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I experienced the Navient to MOHELA transfer about 8 months ago. Here's what you should know: 1. This won't affect your FAFSA or your daughter's financial aid eligibility at all. Federal loan information is tracked by your SSN in the National Student Loan Data System (NSLDS), not by servicer. 2. By law, your loan terms cannot change during a servicer transfer. Same interest rate, same payment plan, same forgiveness progress. 3. What DOES often happen: - You'll need to set up a new online account with MOHELA - You'll need to re-establish autopay (this doesn't transfer automatically) - Your due date might shift slightly - You'll get new payment instructions 4. If you notice ANY changes to your payment amount, immediately contact MOHELA and reference the "servicing continuity" requirements from the Department of Education. The transition was relatively smooth for me, but it does require some proactive monitoring on your part.
I wish mine had been smooth!! took like 4 months to get everything fixed and they kept giving me different answers every time I called 🙄
Thank you for breaking this down so clearly. I'll definitely watch for those issues you mentioned. I'm glad to hear your transition went smoothly - hoping for the same!
my cousin had this happen and he said mohela actually LOWERED his payment by like $12/month so maybe youll get lucky lol. but yeah you gotta redo all your account stuff and autopay and everything its super annoying
Oh wow, that would be a nice surprise! But I won't hold my breath lol. Thanks for letting me know about redoing the account setup. I'll start getting that ready now.
To clarify some confusion in this thread: 1. You submit one FAFSA application per family, not per student. Your twins will be listed on the same form. 2. For the 2025-2026 FAFSA, you'll use 2023 tax information (they always use tax info from two years prior). 3. Each student will receive their own individual SAI (Student Aid Index) score based on your family information and the specific schools they're attending. 4. For the transfer student, both schools need to be listed on the current year's FAFSA if she might attend either one, and definitely both schools need to be on next year's FAFSA. 5. Priority deadlines vary by school, so check each institution's financial aid website for their specific deadlines.
Thank you so much for these clarifications! I'm going to sit down this weekend and figure this all out. One last question - since we'll be using 2023 tax info, does that mean we don't need to wait until we file our 2024 taxes to complete the new FAFSA?
Correct! That's one of the benefits of the FAFSA using prior-prior year tax information. You can complete the 2025-2026 FAFSA right now using your already-filed 2023 tax information. No need to wait for your 2024 taxes. This is why it's best to file as early as possible - many state and institutional grants are first-come, first-served until funding runs out. The federal Pell Grant doesn't run out, but other aid types might if you wait too long. Also make sure both your FSA ID and your students' FSA IDs are current and that you can access them before starting the renewal process.
This is such a relief! I'm going to log in tonight and get started. You've all been incredibly helpful - thank you for explaining everything so clearly. I think I would have missed important deadlines without this advice.
wait so do we need to keep hitting submit or just leave it alone now? im confused about what to do
If you've submitted once and received a confirmation email, DO NOT keep submitting. Your application has been recorded in the system. Multiple submissions can actually cause processing delays or confusion in the system. Just wait for the display issue to be fixed or contact your school to confirm they received your submission.
UPDATE: Problem solved! For anyone else dealing with this issue: 1. My school confirmed they received my FAFSA despite the website glitch 2. I used Claimyr to finally speak with an FSA agent who confirmed my submission was complete 3. The agent said they're working on fixing the display bug but it might take another week So if you've submitted and got a confirmation email, you're probably fine even if the website looks broken. Just double-check with your school's financial aid office to be 100% sure. Thanks everyone for your help!
Thank you for updating! Just checked with my school and they confirmed mine was received too. What a relief!
Glad it worked out! But seriously, they need to fix their systems. This is people's EDUCATION FUNDING at stake!
Financial aid administrator here. A few important points: 1. For FAFSA purposes, stepparents ARE included in the household regardless of tax filing status or legal guardianship. This is a common misunderstanding. 2. That said, maintaining genuine separate households SHOULD be considered during a professional judgment review. 3. The fact that they only asked for his name but used his income suggests they likely obtained it through the IRS Data Retrieval Tool or other database matching. 4. For 2023-2024 FAFSA, non-taxable income like survivor benefits IS still counted in the calculation (this changes with the 2024-2025 FAFSA). 5. The solution is to request a Professional Judgment review at your son's school. Only the school (not FAFSA itself) can adjust the calculations based on your special circumstances. 6. Bring documentation of separate households (utility bills, leases, etc.) and be prepared to explain why the stepparent's income should not be included.
Thank you for the expert insight! It's frustrating that they count stepparents regardless of actual household situation. I'll definitely pursue the Professional Judgment review with all the documentation. Just to clarify - even though we file taxes separately and maintain separate residences, they still automatically include his income?
Yes, that's correct. FAFSA rules consider your marital status first, then look at who lives in the household. The fact that you file taxes separately doesn't change the FAFSA treatment, unfortunately. The separate households is your strongest argument for a professional judgment review. One more thing to check: make sure the household size was reported correctly. If it was reported as smaller than it actually is, that could also artificially inflate the SAI.
Anastasia Fedorov
Glad to hear you got it resolved! Make sure to tell your daughter to keep checking her SAI score in the coming weeks. The system should generate the SAI within 3-5 business days now that everything is properly submitted. If you don't see an SAI by then, that could indicate other issues that need addressing.
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Chloe Anderson
•Will do! I've marked my calendar to check back in a week. This whole process has been much more complicated than when I did FAFSA for my older son a few years ago.
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CosmicCruiser
my daughters fafsa took foreverrr to process even after we both signed it properly! the whole system is so broken this year 🙄
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