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they should really make this more clear!!! i was so confused by the black vs blue too, ended up starting over TWICE thinking i did something wrong!!! 😤
To address a few questions that came up in this thread: @user109: The EFC (Expected Family Contribution) was replaced by the SAI (Student Aid Index) starting with the 2024-2025 FAFSA as part of the FAFSA Simplification Act. It's essentially the same concept but with some calculation changes that better account for family size and multiple students in college. For everyone having trouble reaching Federal Student Aid by phone: they're experiencing extremely high call volumes due to all the questions about the redesigned form. In addition to the Claimyr option mentioned above, you can also try: 1. Using the virtual assistant on studentaid.gov (it's actually pretty helpful) 2. Calling during off-peak hours (early morning or late evening) 3. Contacting your school's financial aid office for guidance The new system has a learning curve, but once you understand the blue/black field system and the contributor model, it's actually faster than the old version.
I'm having the exact same issue with my son's account right now! Been locked out for about 10 days. What worked for me was calling the FSA technical support line (not the main number) at 1-800-433-3243, option 7. Got through after only 20 minutes and they confirmed there was an "account verification hold" that wasn't visible to me but was blocking login. They manually removed it and I could log in immediately after. Definitely mention your daughter is a student athlete with an urgent scholarship timeline. They prioritized my son's case when I mentioned his music scholarship had a deadline.
THANK YOU for the specific number and option! I just called and although I was on hold for 45 minutes, I finally got through to someone who confirmed exactly what you said - there was a verification hold on our account. They removed it and I was able to log in right after the call ended! Now I can send the SAI to my daughter's school. You literally saved her summer housing situation!
UPDATE: Success! I used Claimyr this morning and got through to an FSA agent in about 20 minutes. Turns out both applications were held up because they couldn't match one of my W-2s to the IRS data (I had a job change mid-year). The agent manually verified everything and said the SAIs should appear within 3-5 business days. Just wanted to update in case anyone else runs into similar issues. Thanks everyone for your help!
Another thing to try - ask the financial aid office specifically which FAFSA year they're looking for. With the academic calendar crossing years, sometimes they look at the wrong aid year. Make sure they're checking for the 2025-2026 FAFSA and not 2024-2025.
just went thru this nightmare!! turns out my sons social security number was entered with a typo on his college application but correct on fafsa. school couldn't match them up. worth checking if any info is slightly different between systems.
Keisha Jackson
Am I the only one who thinks its INSANE that we're all just casually talking about going into tens of thousands of dollars of debt for EDUCATION?? The whole system is predatory. In most developed countries college is free or nearly free. Sorry but I had to say it.
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Dmitry Petrov
•Not insane at all - the cost of college is definitely frustrating. We've been saving since he was born and still need loans. But at this point, we're just trying to make the best decision within the system we have.
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Miguel Castro
To answer your follow-up question about finding the best private loan options for the remaining $8,750: 1. Compare rates from multiple lenders (Sallie Mae, Discover, CommonBond, SoFi, etc.) 2. Look beyond interest rates - examine fees, repayment options, and hardship policies 3. Consider whether you'll co-sign (this typically gets a better rate but makes you legally responsible) 4. Check if there are any state-specific education loan programs where you live 5. Ask if the lender offers interest rate reductions for automatic payments 6. Look for lenders that offer grace periods after graduation And definitely check with the school about payment plans as another commenter suggested - that can reduce how much you need to borrow!
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Dmitry Petrov
•This is extremely helpful! I didn't know about state-specific loan programs - I'll look into that for our state. I'm planning to co-sign since my son doesn't have much credit history yet. And yes, we're going to use the payment plan to reduce the loan amount needed.
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