my sister had this issue and it turned out she didn't complete the "additional financial information" section even though it didn't show as incomplete anywhere. check that section maybe? also does your SAI calculation show up anywhere? if not something is definitely still incomplete

glad u got it fixed!!! this happened to my cousin too last month. the whole system is a mess since they did that "simplification" update lol. made everything worse!

wait I'm confused...do schools see each others financial info when u add multiple schools??? like if i add both expensive private colleges and cheaper state schools, will they all see what other schools im applying to?? would that affect my aid package???

Thanks everyone for the helpful advice! I'm going to add my full 10 schools now, prioritizing the ones with earlier deadlines and my top choices. Then I'll swap out for the remaining schools after I get my SAI score. I'll also double-check which ones need the CSS Profile ASAP. Super grateful for all the guidance - this makes so much more sense now!

One important factor to consider is that Parent PLUS loans are solely in your name - not your daughter's. This means the debt is entirely your legal responsibility, regardless of any informal agreement you might make with your child about helping with payments after graduation. Some alternatives to consider: 1. Only borrow what you absolutely need each year. Many schools include recommended amounts that exceed actual required costs. 2. Look into tuition payment plans offered directly by the university that spread costs over 10-12 months instead of requiring full payment each semester. 3. Have a serious conversation with your daughter about less expensive college options. The difference between schools can sometimes be $10-20K per year, potentially saving you $40-80K total. 4. Consider a combination approach where you borrow less through Parent PLUS and your daughter takes more ownership through additional federal loans, part-time work, or merit scholarships.

Another consideration: if your daughter is studying in a field with public service opportunities, remember that SHE could potentially qualify for Public Service Loan Forgiveness on her federal direct loans after 10 years of working in eligible jobs. But YOUR Parent PLUS loans wouldn't qualify unless you yourself work in public service. If you do proceed with Parent PLUS, I strongly recommend only borrowing year by year rather than mentally committing to all four years upfront. Circumstances change, more scholarship opportunities arise, and sometimes students even decide to transfer or change their educational plans.

dont forget CSS profile too!! some private schools need that ON TOP OF fafsa and its different formula. my kid applied to 7 schools & 3 needed CSS plus other random forms. total mess.

One more important thing - make sure your twins check their email regularly (including spam folders). Many schools will email when aid packages are ready or if they need additional documentation. Also, if the May 1 decision deadline is approaching and you still don't have aid information from their top choices, you can request an extension. Most schools will grant a reasonable extension if the delay is due to pending financial aid information.

One thing I haven't seen mentioned yet - Parent PLUS loans can be eligible for Income-Contingent Repayment (ICR) if you consolidate them into a Direct Consolidation Loan. This can make monthly payments more manageable if you're struggling. Not a reason to take the loan necessarily, but good to know the option exists.

Update: I called my daughter's school and asked about payment plans. They offer a 10-month interest-free plan that would make our payments around $850/month. That's actually doable for us! So much better than taking on more debt. Thank you all for pointing me in the right direction!