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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.
Have you checked your credit report to see what's being reported there? That might help clarify things. If MOHELA is showing paid in full but DOE isn't, your credit report might show which version lenders are seeing. Really important to get this fixed if you're planning any major purchases in the near future.
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.
when i did my fafsa they just asked for my adjusted gross income from my taxes, not all the schedule c stuff separately? maybe its different for different people idk
You're right that the FAFSA asks for AGI from your tax return, but the system also looks at other forms like Schedule C for business owners. Your AGI already includes your net business income/loss, but they may request additional information about business assets over certain thresholds. The simplified FAFSA has made this less complicated, but self-employed people often still need to provide more details.
I wanted to update everyone - we got our 2023 tax transcript directly from the IRS website and were able to complete our daughter's FAFSA yesterday! We didn't need to wait for our accountant at all. The process was much easier than I expected once we had the right information. Thank you all for your help and advice!
That's great news! Make sure to save a PDF copy of your submitted FAFSA in case there are any verification requests later. Some schools will ask for additional documentation, especially for self-employed parents. Having everything saved in one place makes that process much smoother.
Ravi Patel
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.
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Emma Johnson
•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.
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Chloe Martin
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.
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Emma Johnson
•That's really good to know about the extended deadlines! I was so stressed about missing out on aid. I'm going to email my financial aid office anyway just to make sure they know I had technical difficulties in case anything is missing from my submission.
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