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I ALMOST FORGOT - make sure your son's name on the FAFSA EXACTLY matches his Social Security card. My daughter goes by her middle name and we accidentally put that instead of her legal first name and it caused a HUGE delay getting everything processed. Same with birthdates and SSNs - triple check before submitting because fixing errors can set you back weeks or even months in the process.
One last recommendation: after you submit the FAFSA, take screenshots of the confirmation page and save the confirmation email. Document everything in this process. If you call FSA, note the date, time, and representative's name. If you have to submit additional documentation, keep copies and proof of submission. The financial aid system can be bureaucratic, and having a paper trail has saved many families from missing out on aid due to processing errors or lost documentation.
Just thought of something! If youre low income you might qualify for free tax prep help through VITA and they can also help with FAFSA questions. My friend used them last year and they were super helpful with understanding how her child support should be reported on FAFSA.
Following up on retirement contributions - yes, your retirement contributions can affect the SAI calculation. For the 2025-2026 FAFSA, voluntary retirement contributions are reported as untaxed income, which can increase your SAI (potentially reducing aid eligibility). However, mandatory contributions to employer retirement plans are not counted. One more important note: Since your son is a continuing student at SDSU, make sure to also check if he needs to complete the CSS Profile in addition to the FAFSA. Some California institutions require both for institutional aid, though SDSU typically only requires FAFSA for most aid programs.
One more thing to consider - while your federal loan rates won't increase, each year's new FAFSA loans might have different rates. So your freshman year loans might be at 5.38%, but if rates change next year, your sophomore loans could have a different rate. Each loan keeps its original rate forever, but you end up with a mix of different rates across your total student debt.
My brother had this same worry! He graduated 2yrs ago and couldn't find a job for 9mo, but his rates stayed exactly the same as when he started. He did have to call and request forbearance tho so he wouldn't get dinged for missed payments. Interest still built up tho except on his subsidized ones.
Update on the signature issue: if you're still having problems, the Department of Education just released a workaround yesterday. You need to: 1. Log in to studentaid.gov 2. Go to My Documents 3. Select "FAFSA Signature Exception" 4. Upload a photo of a handwritten signature along with a photo of the student's ID This temporary measure was implemented because of widespread signature page issues with the 2025-2026 form. Thought you should know about this official alternative.
Nia Davis
I work at a college financial aid office, and we've been seeing lots of students with similar issues this year. One thing that might help - check if your browser is automatically translating the FAFSA website. Sometimes this can cause submission errors because the translated form fields don't match what the system expects. Try setting the site language to English for the submission process, even if you complete the form in Spanish.
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Diego Flores
•Wow, esto podría ser exactamente el problema! Mi navegador sí está configurado para traducir automáticamente los sitios web. Voy a intentar desactivar la traducción y llenar el formulario de nuevo. Muchas gracias por esta información!
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Anastasia Ivanova
Just a follow-up suggestion - if you do use Claimyr to reach someone, ask specifically for a Spanish-speaking agent when you get connected. They do have bilingual staff available, and explaining your situation will be much easier in your preferred language. Make sure to have your FSA ID, Social Security number, and full legal name ready when you call.
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Diego Flores
•Perfecto! No sabía que tenían agentes que hablan español. Definitivamente voy a pedir eso cuando llame. Ya tengo todos mis documentos listos. Gracias por la información adicional!
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