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Quick update for you - I just remembered that my friend had this EXACT issue and he fixed it by entering his FULL middle name instead of just the initial. Even though his SS card only showed the initial, the full name worked for verification. Might be worth a try!
Just to add some clarity about the timeline: if you need to submit the Identity Resolution Request form, make sure you follow up by phone after 3 business days if you haven't heard back. Current processing time metrics from FSA show 84% of these requests are completed within 5 business days, but that still means 16% take longer. Given your deadline concerns, you should request a priority review based on your daughter's aid deadline. Be prepared to provide the deadline date and the school's federal code.
dont worry about the SAI too much, most of it is BS anyway. my brother had a super high SAI but still got tons of scholarships from his school. just make sure she has good grades and writes good essays for scholarship applications!!
Thank you all so much for the advice! I'm feeling a bit better about our options now. We're going to: 1. Reach out to each school's financial aid office about appeal options based on our medical expenses and my husband's job change 2. Look into the CSS Profile for the private schools 3. Help my daughter apply for more merit scholarships 4. Consider adding a few more schools where she might be more competitive for merit aid It's frustrating that the system seems to penalize middle-class families so much, but at least we have some strategies to work with now.
Also worth noting that the SAI calculation treats these situations differently than the old EFC formula did. I've noticed that students with parents without SSNs often have higher SAI scores under the new system unless the income documentation is extremely thorough and properly categorized. Make sure your student understands how their SAI is calculated and what it means for their aid eligibility.
I actually co-wrote a guide for Virginia advisors on this exact topic after seeing so many issues with the new system. I'd be happy to email it to you - it includes sample forms, calculation examples, and a timeline of what to expect. Just DM me your professional email address.
Jamal Anderson
idk about the bankruptcy thing but my cousin got her loans forgiven when her college closed down so maybe look into fraud discharge options too????
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Zoe Dimitriou
•That's a completely different situation - closed school discharge is automatic and doesn't require proving undue hardship through bankruptcy. Other discharge options include Public Service Loan Forgiveness (after 10 years of qualifying payments while working for government/nonprofit), Total and Permanent Disability discharge, and Borrower Defense to Repayment (for school misconduct). None of these appear to apply to OP's situation currently.
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GalacticGladiator
Thank you all SO MUCH for the advice! I'm going to focus on the Professional Judgment appeal first and gather all my documentation. I've made an appointment with the financial aid office for next week and will bring my parents and all our medical bills. I'm also going to reconsider those CSS Profile schools that might offer better aid packages. Hopefully I can get this resolved before having to take out massive loans - bankruptcy definitely sounds like a last resort option that rarely works for student loans.
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Carmen Ruiz
•Excellent plan! One last tip - if your first financial aid counselor isn't helpful, politely ask to speak with the director or a senior counselor. Sometimes the front-line staff have less authority to make adjustments. Good luck with your appeal, and keep us posted on how it goes!
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GalacticGladiator
•Will do! I'll update this thread after my meeting next week. I'm feeling much more hopeful now that I have a concrete plan and the right terminology to use.
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