


Ask the community...
Don't overlook community college for the first two years!! My daughter did her gen eds at community college while living at home, then transferred to her dream school for junior/senior years. Saved us over $40,000 and she's graduating with the EXACT SAME DEGREE as her friends who went there all four years. The payment plan was actually manageable for community college because the base cost was so much lower.
After reviewing your situation more carefully, here's what I would recommend: 1. First, check if your school offers an extended payment plan option. Some schools have 5 or 6-month plans that can lower the monthly amount. 2. Consider the hybrid approach someone mentioned - perhaps $1,000/month on the payment plan and a smaller Parent PLUS loan for the remainder. 3. Make sure your daughter has maximized her Direct Subsidized/Unsubsidized loan eligibility before you take on any Parent PLUS debt. 4. Remember that Parent PLUS interest begins accruing immediately after disbursement, not after graduation like some student loans. 5. If you do choose the Parent PLUS route, consider making interest-only payments while your daughter is in school to prevent the balance from growing. The most cost-effective approach is usually the payment plan, but it has to be realistically affordable for your monthly budget. No point in committing to payments you can't make.
Thank you so much for the detailed advice! She has already accepted her max subsidized/unsubsidized loans ($7,500 for the year since she's a first-year student). I think we're going to try the hybrid approach - some on the payment plan and a smaller Parent PLUS loan. I didn't realize interest starts accruing immediately on the PLUS loans, so that's really good to know. I'll definitely make at least interest payments while she's in school.
This is MY THIRD YEAR dealing with FAFSA and every single year there's some new ridiculous problem. Last year I couldn't link my tax info and the year before my daughter's school couldn't download the information. The whole system is a JOKE. Whoever designed this electronic process should be fired. The paper form at least WORKS even if it takes longer. And you can make photocopies before you send it in case they "lose" it (which happened to my friend's son last year).
While I understand your frustration, the electronic system does work well for the vast majority of users. This year has been particularly challenging due to the complete overhaul of the FAFSA system with the FAFSA Simplification Act implementation. The paper form actually has a much higher error rate than the electronic version because it lacks the built-in error checking of the online system, which is why processing takes longer.
Update: I tried several of your suggestions and finally got it working! I did three things that seemed to make the difference: 1. Logged in directly to studentaid.gov instead of using the email link 2. Went to the Action Items section where I found the pending signature 3. Used my phone on mobile data instead of my home wifi The signature went through! No more red error message. Our FAFSA is finally submitted after months of frustration. Thank you all for your help. Special thanks to the financial aid administrator who suggested the different network - that seems to have been the key factor.
That's fantastic news! So glad you got it working. The FAFSA system can be so finicky sometimes. Make sure to save the confirmation page and screenshot your submission confirmation. I always tell people to keep records of everything with FAFSA just in case!
Financial aid advisor here - this is a known issue with the FAFSA system after certain types of corrections. Here's what's happening behind the scenes: When you make a signature correction, the system temporarily removes your application from the visible dashboard while it processes the change and recalculates your SAI. This is different from regular corrections where data remains visible. Specifically for signature-only corrections: - The processing typically takes 48-72 hours - Your confirmation emails remain valid proof of submission - Your school's financial aid office can still see your FAFSA in their system - Once processing completes, your information will reappear If you're on a deadline for your school, contact your financial aid office directly and explain the situation. They can verify they have your FAFSA data even if you can't see it on your dashboard.
Thank you SO much for this detailed explanation! This makes me feel so much better. I have a financial aid deadline next Friday so I was panicking. I'll give it the 72 hours before trying anything else.
UPDATE: My information is back!!! Just logged in and everything's showing normally again. Looks like it was just the system processing like everyone said. Thanks for all the help and reassurance everyone! For anyone who has this happen in the future - just wait it out for a couple days before panicking!
Great to hear! This is exactly why I recommend waiting the full 72 hours before taking any drastic actions. The FAFSA system has many quirks, but data rarely gets permanently lost.
One more important thing to remember: The 2025-2026 FAFSA asks for 2023 tax information. Since your dad is the contributing parent, he'll need to have his 2023 tax return information ready when completing his portion. Also, if your dad has remarried, his current spouse's information will need to be included too, even if they won't be helping pay for your education.
tbh i think its weird that they make kids reveal all this financial stuff about their parents. like what if ur parents dont want to share their tax info with u? my friend's dad refused to give his info and she nearly couldn't get financial aid at all.
That's actually a common concern. In cases where parents refuse to provide information, students can potentially file a Dependency Override Appeal with their college's financial aid office. It doesn't automatically grant independent status, but it allows financial aid administrators to evaluate the situation. Documentation of the parent's refusal is important in these cases.
Carmen Diaz
its not worth the risk to lie on fafsa just to get more money. my cousins friend got caught and the kid lost all financial aid and had to pay everything back
0 coins
Yuki Tanaka
•Oh, I definitely don't want to provide false information! I just want to make sure we're following the rules correctly. If she legitimately spends more time with her father, I want to make sure that's reflected accurately.
0 coins
Sophia Nguyen
One important thing to consider - if you do need to correct the FAFSA to list her father instead of you, do it ASAP. Many schools have priority deadlines for financial aid, and late FAFSA corrections can sometimes mean less institutional aid, even if the federal aid increases. Also, be prepared for the verification process to take 3-4 weeks, sometimes longer with the new FAFSA system delays.
0 coins
Yuki Tanaka
•That's a really good point about timing. Her school's priority deadline was February 1st, but they said they're still processing financial aid packages through April. I'll try to get this figured out this week.
0 coins