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Also make sure they put in the correct Asset Net Worth and don't include their primary residence in that amount!!! I see SO MANY FAFSA forms where people accidentally include their home value and it totally messes up their SAI (Student Aid Index) calculation. The system doesn't catch this error and it can make it look like they have WAY more assets than they really do for aid purposes.
Illinois has a FAFSA priority date of December 1st for state aid through the MAP Grant program, so they've already missed that for full consideration. However, they should still complete it ASAP as MAP Grants are awarded until funds are depleted. For citizenship documentation, they need: - Dates of citizenship for both student and parent - Alien Registration Numbers (if they had them before citizenship) - Be prepared to provide copies of naturalization certificates if selected for verification One more tip: When entering the parent's information, she should use EXACTLY the same name as it appears on her Social Security card. Any discrepancy can cause processing delays.
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!
This whole system is RIGGED against families trying to do the right thing!!! My husband and I actually postponed our wedding for 2 years because of FAFSA implications for his kids. The whole time I felt like we were being PUNISHED for wanting to get married! Why should the government basically force people to choose between marriage and affordable education for their kids? It's absolutely INSANE that getting married can cost your children tens of thousands in financial aid!!
To clarify something important regarding the wedding timing: Your 2026 income would indeed affect aid for the twins starting in their 2028-29 freshman year, as FAFSA uses prior-prior year tax information. If you're married in 2026 or earlier, your income will be counted on their freshman year FAFSA. However, if you wait to marry until 2027, your income wouldn't impact their financial aid until sophomore year. This could be a compromise approach - not delaying marriage until after college, but postponing it just enough to give them one year of potentially higher aid. Regarding your original question about assets vs. income: With $320K in non-retirement assets plus a vacation property, your fiancé's assets are substantial. After the Asset Protection Allowance (which is quite low these days, often under $10K for parents in their 40s-50s), the remaining assets are assessed at 5.64%. Basically, a rough estimation shows his assets might already be adding approximately $17,000-18,000 to their SAI. Your additional income could add considerably more, potentially pushing them well beyond the threshold for need-based aid at many public universities. I'd recommend consulting with a financial aid professional who specializes in divorce/remarriage situations to get personalized guidance.
Thank you for breaking down those numbers. It sounds like his assets are already creating a significant impact, but my income would make things even worse. The 2027 marriage compromise is an interesting idea - that would give the twins at least their freshman year with potentially better aid packages. I think we need to sit down with a financial aid consultant to work through all the variables.
Quick update based on recent posts: There have been widespread technical issues with the 2024-2025 FAFSA processing system. I've heard from multiple families experiencing similar reprocessing notifications. The Department of Education acknowledged these issues in their March bulletin. If your FAFSA was processed in February, you're actually ahead of many applicants despite this hiccup. Most schools are well aware of these processing delays and many have extended their financial aid deadlines accordingly. I'd recommend asking specifically if your daughter's school has any deadline extensions in place due to the FAFSA processing issues.
Zara Ahmed
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.
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ShadowHunter
•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.
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Sean O'Connor
•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.
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Ravi Sharma
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!
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Omar Hassan
•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?
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Ravi Sharma
•It took almost a week of trying different solutions. The most frustrating part was that there were no error messages pointing to the problem! Just endless looping. Hopefully they fix this before the next application cycle.
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