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Wait why r u even doing a fafsa for just 3 credits?? wouldn't it be cheaper to just pay out of pocket than deal with all this and end up with more loans??? just curious
To answer your earlier question about other major changes: Yes, there are several other big differences in the new FAFSA: 1. Fewer questions overall (about 36 instead of 108) 2. More students qualify for maximum Pell Grants now 3. Family size and number of college students are weighted differently 4. They automatically import tax data from IRS (which is actually helpful) 5. You no longer report small businesses and family farms as assets The most confusing part is probably the new Student Aid Index (SAI) calculation, which replaced EFC. It can now go negative (down to -$1,500) unlike the old EFC which bottomed at $0. This actually helps more students qualify for need-based aid.
Maybe this is a stupid question but what exactly is the SAI and why is it so important? My daughter is filling out her FAFSA next week and I'm trying to understand this whole system. Is the SAI what determines how much aid she'll get?
The SAI (Student Aid Index) replaced the old EFC (Expected Family Contribution) in the 2024-2025 cycle. It's a number that colleges use to determine your financial need and eligibility for different types of aid. Lower SAI = more need-based aid eligibility Higher SAI = less need-based aid eligibility It's important because it's used by every college to create their financial aid packages. The SAI itself isn't the final amount you'll pay - each school uses it differently in their calculations.
Update: We just got the SAI this morning - took exactly 9 days from when I completed the parent section. For anyone wondering, we received an email notification with a link to log in and view the SAI. Now my son has to make sure all his colleges receive it. Thanks everyone for your help!
My daughter had the same issue last week! I ended up calling her school and they extended her deadline by 10 days because so many people were having problems. definitely worth asking about! good luck!!
Just an update - the site appears to be working normally now. I was able to log in and access everything without any delays. Might want to try again when you have a chance!
Thank you all for the helpful information! I'm going to start working on the FSA IDs today for both of us. I'm also going to make a list of all his potential schools and research their deadlines. So stressed about our income change situation, but at least now I know to contact the schools directly about that. Appreciate all the advice!
You're on the right track! One more tip: when you create the FSA IDs, write down all the information including the challenge questions and answers somewhere secure. If you forget the FSA ID password, those challenge questions will be crucial for recovery. Also, don't use the same email address for both FSA IDs - each person needs their own unique email.
Dmitry Popov
This happened to me too!!! I was sooooo upset because I definitely clicked through everything and got the confirmation number! I ended up waiting about 2 days and then when I logged back in there was a big obvious button to complete my signature. After I did that part I got ANOTHER email saying it was now complete and submitted properly. The whole process took like 4 days total.
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Liam Fitzgerald
•That's exactly what I needed to hear - thank you! I'll keep checking and look for that signature button. Did your SAI calculation come pretty quickly after that final signature?
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Dmitry Popov
•Yes! Got my SAI calculation about 5 days after signing. One thing though - make sure you check the STATUS section of your FAFSA dashboard, not just the main page. That's where my signature button appeared.
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Amara Nnamani
To clarify for everyone having this issue: The 2025-2026 FAFSA now has a two-stage submission process: 1. Information submission (generates confirmation number) 2. Processing period (1-3 days typically) 3. Electronic signature (becomes available after processing) 4. Final processing (generates SAI and sends to selected schools) The confusion happens because people think the first confirmation means everything is complete, but it's not. Watch for the signature button after processing and make sure to complete that step within 14 days of your initial submission.
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Liam Fitzgerald
•Thank you for breaking it down so clearly! I'll keep watching for the signature button to appear after processing. This makes much more sense now.
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