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Thank you everyone for all the suggestions! I've made a list of everything to discuss with the financial aid office. I'm also going to look into private loans with my husband as cosigner and see if there are any emergency funds or special scholarships I might qualify for. Will try calling FSA directly too using that Claimyr service - worth a shot at this point. I'll update once I figure something out in case it helps others in my situation.
My wife had this EXACT problem when we got married!!! She ended up getting a small private loan ($5,000) through Sallie Mae with me as cosigner for her summer classes, and then once her SSN came in (took almost 4 months!) she could do FAFSA for the fall semester. Interest rate was higher than federal loans but we didn't have much choice. Check with Discover and Sallie Mae, they both have options for this situation.
Update: I finally got through to someone at Federal Student Aid after trying for WEEKS! The agent confirmed they're seeing unusual verification rates for NYC zipcodes (validation that we're not imagining this!). I've submitted the additional documentation they requested:\n- Rent stabilization rider from our lease\n- Letter from my daughter's school confirming her address\n- A statement explaining our housing situation \n- Birth certificate and tax returns showing dependent status\n\nThe agent said to expect 2-3 weeks processing time, which pushes us past NYU's deposit deadline. I called NYU financial aid and explained everything, and they've granted us a 3-week extension pending our FAFSA verification! Relieved but still stressed about getting everything resolved in time.
jst wnt 2 say the whole FAFSA process is SO BAD this year omg. took my family like 3 weeks to finally submit. hang in there
UPDATE: Finally got it working! After trying the account recovery process again and getting nowhere, I used the Claimyr service that someone suggested above. Got connected to an actual FSA agent in about 15 minutes! They confirmed my identity and found that my account had been automatically locked due to "suspicious activity" (which was just me trying to log in multiple times). They manually unlocked it and helped me reset everything properly. Was able to complete my portion of my son's FAFSA last night. What a nightmare this has been, but thank you all for your help and suggestions!
Great to hear you got it resolved! Just as an FYI for anyone else reading this thread: make sure your son confirms the application was actually SUBMITTED, not just saved. We're seeing a lot of students who think they've completed the process but their application is still sitting in draft status.
my cousin got a negative sai too but then got selected for verification and had to send in like a million documents and it took FOREVER to process. just warning u it might not be over yet lol
Cash income can definitely complicate verification. If your mother doesn't receive W-2s for her house cleaning work, she should have reported this income on Schedule C as self-employment income on her taxes. During verification, you might need to provide a signed statement explaining her work situation and income. Some schools accept income verification letters from employers or even detailed personal records of cash payments if official documentation isn't available.
Anyone else notice how the FAFSA website keeps changing? My counselor said something about a "soft launch" for the new system and said we might need to recheck our submissions through January. I'd monitor your account regularly just to be safe.
Your counselor is correct. The Department of Education has announced that the 2025-2026 FAFSA is undergoing a phased implementation with ongoing updates. While the core functionality is working, they're still refining certain elements of the system. I recommend checking your StudentAid.gov account weekly and ensuring your contact information is current so you receive any important notifications.
Amara Torres
Just to clarify something important - the professional judgment process doesn't actually change your FAFSA or your official SAI number. What happens is: 1. Your FAFSA submission with 2022 data creates your official SAI 2. Schools receive this SAI as your official one 3. When you request professional judgment, schools individually recalculate what your SAI would be with updated information 4. They then adjust your financial aid package at THEIR institution based on this recalculated SAI Your official SAI on studentaid.gov will never change, which confuses many people. Each school effectively creates their own internal modified SAI for you.
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Elijah O'Reilly
•Oh that makes so much more sense! I was wondering how the FAFSA system would update my SAI. So I need to be prepared for each school to potentially have a different process and possibly reach different conclusions about my financial need?
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Hannah Flores
One more thing - start the professional judgment process as soon as possible after submitting your FAFSA. Many schools allocate their institutional funds (grants, scholarships) early in the cycle. If you wait until close to enrollment time, they may have already committed most of their discretionary aid funds, leaving mainly loans as options for you. Timing really matters!
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Elijah O'Reilly
•That's really good to know! I'll submit my FAFSA this weekend and then immediately reach out to all the schools. Thanks again for all the helpful information from everyone.
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