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The FAFSA system gets incredibly bogged down in September and October. Their servers simply can't handle the traffic volume during peak filing season. I've been through this four times with my kids! One trick that hasn't been mentioned: try accessing the site using your phone's cellular data instead of your home wifi. Sometimes ISP routing or security settings can interfere with certain government websites.
UPDATE: IT WORKED!!! Combination of things that finally got me through: using Chrome incognito mode + creating a brand new email + manually typing all fields (no autofill) + using my phone's hotspot instead of home wifi. Plus I did it at 5:30 AM when server traffic was probably low. THANK YOU ALL for your suggestions! Now on to actually completing the FAFSA itself... 😅
After you appeal, make sure to ask about payment plans too. Many schools offer monthly payment options that can make the out-of-pocket portion more manageable than paying each semester. And always be careful about loans - federal loans have better protections than private ones.
Update: I called the financial aid office today and got a counselor who was actually helpful! She said they might be able to convert one of the unsubsidized loans to a grant based on our circumstances, and suggested I submit a formal appeal letter detailing our specific financial constraints. She also mentioned they have some departmental scholarships I could apply for as a biology major. It's still going to be a stretch financially, but potentially more manageable if the appeal works. Thanks everyone for your advice!
That's great news! The financial aid appeal process can work - it's just not advertised. Make sure your appeal letter is specific about exactly how much more aid you need and why. And definitely apply for those departmental scholarships right away as they often have separate deadlines.
This information isn't accurate. The issue isn't that FAFSA "doesn't help" - it's that FAFSA itself isn't designed to handle appeals. The Federal Student Aid office calculates your SAI based on the information provided, but it's the individual schools that have the authority to make adjustments based on special circumstances. So your appeal should always go to the schools, not to FAFSA directly.
One more important point: make sure you document the specific dates of your unemployment period (7.5 months in 2023) and calculate the total income difference between 2022 and 2023. Financial aid offices appreciate when families provide clear, organized information that shows exactly how significant the change was. Some offices even have specific income threshold changes they look for (often 20% or more) to qualify for adjustments.
Just as an update - the Department of Education actually issued a formal apology about those erroneous forgiveness emails. They've implemented new verification procedures to prevent similar mistakes. I want to address a misconception I'm seeing in this thread - Parent Plus loans DO have some flexibility, but you need to be proactive. After consolidation into a Direct Consolidation Loan, you can access Income-Contingent Repayment (ICR), which caps payments at 20% of your discretionary income. It's not as generous as the plans available for student borrowers, but it's something. Also, check if you might be eligible for the SAVE plan, which has replaced REPAYE for many borrowers and can offer better terms depending on your situation.
Thank you for mentioning SAVE - I hadn't heard of that replacing REPAYE. Is there a specific place to check eligibility for Parent Plus borrowers? The studentaid.gov site is so confusing to navigate.
One important distinction to make: Parent Plus loans themselves aren't directly eligible for the SAVE plan. However, once you consolidate them into a Direct Consolidation Loan, you can use the Income-Contingent Repayment plan, which is different from SAVE but still provides some income-based relief. The studentaid.gov site has a loan simulator tool that can help you see what your payments might look like under different plans. You'll need to log in with your FSA ID. If you're having trouble navigating the site or understanding your options, calling FSA directly is your best bet for personalized guidance.
Julian Paolo
Here's an important update that wasn't mentioned in the podcast: The Department of Education just announced they've processed over 3.5 million FAFSA forms as of last week, which is significant progress compared to where they were a month ago. They're now processing approximately 250,000 forms per week. If your daughter submitted her FAFSA within the past 6-8 weeks, there's a good chance it will be processed soon. The SAI (Student Aid Index) calculations are being sent to colleges in batches, and colleges typically need 1-2 weeks after receiving the SAI to prepare aid packages. Regarding the May 1st deadline - the National Association for College Admission Counseling (NACAC) has officially requested all colleges extend their deadlines. Most are complying, even if they haven't updated their websites yet. You have legitimate grounds to request extensions from any school that hasn't received your FAFSA data.
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Katherine Ziminski
•This makes me feel a bit better. We submitted in early March, so hopefully we're in one of the upcoming batches. I'll definitely mention the NACAC recommendation when I call the schools. Thank you!
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Vanessa Chang
my sons freinds dad works at a college and said ALOT of kids aren't even bothering with FAFSA this year because of the mess. there gonna be like 40% less pell grants given out because of all this!!! government mess
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Lauren Johnson
•This is concerning but not entirely accurate. While FAFSA completion rates were down 40% earlier this year, they've recovered somewhat (now down about 25% year-over-year). The Department of Education has confirmed that all Pell Grant-eligible students will still receive their grants - the issue is timing, not eligibility. I strongly recommend everyone complete the FAFSA despite the challenges, as billions in aid remains available.
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