
FAFSA
CommunityFinancial Services


Ask the community...
Can someone PLEASE explain how to start the FAFSA application process in the simplest terms possible? I'm completely overwhelmed looking at the studentaid.gov website. Too many options, too many acronyms, too many warnings about deadlines! I've never applied for financial aid before and honestly need this broken down like I'm a total beginner. What exactly do I do first? What documents do I need? How long does it take? I keep hearing about this SAI score but don't even know what that is. I'm so confused and the deadline for my college is coming up in 3 weeks!!! ๐๐
My best friend is in a desperate situation with her FAFSA for next year. She's a junior maintaining a 3.7 GPA while working 25+ hours weekly, but her mother (who was the parent on previous FAFSA applications) has completely cut her off and is refusing to provide ANY financial information for next year's application. She has zero contact with her father (hasn't seen him since she was 7). When she went to the financial aid office today, they basically shrugged and told her she needs to "find her dad" for his information. That can't be right, can it??\n\nHer mother struggles with severe alcoholism and literally told her "figure it out yourself" before blocking her number. My friend is already taking out the maximum federal loans but without a completed FAFSA, she'll lose everything for her senior year.\n\nThe financial aid office mentioned something about "dependency overrides" but then said they're "extremely rare" and her situation "probably wouldn't qualify." How is having an alcoholic parent who refuses contact and a completely absent father not qualifying?? There must be options beyond just "find your dad."\n\nAny advice would be life-changing for her right now. She's worked SO hard to get this far in her education.
This is EXCELLENT news! I'm so glad she was persistent and asked to speak with someone more senior. That often makes all the difference. The documentation she gathered sounds perfect - especially the therapist letter. Looking forward to hearing the final outcome!
Finally got our SAI calculated for my daughter's FAFSA and it came in at -1500. While I understand this is technically good news, I'm feeling anxious about what this will actually translate to for out-of-pocket costs at different schools. She's been accepted to 4 colleges (2 state, 2 private) but we're still waiting on all the financial aid packages to arrive. Does anyone have a similar SAI (-1500 or thereabouts) who has already received their actual financial aid packages? What kind of bottom-line costs are you seeing at different types of schools? I know each school has their own formula, but I'm trying to get a rough idea of what we might expect with this SAI. Specifically wondering if anyone's seeing close to full need being met or if there are still significant gaps. We're first-generation college family so this whole process feels overwhelming!
not to get off topic but make sure ur checking if schools require css profile too! my cousin missed out on so much $$$ because he only did FAFSA and didnt realize his private college needed css profile too for their institutional aid!!
I'd like to add a few more points about that -1500 SAI: 1. Always look for the "gift aid ratio" - what percentage of your package is free money (grants/scholarships) versus loans/work. With your SAI, you should expect at least 80-85% gift aid at most institutions. 2. Private colleges using the CSS Profile can sometimes offer more to students with low assets but moderate income than to those with very low income but some assets, even with the same SAI. This is because they collect more detailed financial information. 3. Keep in mind that your SAI only accounts for your financial situation when you applied. If anything has changed (job loss, medical expenses, etc.), you can request a professional judgment review. 4. Some selective private colleges have policies to meet 100% of demonstrated need with no loans for families under certain income thresholds. With your SAI, these could be worth considering even if they seem expensive initially.
This is incredibly helpful. We've had some medical expenses since filing the FAFSA - is that something we could bring up during an appeal process? Also, how do we find out which private colleges have those 100% need-met policies?
Yes, absolutely bring up the medical expenses in an appeal! That's exactly the kind of circumstance that qualifies for professional judgment. Keep all documentation of those expenses. For colleges that meet 100% of need without loans, you can search for "no-loan financial aid policies" or "meets full need colleges." Some examples include Amherst, Bowdoin, Brown, Harvard, MIT, Princeton, Stanford, Swarthmore, and Yale, but there are several dozen others with strong aid policies. Many have income thresholds (like under $65K or $100K) where they guarantee no loans in the package.
Just submitted my daughter's 2025-2026 FAFSA last Tuesday, got the submission confirmation email, but still haven't received our SAI calculation. The website said processing would take 1-3 business days, but it's been over a week now and the status still shows 'Processing' when I log in. Starting to get nervous since her college priority deadline is coming up soon. Is anyone else experiencing delays right now? Should I be concerned or is this normal waiting time with the new system?
