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One additional important note: The 2025-2026 FAFSA uses the streamlined formula with the Student Aid Index (SAI) replacing the old EFC. For your bankruptcy situation, this means: 1. The base FAFSA still won't account for your bankruptcy payments 2. The changes mostly affect how parent income and assets are assessed 3. The professional judgment process still works the same way (schools have authority to adjust data elements) Make sure you're ready to file when the FAFSA opens (December 1st) and then IMMEDIATELY begin the professional judgment process with each school. Don't wait until aid offers come out.
Thanks everyone for the helpful advice! I'm going to: 1. File FAFSA with just my and my current husband's information 2. Prepare a complete bankruptcy documentation package 3. Contact each school's financial aid office about their professional judgment process 4. Submit all documentation before their deadlines 5. Follow up to confirm receipt and processing And if I have trouble reaching FSA, I'll definitely try that Claimyr service. This is all so much more complicated than I expected, but at least now I have a plan.
The new FAFSA is a complete disaster. My daughter lost thousands in institutional aid because we couldn't submit on time due to these exact technical issues. The government had THREE YEARS to prepare the new system and yet here we are with these basic functions not working. And good luck getting help - the phone lines are a joke. This will end up hurting the most financially vulnerable students who don't have parents with time to troubleshoot these ridiculous problems.
I totally agree. The 'simplified' FAFSA is anything but. My son almost missed his school's priority deadline because of these glitches. The schools need to be more understanding about these delays that are completely out of our control.
For what it's worth, many institutions are aware of these widespread technical issues and have adjusted their internal deadlines accordingly. If you were unable to submit by a priority deadline due to documented FAFSA technical problems, I strongly encourage contacting the financial aid office directly with documentation of your attempts. Many schools are making case-by-case accommodations this year.
UPDATE: I finally got it working! For anyone else stuck in this loop, here's what worked for me: 1. I followed the advice about entering zeros in ALL asset fields (even ones that didn't apply to me) 2. I removed all commas and dollar signs from every financial field 3. I used an incognito browser window after clearing cache After doing all three, I was FINALLY able to get to the signature page and complete the submission. My son's SAI calculation appeared about 2 hours later. Thank you everyone for your help with this frustrating issue!
Great news! Thanks for updating the thread with what worked. This will help others facing the same issue. If you don't mind sharing, how long did the entire process take from when you first started having the loop problem until final resolution?
THE ENTIRE FINANCIAL AID SYSTEM IS BROKEN!!!! My son's FAFSA was "missing" at two schools but "complete" at three others AT THE SAME TIME!!! How is that even possible?? It's all the SAME FEDERAL SYSTEM!!! Then we find out weeks later that the problem was the schools that couldn't "find" his FAFSA were looking under his SSN with a typo. BUT THEY NEVER TOLD US. We only found out because I physically went to the financial aid office and made them check. Check for typos in how they have your student listed!!!
Final recommendation: Email the financial aid office at the third school, include your daughter's full name, student ID if you have it, and date of birth. Explain that the FAFSA is complete with an SAI showing on studentaid.gov and that other schools have already processed it successfully. Ask if there's anything specific they need from you to complete processing. Sometimes a direct email gets better results than phone calls, and you'll have documentation of your communication efforts if there are any issues with deadlines.
Based on the 2025-2026 FAFSA guidelines, having the student begin the application is the technically correct approach. The student is the applicant (even if they're a dependent) and parents are considered contributors. The current FAFSA form was redesigned with this workflow in mind. Technically speaking, the student should: 1. Create their FSA ID (if they haven't already) 2. Start the FAFSA application using their FSA ID 3. Complete the student demographic section 4. Select their schools 5. Answer dependency status questions 6. Use the "Invite a Contributor" function to have parents complete their section Then the parent: 1. Receives the invitation 2. Logs in with their own FSA ID 3. Completes only the parent financial information section 4. Signs with their FSA ID Finally, the student returns to review everything and submit the completed application. Following this process reduces errors and confusion.
Thanks everyone for all your helpful responses! It's clear that having my daughter start the application first is the right approach. I'll make sure she initiates it and completes her sections before I jump in to help with the parent information. Really appreciate all the insights - especially about the communication going to her email and the importance of building ownership in the process. This community is amazing!
Liam McGuire
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???
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Dylan Wright
•No, schools cannot see which other institutions you've listed on your FAFSA. They only receive your financial information and SAI score, not your complete school list. Each school only knows that you've listed them, not any others you might have included. Your aid package from one school won't be affected by the other schools you're considering.
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Jamal Anderson
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!
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