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wat about her getting a part time job at school? my kid works 20 hrs a week in the cafeteria and gets like 7,000 a year plus free meals when shes working. might help close the gap?
She's definitely planning to work part-time, but we were hoping she'd use that money for books and personal expenses. But you're right - if we're truly desperate, that income could help with tuition instead.
After seeing your responses, I think you should definitely pursue multiple options simultaneously. Apply for both private loans AND the Parent PLUS loan right away. With your credit score around 680 and some recent late payments, you might face challenges with private lenders. If you get approved for both, you can always decline one. But if you're denied for private loans, you'll already have the PLUS loan process underway. Also, absolutely contact the financial aid office about payment plans and emergency funding options. One other suggestion - check if your state has any last-minute grant programs or if there are professional organizations related to your daughter's major that offer emergency scholarships. Sometimes there are niche funding sources that aren't widely advertised.
Thank you for this thoughtful follow-up. You're right - we need to pursue multiple paths at once. I'm going to start both loan applications today and make an appointment with financial aid tomorrow. I appreciate all the helpful advice from everyone!
lol mine took 2 weeks after processing to show up but my cousins showed up in like 2 days. its totally random.
TWO WEEKS??? That's ridiculous! The system is so broken.
UPDATE: My SAI finally appeared this morning! It took exactly 4 business days after the processing complete status. Thanks everyone for calming me down and helping me through this. Now onto figuring out what this SAI number actually means for my financial aid package... 😬
Great news! If you need help interpreting your SAI and what it means for your aid package, feel free to start a new thread. There are several of us here who can explain how schools use the SAI to determine grant eligibility, loans, and work-study options.
yay!! so happy for you!!!!
Just a thought - have you had your 2022 income reassessed using US tax rules? Sometimes foreign income that was taxable in your home country wouldn't be taxable here, or would be taxed differently. Might be worth consulting with a tax professional who specializes in international situations.
That's actually a really good point. We haven't done that yet, but maybe that would solve the problem if we had a US-equivalent tax calculation to provide the financial aid office.
Update from my earlier comment: I just remembered that most schools have a specific form for reporting foreign income. It's usually called something like "Foreign Income Information Form" or "International Income Worksheet." Check the financial aid section of each college website - you'll likely need to fill this out in addition to the FAFSA.
Thank you! I just found it on my daughter's college website. They actually have a specific process for green card holders with foreign income. I'll start working through their form today.
Just want to follow up - did you contact your financial aid office? Many schools are creating exceptions for the FAFSA processing delays this year since it's affecting so many students nationwide. Keep us posted!
Yes! I finally got through to them yesterday. They said they're aware of the delays and are being flexible with their deadlines as long as I can show proof that I submitted before their priority date (which I did). They said not to worry and that my aid package won't be affected by the processing delays. Such a relief!
MY FAFSA JUST GOT PROCESSED AFTER 7 WEEKS!! There's hope!! Check your account - maybe yours went through too!
OMG MINE TOO!! Just checked after seeing your comment! Status finally says "Processed" and I can see my SAI score now. THANK YOU for making me check again! What a relief!
Natalie Adams
My daughter had this exact problem!!! We finally fixed it by going to studentaid.gov/fsa-id/recovery and selecting "Forgot Username". When it asked for email, we tried EVERY email address she's EVER had (school, gmail, old accounts, etc) until one finally worked. The system is horrible.
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Mason Kaczka
After you get this sorted out, make SURE you check her SAI calculation when it comes through. My daughter had a similar login issue that took forever to fix, and when we finally submitted, her SAI was calculated incorrectly because of how late we submitted and some fields defaulted to incorrect values. We had to go through a whole separate correction process that nearly made her miss priority aid at her top school. Document EVERYTHING in case you need to appeal later.
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Sarah Jones
•Oh no, I hadn't even thought about potential calculation issues. Thanks for the warning - I'll make sure to carefully review everything once we get in. This whole process has been so much more complicated than when I went to college!
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