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my brother got ripped off by one of those private loan companies few years back... they had all these hidden fees and the interest was wayyy higher than they first said. make sure u read EVERYTHING before signing!!!!
Just wanted to add that when comparing private loan options, look beyond just the interest rate. Some important factors to consider: 1. Repayment flexibility - can you get forbearance if needed? 2. Death/disability discharge provisions (federal loans have these automatically) 3. Cosigner release options - how long until your cosigner can be removed? 4. Customer service reputation - check reviews from current borrowers Also, consider taking only what you need for this year rather than borrowing for multiple years at once. Your financial situation might improve, or you might qualify for more aid or scholarships next year.
These are really good points I hadn't thought about. I was just focusing on getting the lowest interest rate possible. I'll definitely look into the forbearance options and cosigner release timeline. And you're right - I'll just figure out this year for now and hopefully things will be better next year. Maybe I can find more scholarships or work more hours next summer.
Update: I finally got through the entire application! For anyone who might have the same problem in the future, what worked was: 1) Using the suggestion to enter the full date without pausing, 2) Using the TAB key instead of clicking between fields, and 3) Making sure I entered dates in MM/DD/YYYY format. After that, I had one more glitch on the signature page but managed to fix it by clearing my browser cache and cookies. Thank you all for your help - this community saved my sanity!
That's great news! And thanks for posting your solution - it will definitely help other parents facing the same issues. Just a heads up - you might want to check your SAI calculation once it's processed (usually takes 3-5 days). There have been some calculation errors in the new system, so it's worth comparing your SAI result against what your expected family contribution should be based on your financial situation.
My nephew had the same issue and we just ignored it bc his school said they had everything. But then he didn't get his full financial aid package and had to appeal!!! Turns out there WAS a problem with his FAFSA even though the school said they had it. Something about incomplete parent contribution info that didn't transfer right. So maybe double check everything to be safe?
This is a good point. While the warning itself is likely a display bug, it's always wise to verify all parts of the application were received correctly. Specifically check that: 1. The SAI calculation is complete 2. All parent contribution sections show as completed 3. All schools on the list confirm they received the FULL data package Sometimes schools receive partial FAFSA data, which can cause issues later in the financial aid packaging process.
Update: I finally got through to FSA after using that Claimyr service someone recommended (which actually worked surprisingly well). The agent confirmed it's definitely just a display glitch and our FAFSA is fully processed and properly transmitted to all schools. They said they're still working on fixing various UI bugs from the FAFSA Simplification rollout. For anyone else seeing this issue - if your SAI is calculated and your schools confirm receipt, you can ignore the expiration warning! Thanks everyone for your help!
Glad to hear you got confirmation! This is great information. The new FAFSA system is definitely still working through some growing pains. For future reference, always save confirmation numbers and screenshots of any "processed" status pages - they can be invaluable if questions come up later.
Thanks for updating us!! The whole system is SUCH a mess this year. My daughter's friend just got a completely different error saying her parents' tax info was missing when they definitely entered it. These glitches are giving everyone anxiety!!
Update: I was able to add University of Tampa to my daughter's FAFSA! It was actually pretty simple. I logged in with my parent FSA ID, clicked on "Make FAFSA Corrections" and then went to the school selection page. Tampa's school code is 001538. The FAFSA is now reprocessing but should be sent to Tampa in 3-5 days according to the confirmation page. Also, I checked their financial aid website and they do require the CSS Profile for merit scholarships, but not for need-based aid. Now I just need to figure out if we need to submit that too since she has pretty good grades. Thanks everyone for your help!
That's great news! Glad to hear it worked out smoothly. For the CSS Profile, if your daughter's GPA and test scores are competitive for Tampa's merit scholarships, it's probably worth completing. Merit aid can significantly reduce costs at private universities, sometimes making them comparable to state schools. The CSS Profile is more detailed but not terribly difficult if you have all your financial information handy.
Sean Flanagan
the whole fafsa system is a JOKE!!! I applied Dec 30 (literally the day it opened) and STILL processing. Meanwhile my roommate applied feb 1 and got her SAI in 10 days. HOW DOES THAT MAKE ANY SENSE?? The dept of education is completely incompetent and doesn't care that they're ruining students' futures. I've called 9 TIMES and can't get through to anyone. This is my last chance at affording college and they're screwing me over.
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Chloe Harris
ā¢I understand your frustration completely. One thing that might help: check if your application has any parent/contributor sections that are incomplete. We're seeing many early applications stuck because contributors haven't completed their sections or there's a mismatch in the tax information. The system doesn't always clearly notify you about these issues.
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Freya Andersen
Final update for anyone finding this thread later: My SAI finally came through this morning! Total processing time was 6 weeks and 5 days from submission. For those still waiting - try calling FSA directly as there might be hidden issues with your application that don't show up online. And definitely notify your schools about the delay - mine were all understanding and said they're seeing this with lots of students.
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CosmicCadet
ā¢That's great news! For others reading this thread, here's what we're consistently seeing with the 2025-2026 FAFSA processing times: ⢠Applications with parent/contributor sections: 4-8 weeks ⢠Applications with special circumstances: 6-10 weeks ⢠Applications with no complications: 2-4 weeks The Department of Education has acknowledged these delays and stated they're working on improvements, but students should plan accordingly for next year's cycle.
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