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one thing no one mentioned!! if ur grandaughter is close to 24 she might just wanna wait til shes legally independent by age? my cousin skipped a year and went back when she didnt need her parents for fafsa anymore
As a follow-up to my earlier comment: For the 2025-2026 FAFSA, there are some new provisions that might help your situation. The FAFSA Simplification Act created a new category called "provisional independent students" that includes situations where contact has been lost with parents. For your granddaughter's specific situation, I recommend a two-pronged approach: 1. Submit the FAFSA marking the "Cannot provide parent information" option 2. Immediately contact each school's financial aid office with your documentation 3. Specifically ask about both dependency override AND professional judgment options 4. Request consideration under the new provisional independent status guidelines if applicable Each school will have different forms and processes, so she'll need to work separately with each institution she's applied to.
Good luck! Let us know how it goes. And don't stress too much about the savings account mistake - they see that kind of thing all the time. The fact that you're being proactive about fixing it will go a long way.
When I tried to get a Parent PLUS loan last year I got denied because of my credit (had a late payment on my mortgage during covid). My daughter was then eligible for additional unsubsidized loans to make up the difference, but we had to specifically request those extra loans after the PLUS denial. Just something to keep in mind if you have any credit issues.
That's really good to know - my credit is decent but not perfect. Do you know how much additional unsubsidized loan your daughter was eligible for after your PLUS denial?
One more thing to add - when you apply for the PLUS loan, you'll need to specify which semester(s) you're borrowing for. You can choose the full academic year, or just fall or spring semester. If you're unsure about how much you'll need for the entire year, you can apply just for fall now and then do another application later for spring semester. Each application is separate and requires its own credit check.
Update from an academic advisor perspective: The Department of Education confirmed there's a processing backlog affecting SAI calculations. For the 2025-2026 application cycle, they're experiencing delays of 3-4 weeks for some applicants, particularly when there are multiple contributors or complex income situations. If your application was submitted correctly, the SAI should eventually appear without you needing to take action. However, if it's been more than 4 weeks, definitely contact FSA directly.
Thank you for this official update! This is somewhat reassuring. I think I'll wait another week before panicking completely. Do you know if schools are aware of these delays?
Yes, financial aid offices are definitely aware of the delays. Most schools have built in some buffer time for their internal deadlines because of these known FAFSA processing issues. If you're concerned about a specific school's deadline, it's worth emailing their financial aid office directly to alert them to your situation.
UPDATE: Just wanted to let everyone know what happened in my case. After checking everything multiple times, I finally got through to FSA and found out the issue. Even though both my parents used the IRS data retrieval tool, there was a glitch where my dad's income information wasn't properly linked to my application. It showed as complete in the system, but the actual data wasn't there! The agent had me go back in with my dad and re-authorize the IRS retrieval, and my SAI showed up 24 hours later. So if you're having this issue, definitely don't wait - try to contact FSA directly. Thanks everyone for your help!
Thanks for updating us! I'm going to check this exact thing with my parents. The whole data transfer system seems so buggy this year.
Ella Lewis
i remember they kept sending me emails about parent contribution even after my kid graduated lol
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Alexis Renard
•they still send me reminder emails for my daughter who graduated 3 years ago. i tried to find where to unsubscribe but gave up after 20 min
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Hunter Edmunds
Thanks everyone for the helpful advice! I created my FSA ID tonight and got the email verification right away. Waiting on the SSN verification now, but at least I know I'm on the right track. My daughter can send me the contribution invitation once that's done. This was so much clearer than anything on the studentaid.gov site!
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Camila Jordan
•Great job getting it set up! The SSN verification usually processes within 1-3 days. Once that's complete, you'll be all set to complete your portion when your daughter sends the invitation. Make sure to keep your FSA ID username and password saved somewhere secure - you'll need it again for next year's FAFSA and for any other federal student aid processes.
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