year. The loan limits increase ($6,500 for sophomore year, $7,500 for junior/senior years). Additionally, once she's on campus and established, she'll have more opportunities for departmental scholarships and upper-level work opportunities that often pay better than first-year work study positions. Also, don't overlook outside scholarships! Local community organizations, parent employers, and industry associations often offer scholarships that have much less competition than national ones. Even small scholarships of $500-$1000 can add up quickly.
That's good to know about the increasing loan amounts - though I was hoping to minimize how much she needs to borrow. I hadn't thought about checking with my employer for scholarships, that's a great suggestion! Do outside scholarships affect the financial aid package the school offers?
Unfortunately, yes - many schools will reduce their institutional aid dollar-for-dollar when you receive outside scholarships. However, they typically reduce loans or work study first before reducing grants. Some schools have more generous policies where they'll only reduce a percentage of their aid when outside scholarships come in. Definitely ask each financial aid office about their outside scholarship policy.
Based on your SAI, your family is expected to contribute about $31,422 per year toward college costs. Any college with a cost of attendance higher than that amount means your daughter would have demonstrated need. For example: If a college costs $50,000/year total (tuition, room, board, etc.): - Your demonstrated need would be $18,578 ($50,000 - $31,422) - This can be filled with various aid types (loans, work-study, grants) If a college costs $25,000/year: - You'd have no demonstrated need since your SAI exceeds the cost - You'd still get the unsubsidized Direct Loan ($5,500) since that's not need-based This is why you might see very different packages from different schools depending on their total cost.
That makes so much more sense now! Most of the schools she applied to are in the $40-55k range, so it sounds like we'll definitely have some demonstrated need. Is that $31,422 expected contribution per year for all four years? Or does it change each year when we resubmit the FAFSA?
Carmen Diaz
Quick update based on information just released yesterday: The Department of Education announced they will be enabling the school list editing feature sooner than mid-April. No exact date yet, but they're aiming for early March. This is in response to the high volume of similar complaints. In the meantime, still contact your new schools as they may have workarounds in place.
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Ethan Wilson
•That's encouraging news! Where did you see this announcement? I'd like to follow their updates more closely since everything keeps changing.
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Carmen Diaz
•It was in their Federal Student Aid Partner Connect newsletter that goes to financial aid administrators. The public version should be posted on the FSA updates section of studentaid.gov, though sometimes there's a delay between the partner and public communications.
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NeonNova
After reading through all this I decided to try contacting one of my daughter's schools directly like others suggested. Just got off the phone with them and they were super helpful! They said this is happening to LOTS of people and they have a form we can fill out to verify our intent to apply for aid even though the FAFSA hasn't officially been sent to them yet. They said as long as we get that form in by their deadline, they'll hold our financial aid package until the FAFSA system allows the update in March/April. Might be worth asking if your new schools have something similar!
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Ethan Wilson
•This is amazing information! I'm going to call all three schools tomorrow. Thank you so much for sharing what worked for you!
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