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just fyi my neighbor had their kid emancipate right b4 college and they got TONS more aid that way. might be worth looking into legal emancipation if ur kids r 17
This is extremely problematic advice. Legal emancipation is a serious court proceeding that requires proving that parents are unfit or that the minor is completely self-supporting. Pursuing emancipation solely for financial aid purposes could constitute fraud. Courts don't grant emancipation for financial convenience - it's for situations where minors truly need to be legally separated from their parents. Please don't suggest this as a financial aid strategy.
After reading through all these responses, I think your best options are: 1. The strategy mentioned by the financial aid counselor about PLUS loan denial leading to increased unsubsidized loan eligibility for your children 2. Filing appeals for professional judgment at each school based on the multiple students in college and any other special circumstances 3. Looking into whether any of your children qualify for merit scholarships or outside private scholarships Remember that falsifying information on the FAFSA has serious consequences including having to repay all aid received, fines up to $20,000, and possible prison time. The schools and the Department of Education have sophisticated systems to detect fraud.
Thank you for summarizing. I would never want to falsify information - was just trying to understand the system better. The PLUS loan denial strategy sounds promising, along with appealing to the financial aid offices directly. I appreciate everyone's help!
Did you try contacting the Federal Student Aid Information Center directly? They should be able to fix this on their end. I know the wait times are ridiculous, but this seems like something only they can resolve if it's a system error.
We actually did try calling them once but gave up after being on hold for over an hour. I think I'll try some of these technical solutions first, and if none of them work, we'll have to bite the bullet and wait on hold again. Thanks for the suggestion though!
Hey, just checking back - did any of these solutions work for you? I'm curious because we're still seeing this issue pop up with other families at our center.
Yes! We got it to work finally! It was actually a combination of things. First, we had the mother double-check her FSA ID settings to confirm the "No SSN" box was checked. Then we completely logged out, cleared browser cache/cookies, and waited about an hour. When we tried again, we used ALL CAPS for her name as someone suggested. That finally worked! The invitation went through and she was able to contribute her information. Thanks everyone for all your help - this forum saved us!
My parents tried this when my dad retired early for health reasons. School basically told us tough luck, said they already gave out all their institutional funds. Be prepared for that possibility too. We ended up having to take out more Parent PLUS loans than we planned.
That's exactly what I'm worried about. Did your parents appeal that decision or was it just final?
If you run into problems, you might qualify for a dependency override too. Not sure of your exact situation, but worth looking into all options.
That's incorrect information. Dependency overrides are for unusual circumstances like abusive family situations, abandonment, or incarceration of parents. A parent's retirement does NOT qualify for dependency override. This would be handled strictly through professional judgment for a change in income. Please be careful about giving incorrect advice - it can waste people's time pursuing options that don't apply to their situation.
the same thing happened with my FAFSA three weeks ago!!! it finally got rejected yesterday and now i have to wait for my dad to put in his information. so annoying that they didnt make the system catch this error BEFORE submission
UPDATE: I called my daughter's school this morning and they were super helpful! They said they're seeing this issue with about 30% of applications and have a process to flag it with the Department of Education. They also assured me they won't penalize students for FAFSA processing delays as long as the initial submission was before their priority deadline. Such a relief! For anyone having the same problem, definitely call your school's financial aid office first.
Great news! Glad your school is being understanding about it. Ours was the same way - seems like most financial aid offices are aware of the FAFSA chaos this year.
lucky!! my school said they can't do anything to help and we just have to wait ðŸ˜
Ella Harper
Thank you all for the advice! I called the community college's financial aid office this morning, and they confirmed that only my boyfriend (her legal father) should be listed on the FAFSA since we're not married. They said to have him report zero income and be prepared to provide a written statement explaining how our household expenses are covered if they request verification. The counselor mentioned this happens frequently with blended families, so we shouldn't worry too much. I appreciate everyone's help with sorting this out!
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PrinceJoe
•That's great! Getting confirmation directly from the college's financial aid office is always the best approach. They're familiar with these situations and can guide you through any verification process if it comes up. Best of luck to your stepdaughter with her college journey!
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Brooklyn Knight
UGH why does the FAFSA have to be so COMPLICATED?? It's like they designed it to be confusing on purpose! And now with all the new changes to the 2024-2025 FAFSA it's even MORE confusing. Did your college say anything about the new SAI score vs the old EFC? I heard they're using a different formula now.
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Sophie Footman
•Yes, they've replaced the Expected Family Contribution (EFC) with the Student Aid Index (SAI), which uses a modified formula. For a household with a zero-income parent like in this case, the SAI will likely still be very low, possibly zero, which would maximize potential need-based aid. The main difference is that the SAI can actually go as low as -1500 in some cases, which wasn't possible with the old EFC system.
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