UPDATE: I just checked with a colleague in our financial aid office. There's a known system-wide glitch affecting students with any form of work-study income from the previous year. The system is incorrectly counting work-study earnings twice - once as income and once as financial aid received. Since you mentioned your daughter had a campus job, this could be the exact issue. The solution is to file a specific correction form called the "Income Adjustment Request" through her school's financial aid office. Bring documentation showing her work-study income specifically labeled as such. The school can submit this directly to bypass the system lock.

keep us updated on what happens! i'm sure other people will run into the same issue

I just wanted to circle back to your original question about loans not affecting YOUR credit. To be perfectly clear:\n\n• Federal Direct Loans (both subsidized and unsubsidized) are in your SON'S name only and won't affect your credit\n• They don't require a credit check\n• They offer income-based repayment options after graduation\n• They qualify for Public Service Loan Forgiveness if he works in qualifying jobs\n• They can be consolidated and have fixed interest rates\n\nThese are BY FAR the best option, but unfortunately, they're limited to that $5,500 freshman year amount.\n\nFor everything beyond that, either you take Parent PLUS (in your name, affects your credit) or your son takes private loans (likely needs you as cosigner, which affects your credit).\n\nThere's no perfect solution that meets all your criteria, but I would absolutely max out the Federal Direct Loans first, then consider a combo of payment plans, work-study, and possibly Parent PLUS for the smallest amount possible.

Thank you for breaking this down so clearly! I definitely understand better now. It sounds like we should focus on maximizing all other options (scholarships, payment plans, work-study) to minimize what we need to borrow beyond the Federal Direct Loans. I appreciate everyone's help - this process is so much more complicated than I expected!

wait my fasfa says i need to fix somthing too but i cant figure out what?? where is this SAI report thing everyone is talking about?

UPDATE: I finally figured it out! For anyone with the same problem - I logged into my son's account, clicked on his FAFSA application, then found a small link that said "View Student Aid Index Report". The PDF had a section called "Items Flagged for Review" which showed we had entered conflicting information about our mortgage interest deduction. Plus I had to sign again as the parent contributor. Thank you all for your help! Now I just hope we haven't missed any important deadlines...

One final note: If your daughter's financial situation has remained consistent, she should still be eligible for similar Pell Grant funding. However, remember that the total Pell eligibility is limited to the equivalent of 12 semesters (or about 6 years) of funding throughout her undergraduate career. The system automatically tracks this, but it's good to be aware if she's planning to take more than 4 years to complete her degree.

does anyone know if they fixed those glitches from last years FAFSA? my parents had to retry like 6 times to get linked to the IRS data!!!!

also check fastweb.com for scholarships! my son got a $2500 one from some random company that literally only had like 30 applicants. most people just dont bother applying to the smaller ones

Don't forget to complete the CSS Profile if Norfolk State requires it. Many private scholarships and institutional aid programs require this additional form. It's more detailed than the FAFSA and can sometimes help identify additional need that the FAFSA's SAI calculation misses. Also, has your daughter received her admission letter only, or a complete financial aid package? Sometimes the initial acceptance doesn't include all potential scholarships - those might come in a separate communication.