Just wanted to follow up and mention that checking your status obsessively won't make it process any faster. The system doesn't work that way. Once you submit, it enters a processing queue and checking the status doesn't move you up in line. One thing that might be useful is to verify that your daughter's Student Aid Account is properly linked to your Parent FAFSA Account. Sometimes processing delays happen when the system has trouble matching the accounts. If you log into studentaid.gov, go to the account settings and check if the parent-student link shows as verified. If it shows pending or has any warnings, that could explain the delay.
Sorry for jumping in late, but I wanted to ask - did you use the IRS Data Retrieval Tool when filling out the income section? Applications that use the DRT tend to process faster because the income data is pre-verified. If you manually entered tax info, that could be causing the delay as they have to verify everything manually.
Is anyone else dealing with super long FAFSA review times this year? My daughter's application has been sitting in 'review status' since JANUARY (it's now almost mid-April!). We just submitted my son's application last week, and now his college financial aid office is asking for his SAI score and DRN number, but neither are showing up anywhere in the studentaid.gov portal. When I log in, both applications just say 'processing' with no additional information. I've tried calling the Federal Student Aid hotline three times, but after waiting 2+ hours each time, I either get disconnected or told they can't give me a timeline. My daughter's college is getting impatient about finalizing her aid package, and my son needs to make a decision by May 1st. Is the system just completely broken this year? What am I supposed to do?
Just a quick update - my son's application that had been stuck since January finally processed yesterday! The SAI and DRN are now visible in his studentaid.gov account. It seems like they might be starting to work through the backlog. One thing that helped us was having the financial aid office at his top-choice school submit an official request for his FAFSA information. The financial aid counselor told me they have a special channel to request expedited processing for students approaching decision deadlines. Might be worth asking your kids' schools if they can do something similar. They have more leverage with the Department of Education than we do as individuals.
UPDATE: I'm making progress! Following everyone's advice: 1. I've submitted a case through the FSA Feedback Center 2. Both schools have granted an extension on the May 1st deadline 3. I used Claimyr and actually got through to someone who confirmed my daughter's application should complete processing within 7-10 days 4. For my son, they gave me his DRN over the phone which I've provided to his school The financial aid officer also confirmed what many of you said - they're experiencing unprecedented delays with the new FAFSA system. She mentioned they can create a preliminary aid package based on the information we've already provided while waiting for the official SAI. Thank you all for your help and suggestions! This has been incredibly stressful, but I feel like we're finally making progress.
Great news! I'm glad you're making headway. The preliminary aid package option is especially helpful - many families don't know to ask about that. Please keep us posted on how things work out!
Laila Prince
am i the only one whos parents refused to provide their info for fafsa?? my dad said its "invasive" and wont give me his tax info so now i cant even apply for financial aid. anyone know if u can do fafsa without parent info somehow??
0 coins
Drew Hathaway
This is actually a common situation. You have a few options: 1. Apply for a "Dependency Override" - but these are rare and only granted in extreme circumstances (abuse, abandonment, incarceration, etc.) 2. Complete the FAFSA without parent information - you'll only be eligible for unsubsidized loans, not grants or need-based aid 3. Talk to your school's financial aid office about professional judgment - they sometimes can adjust your aid if parents refuse to provide info I'd recommend scheduling an appointment with your financial aid office to discuss your specific situation.
0 coins
Laila Prince
thx i guess ill call the financial aid office but doubt theyll help. so frustrating that we need parent info even when they dont pay for anything ๐
0 coins
Vanessa Figueroa
Thank you all SO MUCH for all this advice! I think I understand the process now: 1. First, my mom and I both need to create FSA IDs 2. Gather all our financial documents 3. Set aside several hours when we're both available 4. Complete the form on studentaid.gov 5. Double-check all numbers match exactly with our tax forms 6. Submit well before my school's deadline (I'll verify what that actually is) I'm still nervous but feel way more prepared now. Will let you all know how it goes! ๐
0 coins
Isabel Vega
Perfect summary! One last tip: after you submit, log back in after 3-5 days to check your Student Aid Report (SAR). This shows all your entered information and your calculated SAI. Review it carefully for any errors. If your application is selected for verification (about 30% are), you'll see that notification here too. Good luck!
0 coins
Abby Marshall
u got this! just dont wait til last minute, site always crashes then lol
0 coins