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i took out both types of loans and honestly its fine. yeah interest sucks but my brother didnt take loans and took 6 years to graduate cause he was working so much. i graduated in 4 years and started making real $ faster. ended up better off financially even with the loans
One more consideration: if you're planning to work in public service (government, non-profits, teaching, etc.), you might qualify for Public Service Loan Forgiveness after 10 years of payments. This can make federal loans an even better option. Also, look into whether your school offers any payment plans that might reduce how much you need to borrow each semester. Some schools let you spread payments over the term instead of paying all at once, which can help if you're working part-time.
Your FSA ID doesn't expire, but the password needs to be changed every 18 months. You'll get email reminders when it's time to update your password. As long as you keep your password current, your FSA ID remains valid indefinitely. One more tip: The 2024-2025 FAFSA form introduced major changes to the entire system. If you completed your first child's FAFSA before January 2024, you'll find the new system quite different. The good news is it's generally more streamlined now, with fewer questions overall.
One more important thing to note: Some critical financial aid emails might go to your school email account rather than your personal email. Many students miss deadlines because they only check their personal email. Make sure you're regularly checking both, especially as you get closer to the start of the term.
Thanks everyone for the helpful responses! I've set up dedicated folders in my email for FAFSA/aid communications, talked to my parents about checking their emails too, and I'm going to start regularly checking my student portal instead of just waiting for emails. Feeling much more organized now!
Just wanted to follow up - did you end up making the correction or did you get it resolved another way? I'm having a similar issue now with my university and getting worried
Glad to hear you got it resolved! For anyone else with similar issues, here's what to check: 1. Name matches exactly (including middle names/initials) 2. SSN matches exactly (all 9 digits) 3. Date of birth matches exactly 4. School code was correctly entered (each school has a unique federal code) 5. Verification of your FAFSA wasn't required (you'd receive separate notification) Almost all "FAFSA not received" issues are data matching problems, not actual submission problems. Your SAI and Pell Grant eligibility remain the same regardless.
Serene Snow
One last thing to try: go through the "Forgot FSA ID" process and reset your FSA ID completely. Sometimes the IDs get corrupted in their system. After you reset it, wait 24 hours before trying to sign again. I'd also suggest contacting your school's financial aid office directly. They sometimes have ways to mark your FAFSA as "in process" if you're having technical difficulties, which can protect your priority deadline status while you resolve the signature issues.
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Alejandro Castro
•That's a great idea about contacting my school! I'll call their financial aid office tomorrow. Maybe they can note in my file that I'm having technical problems. I'll also try resetting my FSA ID tonight.
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Monique Byrd
Just to close the loop on deadlines specifically: 1. Federal deadline: June 30, 2026 2. State deadlines: Vary widely (check studentaid.gov/apply-for-aid/fafsa/fafsa-deadlines) 3. School deadlines: Typically Feb-April for priority consideration If you're applying for a Pell Grant, Direct Subsidized/Unsubsidized Loans, or PLUS loans, meeting the federal deadline is sufficient. But for institutional scholarships, work-study, and some grants, the school's priority deadline is critical. The good news is that most schools understand that technical issues happen with FAFSA. Document everything - take screenshots of errors, save copies of emails you've sent, and note dates/times of attempted calls. This documentation may help if you need to appeal for aid consideration after resolving the issue.
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