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One other important point: Even though your friend can submit FAFSA with just her information as the custodial parent, she should be prepared for the verification process. About 30% of FAFSA applications are selected for verification, and complicated family situations often trigger this. She should have ready: 1. Custody agreement documents 2. Tax returns and W-2s 3. Documentation showing where the student lived during the past year 4. Any court orders regarding financial support If selected for verification, she'll need to submit these to each college's financial aid office. Being prepared will prevent delays in her daughter's financial aid package.
make sure she does the right fafsa too! the new fafsa is confusing AF lol and the questions about which parent to include aren't super clear. i messed mine up the first time and had to redo it
Good point. On the new FAFSA, there's a specific section about parent household information. Your friend should indicate she's the custodial parent (where the student lived more than 50% of the time). The system will then only ask for her information. If she makes a mistake, she can go back and make corrections after submitting.
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!
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.
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.
Alice Coleman
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
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Lydia Bailey
•Those 3 credits still cost $3,800 at my school (plus fees), and I'm not in a position to pay that out of pocket right now. I was counting on at least getting unsubsidized loans to cover it. But you make a good point - if this drags on much longer, I might need to look at other options.
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Mateo Warren
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.
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Lydia Bailey
•Well, at least some of these changes sound positive. I'm still annoyed about the spouse FSA ID requirement, but I appreciate having a better understanding of what I'm dealing with. Hopefully we can get this resolved soon. Thanks for all the detailed information!
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