


Ask the community...
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.
That's great news! The extension should give you enough time based on current processing speeds. If you need to follow up with FSA, definitely try doing it sooner rather than later, as call volumes tend to increase dramatically in March.
So glad they were understanding! Most schools are pretty flexible if you explain the situation.
This happened to me! I finally got through to someone at FSA and they said my FAFSA was flagged because my parents' reported income on the FAFSA didn't match what the IRS had. It was only off by like $230 because my dad got some small retirement adjustment or something that he forgot about. Had to submit verification docs and then waited another 2 weeks. So annoying! Try calling them to see what's actually happening.
That's what I'm worried about, that there's some tiny discrepancy we don't know about. How did you finally get through to FSA? Every time we call we just get stuck on hold forever.
Just wanted to update everyone - our "in review" status finally changed today! It took exactly 18 days after the signature corrections to get the SAI. We didn't do anything special, it just updated on its own. The school had already given us an extension on accepting the aid package, so everything worked out. Hang in there!
That's great news! Congrats! That gives me hope that ours will update soon too. Was your son selected for verification in the end, or did it just take time to process?
It was indeed a verification issue, but we didn't have to submit any additional documents. The agent I spoke with said they were verifying his info against government databases, and it just took time for the systems to talk to each other. When the SAI finally appeared, we also got an email saying verification was complete.
Will do! Going to try calling all of them tomorrow. Fingers crossed!
Hey just wanted to update - I called my financial aid offices after seeing your post because I was having the same issue. One of them told me they have a huge backlog this year because of the FAFSA Simplification Act changes. They said April is now their target for sending out most packages, which is way later than normal. Might be worth asking your schools if they have specific timeline estimates this year.
Thank you so much for sharing that! It's frustrating but at least if it's happening to everyone I can stop worrying that something's wrong with my specific application.
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.
0 coins
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.
0 coins
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.
0 coins
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.
0 coins