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Anyone else finding the whole parent vs contributor thing confusing in the new FAFSA? Like I'm divorced and my ex has to fill out stuff too but he's not really a "contributor" financially if you know what I mean lol
Great question about the contributor situation! For divorced parents, the FAFSA now requires information from the parent who provides the most financial support to the student, regardless of who the student lives with. The other parent is not required to provide information unless they're still married to the providing parent. This is different from the CSS Profile (used by some private schools), which often requires information from both biological parents regardless of marital status.
Thank you all SO MUCH for the helpful advice! I've created our FSA IDs (still waiting on the verification email for my son's account), downloaded the worksheet PDF, and started gathering our 2023 tax documents. I feel much more prepared now. I'll definitely be trying to submit early on December 1st, but it's good to know about that Claimyr service if we run into technical issues. And I appreciate the clarification about the contributor vs parent situation - that could have been confusing! One last question - does anyone know if scholarships my son already won (a $5,000 merit scholarship from his top choice school) need to be reported on the FAFSA?
The merit scholarship from the school doesn't need to be reported on your FAFSA. The school already knows about it since they awarded it, and they'll factor it into your overall financial aid package. You only need to report external scholarships (like from community organizations, private companies, etc.) to the school directly, not on the FAFSA. Congratulations to your son on earning that scholarship!
my sister got a nursing scholarship from our local hospital foundation mid-year when she was struggling her sophomore year too. she had to write an essay and get a letter from one of her clinical instructors. maybe check if hospitals in your area have something similar?
also forgot to mention check with your employer!! my company offers dependent scholarships even for part time workers. its not huge (like $2500/yr) but everything helps!!! and my husband's union has scholarships for kids of members
To answer your earlier question - most schools will automatically create a financial aid package based on the FAFSA information. Your cousin doesn't need to do anything else unless: 1. She gets selected for verification (about 30% of FAFSA filers do) 2. The school requests additional documents 3. She wants to appeal for more aid based on special circumstances The aid package will come with her acceptance letter or shortly after. Just make sure she listed all her potential schools on the FAFSA!
No separate applications needed for federal aid! The FAFSA is your one-stop application for Pell Grants, federal loans, and work-study. However, there are a few exceptions: - State grants sometimes require additional forms (check your state's higher education website) - Some schools require the CSS Profile for institutional aid (mainly private colleges) - Scholarships usually have separate applications But for the basic federal aid package including Pell Grants, the FAFSA is all you need. Just make sure she responds quickly if they request verification documents.
cuanTO tardó en aparecer el mensaje de "processed"? yo envié mi corrección hace 10 días y todavía nada 😩
nadie mencionó que ahora el SAI (student aid index) remplazó al EFC? si estás buscando el "expected family contribution" no lo vas a encontrar porque cambió de nombre en el 2024-2025. busca SAI en tu reporte.
Declan Ramirez
One solution that helped some of my advisees: if you have good credit, look into using a 0% APR credit card for part of the tuition (if the school accepts it), then aggressively pay it off before the promotional period ends. This works best if you need to bridge a smaller gap for 12-18 months. Not ideal, but I've seen families successfully use this to avoid high-interest loans when they have stable income but just need to spread payments out.
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Mikayla Brown
•That's creative! Our school charges a 2.5% fee for credit card payments, but even with that, a 0% card could be better than a 9% loan if we can pay it off in a year. Might use this for a portion of the amount. Thanks!
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Katherine Hunter
After checking around extensively last month, I found Earnest was offering the lowest rates - I qualified for 7.25% with similar credit to yours. Not under 7% but better than most. They consider more than just credit score - they look at savings patterns, employment history, and education. Worth checking out. Also, I'd strongly recommend calling your son's financial aid office and asking specifically about their institutional loan programs. Many schools have their own loan funds with rates around 5-6% that they don't widely advertise but are available to continuing students in good standing.
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