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Just to clarify something important - the professional judgment process doesn't actually change your FAFSA or your official SAI number. What happens is: 1. Your FAFSA submission with 2022 data creates your official SAI 2. Schools receive this SAI as your official one 3. When you request professional judgment, schools individually recalculate what your SAI would be with updated information 4. They then adjust your financial aid package at THEIR institution based on this recalculated SAI Your official SAI on studentaid.gov will never change, which confuses many people. Each school effectively creates their own internal modified SAI for you.
One more thing - start the professional judgment process as soon as possible after submitting your FAFSA. Many schools allocate their institutional funds (grants, scholarships) early in the cycle. If you wait until close to enrollment time, they may have already committed most of their discretionary aid funds, leaving mainly loans as options for you. Timing really matters!
jst wnt 2 say the whole FAFSA process is SO BAD this year omg. took my family like 3 weeks to finally submit. hang in there
UPDATE: Finally got it working! After trying the account recovery process again and getting nowhere, I used the Claimyr service that someone suggested above. Got connected to an actual FSA agent in about 15 minutes! They confirmed my identity and found that my account had been automatically locked due to "suspicious activity" (which was just me trying to log in multiple times). They manually unlocked it and helped me reset everything properly. Was able to complete my portion of my son's FAFSA last night. What a nightmare this has been, but thank you all for your help and suggestions!
Great to hear you got it resolved! Just as an FYI for anyone else reading this thread: make sure your son confirms the application was actually SUBMITTED, not just saved. We're seeing a lot of students who think they've completed the process but their application is still sitting in draft status.
anybody notice how the FAFSA is SUPPOSEDLY easier now but somehow gives LESS aid than before?? my nephew got $3400 LESS this year with the "simplified" fafsa and their financial situation is EXACTLY THE SAME!!
The new FAFSA formula (now using SAI instead of EFC) does calculate family contribution differently. Some middle-income families are seeing less aid, while others are seeing more. It depends on your specific financial details like number of dependents in college, types of income and assets, etc. Your nephew should definitely appeal if there was such a significant change without corresponding changes in financial circumstances.
Update: I want to thank everyone for their advice. I called both financial aid offices this morning and learned that my twins ARE eligible for additional unsubsidized loans because of our Parent PLUS denial. That will cover about $8,000 of our gap. I've also scheduled appointments to discuss institutional payment plans and possible additional grants based on our medical bill situation. My sister has agreed to look into being an endorser for a smaller Parent PLUS loan to cover the remaining amount. I'm still stressed but feeling like we have a path forward now.
Mateo Martinez
Have u tried appealing ur SAI? My family had a similar situation (they said we could pay $22k lol as if) and we submitted a professional judgment request with documentation of some medical expenses and got it reduced. Worth a shot before u take out a bunch of loans
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Diego Vargas
•I didn't know that was possible! What kind of documentation did you need to provide? My dad actually lost his job last month (after we submitted the FAFSA) so maybe that would qualify us for an adjustment?
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NeonNinja
Yes, your father's job loss is absolutely grounds for a professional judgment review! Contact your financial aid office ASAP and ask for a "Professional Judgment Review" or "Special Circumstances Review" form. You'll need to provide documentation of the job loss (termination letter, unemployment benefits statement) and possibly your family's updated income information. Regarding your earlier question about deadlines for Direct Unsubsidized Loans - you can generally request these any time during the academic year before the last day of classes. So you haven't missed any deadline. Just be aware that if you request loans late in the semester, the disbursement might be delayed. And yes, your dad's job loss situation could potentially lower your SAI significantly and qualify you for subsidized loans and additional grants!
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Diego Vargas
•Thank you so much for all this information! I'm calling the financial aid office first thing tomorrow morning. Hoping the professional judgment review helps us qualify for better aid. I really appreciate everyone's advice here - feeling much less stressed about my options now.
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