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Just to clarify for everyone: The 2025-2026 FAFSA now includes the Student Aid Index (SAI) which replaced the old Expected Family Contribution (EFC). When reporting parent income, retirement contributions and distributions have specific guidelines. Contributions to retirement accounts generally don't affect your SAI calculation, while qualified distributions used for education expenses are treated differently from other withdrawals. The specific rule the OP needs to focus on is that income from retirement accounts shouldn't be reported as additional income if it was already counted in the AGI on the tax return.
This is exactly why this process is so frustrating! How is a 17-year-old supposed to understand all these tax and retirement details? Most adults don't even understand this stuff. The form should be way more clear about what to include and what not to include.
UPDATE: I was finally able to submit my correction today! The error message went away after 4 days. For anyone else dealing with this issue - just keep checking back every day. Now I'm just nervously waiting to see how much my SAI changes and if it will arrive in time for my school's aid packaging. Thanks everyone for your help and advice!
Great news! The correction typically takes another 3-5 days to process. Once that's complete, you'll receive an updated SAI. Remember to download your corrected Student Aid Report and notify your schools about the update.
Will do! I already sent emails to my top three schools letting them know about the correction. Fingers crossed this all works out!
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is anyone else getting different SAI numbers every time they check?? my first one was like $7820 but now its showing $8946??? like which one is it?? so confused
If your SAI is changing, it likely means either: 1. Corrections were made to your application 2. The system is still calculating your final SAI 3. There was an error in the initial calculation The most recent SAI displayed in your completed application is the one that will be sent to schools. If you didn't make any corrections yourself, I'd recommend contacting Federal Student Aid to ask about the discrepancy.
Update: I finally got through to someone at FSA! The agent confirmed my application IS submitted correctly and said the emails were sent due to a system glitch. Apparently this is happening to lots of people. She said to ignore the emails as long as my studentaid.gov account shows "processing" or "completed" status. Such a relief! My SAI finally appeared today too ($4,235). Thanks everyone for your help and suggestions!
How long did you wait on hold??? I've been trying to call them for 2 days and can't get through!
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One more thing to consider - make sure your daughter knows about the UC Transfer Admission Guarantee (TAG) program. If she goes to CC for 2 years and meets specific requirements, she can get a guaranteed admission to one of six UC campuses (Davis, Irvine, Merced, Riverside, Santa Barbara, or Santa Cruz). This wouldn't work for a 1-year transfer, but might be worth considering if she's worried about getting back into a UC. She should also check if her specific UC offers any special scholars programs for transfers. Some have special pathways for certain majors or partnerships with specific community colleges.
That's really helpful information about the TAG program. She was accepted to UC Santa Barbara, which I see is one of the TAG schools. That might give her some peace of mind knowing there's a guaranteed path back if she does the full 2 years.
btw your daughters eligible for unsubsidized loans too not just the subsidized ones! maybe another 5500 i think? ppl forget those sometimes. its still loans but might help with decision
That's correct. For first-year undergraduate students, the total federal loan limit is typically $5,500 for dependent students, with up to $3,500 of that amount in subsidized loans and the remainder in unsubsidized. Some students are eligible for more depending on their circumstances. The interest is the main difference - subsidized loans don't accrue interest while in school, unsubsidized start accruing immediately.
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this is why the whole system is so frustrating!! why cant everything just be connected automatically??? common app should just tell fafsa when you add schools. so dumb.
I was in your shoes last year! Added the school on FAFSA in February and everything worked out fine. One tip: after making the correction, wait 3 days then call the financial aid office at the new school to confirm they received it. Don't just assume the system worked. Better to be proactive!
That's good advice - I'll definitely follow up with them. I'm feeling much better about the whole situation now. Thanks everyone!
Emma Johnson
idk but we added schools on 4/22 and they showed up right away? maybe try deleting cookies or using different browser? just a thought
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Evelyn Kim
•I hadn't thought about trying a different browser. I'll give that a shot, thanks!
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Diego Fisher
Update for everyone following this thread - I just checked with a colleague who works in financial aid processing, and they confirmed there was a system-wide issue affecting school list updates during the first week of May. The good news is that despite the visual glitch in the FAFSA portal, the schools ARE receiving your information correctly in most cases. The Department of Education is aware of the issue and working on fixing the display problem. But as others have suggested, contacting the schools directly to verify receipt is the safest approach right now.
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Evelyn Kim
•Thank you so much for checking and providing this update! This is extremely helpful and gives me a lot of peace of mind. I'll still follow up with the schools but it's good to know this is a system-wide issue that's being addressed.
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Olivia Garcia
•OF COURSE there was a system issue the EXACT week I made my corrections too! 🤦♂️ Thanks for confirming what we all suspected - the entire system is fundamentally broken. Appreciate the inside info though!
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