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After checking with my daughter's school about her summer classes, I found out there's another important consideration: federal aid annual limits! For example, if your daughter is eligible for $6,895 in Pell Grant for the entire 2025-2026 year, and uses $1,500 for summer classes, she'll only have $5,395 left for fall and spring combined. Same with loans - there's an annual borrowing limit. Make sure she's strategic about how she uses her aid throughout the full academic year!
Rita Jacobs
•this is such a good point!!! i wish someone told me this b4 i used up most of my aid for summer then had hardly anything left for fall 😠had to get a second job
Darcy Moore
my brohter did summer classes and the financial aid didnt come thru until like 2 weeks AFTER classes started!! so make sure u have $$ to cover costs until aid disbursement!! his school gave tuition extension but not for books or housing!!
Amun-Ra Azra
•Thanks for the heads up! That's definitely something we need to plan for. Did your brother's full aid package eventually come through?
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One more thing about merit scholarships - they're completely separate from need-based aid like the Pell Grant. Your daughter can receive both to their full amounts, which is great news! However, there is a concept called "meeting full need" that some colleges follow. If a college is committed to meeting 100% of demonstrated financial need, they calculate: Cost of Attendance - Expected Family Contribution (now called SAI) = Financial Need They then provide enough total aid to cover that gap. If they include merit scholarships as part of meeting that need, it can feel like they're "reducing" other aid, but they're really just putting together a complete package that doesn't exceed the calculated need. Only a small number of elite schools are "need-blind" AND meet full need without loans. Most schools will have a gap between aid offered and your calculated need.
Nathan Kim
•This is really helpful context - thank you! I hadn't heard about the "meeting full need" approach before. It sounds like we need to pay close attention to how each school structures their aid packages. Do you know if schools typically specify whether merit aid is counted separately or included when meeting need?
Lucas Turner
Forgot to mention - APPEAL YOUR AID if it's not enough! My son got an additional $3500 per year just by writing a polite letter explaining why we needed more help. Include any changes in financial circumstances since you filed FAFSA (job loss, medical expenses, etc). The worst they can say is no! Also, don't forget to do the CSS Profile if any of her schools require it. That's a separate form from the College Board that many private schools use in addition to FAFSA. It looks at assets differently and can affect institutional aid.
Kai Rivera
•Yes! Many people don't realize financial aid offers are negotiable! My daughter got an extra $5k just by showing them a better offer from a similar school. It's like buying a car - never take the first offer 😂
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Update on my situation: I finally got through the college selection page by adding schools one by one with a 2-minute wait between each selection. Painfully slow but it worked. The SAI calculation is working now too. Hope this helps!
Mei Chen
•Thanks for coming back with an update! I'll try the one-by-one approach tonight if the mobile app doesn't work. At least there's hope!
Mei Chen
UPDATE: We finally got through the college selection page! Combination of using the mobile app AND doing it at 6am this morning. Now we're on to the parent contribution section. Thanks everyone for your help and commiseration. For anyone else stuck on this - try early morning hours and the mobile app!
Excellent! Glad you found a solution. Just be prepared for possible slowdowns in the parent contribution section as well - that's another area where many users have reported issues. Best of luck with the rest of your application!
Amara Okafor
•congrats!! the parent section was actually easier for me than the college part, hope it goes smooth 4 u
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Update for everyone following this thread: The Department of Education just released guidance to financial aid offices about handling these SAI increases. Schools are being encouraged to use professional judgment to adjust aid packages for students whose SAIs increased solely due to the formula correction. Key points when contacting your schools: 1. Specifically mention the "SAI inflation adjustment recalculation" 2. Emphasize that your financial circumstances haven't changed 3. Ask if they're implementing the new guidance for professional judgment adjustments 4. Provide documentation of both your original and new SAI Most schools will be sympathetic to this situation since it wasn't your error.
Thank you so much for this update! This is incredibly helpful. I'll call all the schools tomorrow with this exact information. I really appreciate everyone's insights - this forum has been more helpful than any official communication we've received.
TechNinja
My niece had this exact problem and found out it was because of how they calculated my sister's retirement contributions after the adjustment. Something about the threshold for protected retirement assets changing. Might be worth looking into if you have any retirement contributions listed on your FAFSA.
That's interesting - we do have retirement contributions that we reported. I'll specifically ask about that when I call. Thanks for the tip!
Nia Harris
this happened to my sister too and she said her college finaid office helped her fix it without waiting for the web site to work. might be worth asking?
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Sean O'Brien
•Someone else suggested this too! I'm definitely calling them first thing tomorrow. Thanks!
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Sean O'Brien
UPDATE: We're finally fixed! I used the Claimyr service to get through to FSA without the endless hold times, and they were able to manually override the errors. The agent said they're seeing this issue constantly with the new system. For anyone else dealing with this - don't waste your time with the website if you've already tried multiple times. Just call FSA directly (use Claimyr to avoid the wait) and they can usually fix it within minutes once you get an agent. Our school's financial aid office also submitted a secondary correction request on our behalf. THANK YOU everyone for your help!
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Mateo Gonzalez
•Great to hear you got it resolved! For anyone else facing similar issues, I recommend documenting everything - screenshots of errors, dates/times of attempts, and any confirmation numbers you receive. This documentation can be crucial if you need to request deadline extensions from your schools due to FAFSA system errors.
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