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THIS IS WHY I TELL EVERYONE TO AVOID STUDENT LOANS!!! The whole system is RIGGED against borrowers!!! I had $45k in loans and they somehow ballooned to $68k even though I never missed a payment! These companies are PREDATORY and the government LETS THEM GET AWAY WITH IT!!!!
Quick update based on other responses: Since you confirmed these are federal student loans (not private), you have additional protections. Contact the FSA Ombudsman Group specifically - they're designed to resolve disputes between borrowers and loan servicers. Their contact info is: https://studentaid.gov/feedback-ombudsman/disputes/prepare Also, federal student loan servicers are required by their contracts with the Department of Education to maintain accurate credit reporting. This gives you additional leverage beyond just the FCRA protections.
One important detail that hasn't been mentioned yet: your daughter should also check if any of her schools require the CSS Profile in addition to the FAFSA. Many private colleges use both forms to determine aid. The CSS Profile goes through College Board (not studentaid.gov) and asks for more detailed financial information. If she hasn't completed that for schools that require it, her financial aid packages could be delayed or incomplete.
Yes, schools typically notify students if they require the CSS Profile, but these notifications can sometimes end up in spam folders or get overlooked in the flood of college emails. The good news is that many schools have late CSS Profile deadlines for exactly this reason. You can check which schools require it by visiting the College Board website. And don't worry too much - if it is required and she missed the deadline, contact the financial aid office immediately. Many schools are understanding and will still work with you, especially for incoming freshmen who are navigating this process for the first time.
my neice had something similarr with fafsa and she just went to the finacial aid office in person and they fixed everything right there!! maybe try that?
The financial aid office can help with many things, but they can't directly fix FAFSA account verification issues - that has to be resolved through Federal Student Aid directly. However, going to the financial aid office is still a good idea because they can note the account issue in your file and may extend institutional deadlines while you get it resolved.
Just wanted to update everyone! My daughter was finally able to get through to someone at FSA after using Claimyr (thanks for that recommendation!). The agent confirmed that her original submission date was still preserved, and they were able to expedite the verification process. Her account is now showing the SAI score, and she's already contacted her schools to let them know about the situation. They were all very understanding and said it wouldn't affect her aid consideration. So relieved this is finally resolved!
That's great news! Glad it worked out for you. It's such a relief when you can finally get through to someone who can actually help.
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.
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.
Amara Okafor
To address your specific error about the mother's SSN and birthdate not being processed: This likely happened because the system now requires the actual person (you) to enter and verify this information using your own FSA ID, not your husband entering it on your behalf. Our financial aid office has seen hundreds of these cases since the new FAFSA launched. Starting fresh with each person having their own FSA ID is the cleanest solution. And don't worry about the previous attempts - the system will recognize the newest submission as the valid one.
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Sasha Ivanov
•This makes so much sense now. I'll create my own FSA ID too. Do both parents always need to submit information, or can we choose just one parent to be the contributor?
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Amara Okafor
•If you're married and file taxes jointly, you'll generally designate one parent as the contributor, but both parents' income information will be reported on the FAFSA. The contributor parent will need an FSA ID to complete their section. If you file taxes separately, the situation might be different based on your specific circumstances.
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Liam Murphy
And FYI when ur son makes his FSA ID, make SURE he uses an email he actually checks!!! My daughter used some random gmail she never looks at and we missed deadlines cuz she never saw the notifications 🤦♀️
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Sasha Ivanov
•That's great advice, thank you! He has a personal email he uses for college stuff, so we'll make sure he uses that one.
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