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i always do semester loans bc i sometimes take summer classes and it's easier to keep track of which loan is for which term but that's just me lol
One more consideration: if you're uncertain about whether you'll attend both semesters (perhaps due to an internship opportunity, study abroad, or other reasons), semester loans give you more control and prevent overborrowing. Just remember that each semester loan will have its own origination fee (around 1.057% for Direct Loans in the 2025-2026 award year), but that's applied regardless of how you structure the loans.
One more important detail: document EVERYTHING going forward. Take screenshots of your online account showing the incorrect amount, save copies of all communications, and keep a log of every phone call (date, time, representative name, and what was discussed). This documentation will be crucial when you escalate to the FSA Ombudsman or CFPB. Also, when you call FSA directly, ask specifically for a "servicer escalation specialist" rather than just speaking to the first representative. The specialists have direct lines to management at the servicers and can often resolve these issues in days rather than weeks or months.
This is excellent advice. Documentation is absolutely critical. I'd add that you should send follow-up emails after phone calls summarizing what was discussed and agreed upon. This creates a paper trail that's invaluable if things continue to go sideways. One additional tip: if FSA does open a case, you'll get a case number. Use this in ALL future communications with both FSA and your servicer. It helps track the issue through their systems and prevents you from having to re-explain the situation repeatedly.
wait do we have to reapply for SAVE every year like we did with IBR?? I just got on it and no one told me anything about recertification
Yes, you do need to recertify your income annually for SAVE, just like with IBR/PAYE/REPAYE. However, starting in July 2024, if you use the IRS Data Retrieval Tool and consent to automatic income information sharing, the recertification should happen automatically without you having to manually resubmit documentation each year. But for now, mark your calendar for recertification about 2-3 months before your anniversary date of entering the plan.
ok everyone keeps saying this is normal but MY COUSINS FAFSA got totally rejected after getting one of these emails!!!! they had already gotten a big aid package from State and then after this "verification" their SAI went up by like $8000 and they lost a grant!!!
That situation is different - it sounds like your cousin's FAFSA had incorrect information that was caught during verification. If you use the IRS Data Retrieval Tool and report all income correctly, verification won't change anything. The only time SAI numbers change dramatically is when there's unreported income or incorrect figures on the original application.
Any updates??? Did those suggestions work for you? I'm still stuck in FAFSA limbo over here and getting more desperate by the day. My school's final deadline is May 1st.
YES!! IT WORKED! I followed the advice from @profile2 with the incognito mode in Chrome plus using my phone hotspot instead of wifi. The submission finally went through last night! Got the confirmation email and everything. Try that exact combination - it seems like the wifi network might have been part of my problem all along.
Glad to hear you got it working! For anyone else with this issue, I should add that the Education Department announced yesterday they've extended priority deadlines specifically because of these technical problems. Most schools are being flexible with the FAFSA deadlines this year due to the well-documented system issues. If you're still struggling, bring documentation of your attempts to your financial aid office - screenshots of errors, dates of support calls, etc. Many schools have processes for manual verification when students have made good-faith efforts to submit.
Sadie Benitez
everyone talks about appealing but does it actually work? seems like colleges just want to get as much $ as possible from us parents...
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Vanessa Figueroa
•Appeals absolutely do work, especially for situations like this where there's likely an error or special circumstance not captured by the standard formula. Financial aid offices have significant discretion through Professional Judgment. I've seen SAI/EFC numbers reduced by tens of thousands of dollars when families provide proper documentation. The key is being persistent, thorough, and working directly with each school's financial aid office.
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Noland Curtis
UPDATE: I went through our FAFSA application line by line and found the problem! When entering our assets, I mistakenly included our entire retirement savings ($175k) as regular investments instead of marking them as retirement accounts. I just submitted a correction through the studentaid.gov portal, and according to the estimate calculator, our SAI should drop to around $12,000 - which is still tight but at least within the realm of possibility with loans and work-study. I'm also going to follow the advice about appealing for professional judgment at my daughter's top choice schools. THANK YOU all for helping me figure this out! I've been losing sleep over this for weeks.
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Diez Ellis
•wow thats HUGE difference!! so glad you caught that error. definitely gives me hope - gonna double check our application tonight
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Drew Hathaway
•That's excellent news! The retirement asset misclassification is actually one of the most common FAFSA errors, and it has a massive impact on the SAI calculation. The $12,000 figure sounds much more in line with typical expectations for your income level. Once the correction processes (which typically takes 3-5 business days), I'd recommend following up with the financial aid offices at your daughter's schools to make sure they're using the corrected information.
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