


Ask the community...
has anyone tried those income share agreements?? my cousin did one where he doesn't pay anything now but gives like 3% of his income after graduation for 5 years. sounds better than loans tbh
Income Share Agreements (ISAs) are available at some schools, but I'd approach with caution. They may seem appealing since there's no interest, but if you end up with a high-paying job after graduation, you could pay back significantly more than with traditional loans. They also have less regulation and consumer protections than federal loans. They're typically only available for specific programs or schools, so you'd need to check if your institution offers them. I'd recommend exhausting federal loan options first, as they have income-driven repayment plans that can also cap payments based on what you earn, plus potential loan forgiveness programs.
Thank you all SO MUCH for the advice! I've made a plan based on everyone's suggestions: 1. Accept all my federal loans from FAFSA 2. Visit financial aid office in person next week to discuss: - Professional Judgment review (since my dad lost his job) - Emergency aid funds - Parent PLUS loan application (worth trying even with their credit issues) - Payment plan options 3. Look into state aid programs 4. Apply for more scholarships I'll update once I know more! This has been incredibly helpful.
@CollegeCounselor4 is exactly right. As someone working in financial aid, I can confirm this is a system limitation they're still working on. The 30-minute system timeout is crucial - we've found that's the minimum time needed for the system to fully reset the session cookies.
We tried the date format suggestion but it didn't work. Going to try this timeout approach next. So grateful for all the expert advice here!
UPDATE: SUCCESS! We followed @CollegeCounselor4's exact instructions, waiting the full 30 minutes after clearing cookies before logging back in. Then my husband went directly to the signature page without reviewing anything else. It worked! The confirmation page finally appeared after clicking sign. THANK YOU all for your help - this forum literally saved us from weeks more frustration and potentially missing aid deadlines. For anyone else with non-US contributors getting stuck in the signature loop, the timeout period seems to be the critical factor.
So glad it worked! This is exactly why I share these workarounds - the official guidance isn't keeping up with the actual system issues. Congrats on getting it resolved!
Just to provide a bit more insight - while this FAFSA rollout has been problematic, there are some benefits to the new system. The SAI calculation is more fair than the old EFC system for many families, especially those with multiple children in college. Many schools are developing contingency plans now. Some options I've seen: 1. Provisional enrollment with estimated aid packages based on prior year data 2. Extended payment deadlines with no late fees 3. Emergency institutional grants to bridge the gap 4. Tuition deferment plans requiring minimal upfront payment Don't give up hope for fall enrollment yet. Contact financial aid weekly to stay on their radar and check your FAFSA status daily. The situation is fluid and improving gradually as processors work through the backlog.
my nephew who works in IT says the whole FAFSA system was built on legacy code from like the 90s and they tried to update it all at once instead of in phases thats why its so broken. not helpful info but explains why its such a mess lol
EXACTLY! And they spent $121 MILLION on this "modernization" project according to a report I read. Our tax dollars at work, folks! They should have tested it thoroughly before forcing it on students whose futures depend on it working correctly.
Update for everyone following this thread: The Department of Education just announced they're experiencing delays in the final verification steps for applications submitted in the last two weeks. They've added staff to address the backlog, but they're now saying to allow up to 3 weeks for SAI calculations to be completed for recently submitted applications. If your school has an urgent deadline, have your student contact their financial aid office directly - many are making accommodations for these delays.
Victoria Charity
Yes, you should report ALL income, even if it was below the filing threshold. There's a difference between "didn't file because I wasn't required to" and "had zero income." If you made less than $400 in self-employment income, you weren't required to file a tax return, but you should still report that amount on your FAFSA. Be honest about the small amount of income from selling crafts. When you get your Verification of Non-filing Letter, you'll also want to provide a signed statement explaining your situation - that you were separated (though not legally divorced), lived separately from your spouse, had minimal income from selling crafts, and weren't required to file taxes. Transparency is always the best approach with financial aid.
0 coins
Evan Kalinowski
•Thank you for clarifying! I'll definitely include the craft income and provide that explanation with my verification letter. I appreciate everyone's help - this has made the process much less intimidating.
0 coins
Jasmine Quinn
this whole system makes me so angry!!! why do they make it so complicated?? its like they WANT to deny people financial aid by creating all these impossible hoops to jump through...
0 coins
Oscar Murphy
•While I understand your frustration, the verification process is actually designed to ensure aid goes to those who truly need it. The good news is that the FAFSA has been simplified somewhat for the 2025-2026 application year, though specific situations like the one described here still require some extra steps.
0 coins