One thing noone menitoned is that Parent PLUS loans can sometimes be transfered to the student after graduation using refinancing companies. Thats what we plan to do with our son when he gets his first job, but for now we're protecting his credit while hes in school

After reading your situation again, I'd recommend this specific strategy: 1. Have your daughter take the max federal Direct Subsidized loans first (~$3,500) 2. Then federal Direct Unsubsidized loans (~$2,000) 3. Then you take Parent PLUS for the remaining ~$8,500 This maximizes the loans with the best terms while splitting responsibility. The subsidized loans are particularly valuable since no interest accrues while she's in school. And remember, you can always help her pay her loans after graduation even if they're in her name - but having some loans in her name helps build her credit history.

does anybody know why they changed everything this year?? my older son did fafsa 3 yrs ago and it was wayyy easier and we got all his awards by march!! so confused why they had to mess with the system

Update: I took everyone's advice and called SUNY Buffalo this morning! Got through after about 20 minutes on hold. The counselor was super helpful and said my aid package is being finalized this week and should be available on the portal by Friday. She gave me a rough estimate that was actually better than what Rochester offered! Now I just need to hear from the other schools. Feeling much more optimistic now!

The whole parents contribution thing is a JOKE. My son's mother and I are divorced and NEITHER of us could access the parent section properly. We both kept getting the same error you did. Then when we finally got in using the email link, the system kept crashing when entering tax info. The new FAFSA system is a total disaster compared to previous years!!! We ended up having to call and wait 2+ hours to get help. Absolutely ridiculous.

To answer your question about the waiting period - there's no official waiting period between invitations, but sometimes the system has delays. Ask your daughter to check if the first invitation shows as "pending" in her FAFSA portal. If it does, she might need to cancel that one before sending a new invitation. Also, double-check that the email address she's sending it to is correct. The invitation goes specifically to the email you used when creating your FSA ID.

Update: I tried downloading the PDF as suggested, but the SAI still isn't there. I'm going to give it a few more days as someone suggested. If it's still not showing up by Friday, I'll try reaching out to them directly. Thanks everyone for your help and suggestions!

SUCCESS! I found it on the confirmation page! Thank you all so much for your help. For anyone else looking, the SAI number wasn't on the main dashboard or even in the downloaded PDF of the SAR, but it was on the confirmation page under "View Submitted Applications" as suggested. It's labeled very clearly there as "Student Aid Index (SAI): [number]". What a relief!

I just wanna say i applied for sm scholarship in high school and like never heard from most!! its super normal dont worry lol. they only tell u if u win something its crazy but thats how it works good luck!!!

While you're waiting to hear back about these scholarships, I recommend reviewing your son's current financial aid package from his chosen school(s). With the higher-than-expected SAI score, you may want to submit a Professional Judgment appeal (sometimes called a Special Circumstances review) to the financial aid office. If your financial situation has changed since the tax year used for FAFSA calculations, or if you have unusual expenses not captured by the FAFSA, this process might help increase his institutional aid offer regardless of these outside scholarships.