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I remember when the SAI was called the EFC (Expected Family Contribution). Does anyone know if they calculate these differently now? My daughter's SAI seems way higher than what we expected based on our income.
Yes, there are some differences between the old EFC and the new SAI calculation. The SAI can actually go as low as -1500 (which wasn't possible with EFC), but they also adjusted some of the protection allowances and assessment rates. In general, middle-income families might see a higher SAI than they would have had with the EFC, while some lower-income families might benefit from the changes. If yours seems significantly off, there might be an error in the application data.
Update: We used Claimyr to get through to an FSA agent this morning, and they confirmed we need to submit the missing W-2 form. Apparently, when there's a discrepancy between reported income and tax documents, they hold the SAI calculation. The agent told us to upload the document through the portal and that it should be processed within 3-5 business days. We've also contacted our daughter's top choice schools to let them know about the delay. Thanks everyone for your help!
Something nobody mentioned yet - make sure you both have your Social Security numbers, tax information (2023 taxes for the 2025-26 FAFSA), and bank/investment information ready before December 1. The new FAFSA is supposedly easier, but you still need all your financial documents. They calculate the Student Aid Index (SAI) from this information which determines aid eligibility.
That's really helpful too! I'll start gathering all that information now so we're prepared. Is there a checklist somewhere of everything we'll need?
Yes, studentaid.gov has a checklist under "Applying for Aid" section. You'll need 2023 tax returns, W-2s, current bank statements, investment records (except retirement accounts), and records of untaxed income. The new FAFSA directly imports tax data from the IRS if you consent, which simplifies things considerably.
Just wait until you actually try to fill it out. My daughter's 2024-25 FAFSA was a COMPLETE DISASTER. Multiple crashes, lost information, and the new simplified SAI calculation actually gave us LESS aid than the old EFC system. And don't get me started on the CSS Profile some private schools require ON TOP of FAFSA. Absolute nightmare.
Oh no, that sounds awful! I'm getting more nervous now. I hope they've fixed some of those issues for this year's application!
The Federal Student Aid office has actually made several system improvements for the 2025-26 cycle based on feedback from last year's problems. They've expanded server capacity and simplified some of the more problematic sections. While no system is perfect, there should be fewer technical glitches this time around.
NOBODY TOLD ME federal aid doesn't work overseas!! my daughter is also going to school in England next year and we already did all the FAFSA stuff and she got offered a pell grant. are you saying she can't use that money??? this is so frustrating why doesn't the FAFSA site make this clear?!?!
Unfortunately, that's correct. Federal student aid (including Pell Grants) can only be used at eligible institutions, and very few foreign universities participate in the Federal Student Aid program. The FAFSA site does mention this in their FAQ section, but it's not prominently featured in the application process itself. I'd recommend: 1. Check if her specific UK university is on the Federal School Code List (unlikely but possible) 2. Look into private loans designed for international study 3. Research UK-specific scholarships for international students 4. Contact the international student office at her chosen university for funding options Sorry you're just finding this out now. It's a common point of confusion.
I'm so stressed about this exact situation! My twins are both applying to colleges in the US and Canada, and I have no idea how to handle the FAFSA. Do I need to submit separate applications? Does Canada even use FAFSA? What happens if one goes to the US and one goes to Canada? Will it mess up their financial aid if I included both countries' schools? The FAFSA website is so confusing about international stuff!
Deep breath! This is manageable. Here's what you need to know: 1. Submit one FAFSA per student (one for each twin) 2. Canadian schools generally don't use FAFSA (they have their own financial aid systems) 3. On each FAFSA, list all the US schools they're applying to 4. If one twin attends a US school and one attends a Canadian school, it won't affect each other's aid The twin attending a US school can use their FAFSA for federal aid. The twin attending a Canadian school likely can't use federal aid unless their specific Canadian institution participates in the US federal aid program (very few do). I recommend contacting each Canadian school directly to ask about their financial aid process for US students.
UPDATE: I took the advice from this thread and managed to get through to someone at FSA using that callback service someone mentioned. The agent was actually super helpful and confirmed there was an error in how my dependency override was processed. They're expediting a correction and said it should be updated in 5-7 business days. \n\nI also went to my school's financial aid office in person (thanks for that suggestion) and they issued me a temporary housing authorization while we wait for the SAI recalculation. Apparently lots of students are having similar issues this year.\n\nThanks everyone for the help! Still ridiculous it took 5 months for an email response though.
Great to hear! Make sure to follow up if you don't see the correction in 7 days - sometimes you need to keep pushing. And for anyone else reading this thread with dependency override issues, remember that you need to resubmit your override documentation each year. The override doesn't automatically carry forward, even though many other FAFSA elements now do.
Ava Martinez
when this happened to my roommate he just stared a new fafsa application using a different email address for his fsa id. got approved faster than dealing with customer service
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Fatima Al-Maktoum
•This is absolutely NOT recommended and could cause serious problems. Creating multiple FSA IDs or submitting multiple FAFSAs is flagged in the system and can trigger a fraud investigation. Always work through the official correction process.
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Amara Oluwaseyi
UPDATE: I finally got through to someone at Federal Student Aid! Had to call super early (6:30am) to avoid the wait times. They explained my mom accidentally submitted the FAFSA as if she were a single parent household, but they're unlocking the application so both parents' information can be included. Should be fixed within 3-5 business days. They said this happens ALL THE TIME with the new FAFSA format. Thank you everyone for your help and suggestions!
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CosmicCaptain
•Great news! Glad you got it resolved. When the correction processes, your school should receive the updated information automatically, but I'd still follow up with your financial aid office in about a week to make sure they have the correct SAI calculation.
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Amara Oluwaseyi
•Will do! They told me the corrected SAI should be available within 5 days after the processing completes. Fingers crossed this doesn't affect my aid package too much!
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