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.

i went through this EXACT situation last year. ended up taking out private loans with sallie mae because the parent plus loan wasnt enough. now im paying 11.2% interest and its killing me. dont do what i did. cut costs where u can like ur doing. wish id been as smart as u.

One more suggestion that might help: Many schools have payment plans that let you spread the cost over 10-12 months instead of paying each semester in full. This can reduce the need for loans and give you more flexibility. The enrollment fee is usually around $50-75, which is WAY less than loan interest. Just ask the student accounts office about it - it's not always well advertised.

lol this is why im taking a gap year the fafsa is such a mess this time around. good luck!!!

Just to follow up on your question about timing - most schools understand the FAFSA transmission issues this year and are being flexible with their internal financial aid deadlines. However, it's still best to be proactive. Contact each school's financial aid office this week, provide the verification that your FAFSA is processed (screenshots), and ask them to manually retrieve the data. Also, double-check that your daughter's FSA ID is properly linked to her Social Security Number. Sometimes the DOB correction can cause authentication issues if there's any mismatch with SSA records.

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.

lol welcome to the wonderful world of fafsa 😂 nothing ever works right with that system

Has anybody used ascent loans? i saw an ad for them saying they dont require cosigner for juniors and seniors with good grades. wondering if there legitimate or a scam

Since you're specifically asking about private loans after exhausting federal options, I'd suggest creating a spreadsheet to compare offers. Look at: 1) Total loan cost over the repayment period, not just the interest rate 2) Monthly payment amount during school vs. after graduation 3) Hardship options (some private lenders offer better forbearance terms than others) 4) Customer service ratings (crucial when issues arise) Also, many lenders offer pre-qualification that lets you check potential rates without a hard credit pull. This gives you a good initial comparison without affecting your credit score. One final consideration: some lenders have career support services, internship connections, and financial literacy resources for students. These added benefits might be valuable depending on your student's situation.