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I went through this EXACT situation last year with my husband's ancient account from 1997. After trying everything online and getting nowhere, I finally called FSA. The wait was over 2 hours, but the agent was able to fix it in about 10 minutes once I got through. They had to verify his identity and then completely delete the old account information before we could create a new FSA ID. One tip: after they fix it, create the new FSA ID immediately while you're still on the phone with them. That way if there are any issues, they can fix them right away. Our daughter got her aid package on time, so there is hope!
Yes! Finally got it resolved yesterday. Used that Claimyr service someone mentioned to avoid the hold time, and the FSA agent had to completely delete the old partial record and then helped us create a brand new FSA ID for my husband. Took about 20 minutes once we got an agent. Our daughter's FAFSA is now fully submitted! Such a relief!
wait are corrections definately open now? The FAFSA website still shows me an error message when I try to access the correction form. Maybe its just for certain types of corrections?
Yes, corrections are definitely open now for the 2025-26 FAFSA cycle, but the system is still having intermittent issues. Some users report being able to make corrections only during certain hours (typically early morning seems to work better). If you're getting an error, try logging in between 6-8am Eastern time when server traffic is lower. Also, make sure you're using the correct pathway - you need to select "Make FAFSA Correction" from the main dashboard, not through the original application link.
UPDATE: We just got notification that the correction has been processed and sent to her schools! It took exactly 9 business days. I've confirmed with two of her schools that they received the updated information, and they both assured me that she's still in consideration for all institutional aid since they received it before their internal processing deadlines. Such a relief! Thanks everyone for your help and commiseration through this stressful process.
That's great news! Thanks for updating us. I'm still waiting on my son's correction to process, but your timeline gives me hope it should be any day now.
Just to clarify for everyone - the 2025-2026 FAFSA uses the new "contributors" system, which is different from previous years. Student creates FAFSA, then adds parents as contributors, then parents get email invites to fill out their sections. BUT each contributor still needs their own FSA ID created beforehand. The FSA ID creation and contributor invitation are TWO SEPARATE PROCESSES.
Exactly right. This is the most common point of confusion with the new FAFSA system. Creating your FSA ID is step one, but that alone doesn't connect you to your student's application. The connection happens through the contributor invitation process after the student begins their FAFSA application.
I wish they'd make this clearer on the FAFSA website! We were so confused too. I created my FSA ID right after my son did (about 2 months ago), and it worked fine. Just make sure when creating the FSA ID, the parent uses their OWN email and phone number - not the student's. That was another mistake we almost made.
One additional suggestion: have your triplets go to the "FAFSA Processing Results" section of their accounts. Sometimes the SAI appears there before it shows up in the main dashboard. Also, check if the ISIR (Institutional Student Information Record) has been sent to their selected schools. The schools might actually have received the SAI even if it's not visible to you yet. If you're still not seeing anything by the end of this week, you should definitely contact FSA directly. Multiple-student households sometimes trigger additional verification algorithms in the system even when there's no explicit verification flag.
my neice had something similiar happen she called the school financial adivsors and they could see her SAI even tho it wasnt showing on her fafsa account yet! might be worth a try
Savannah Vin
One thing to consider that hasn't been mentioned yet: timing of disbursements. Federal Parent PLUS loans typically disburse directly to the school at the beginning of each semester. Private loans may have different disbursement schedules depending on the lender. Make sure you understand when the funds will be available to cover your costs, especially for things like the housing deposit which might be due before loans disburse.
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Liam Cortez
•That's a really good point I hadn't thought about. TCNJ is already asking for a housing deposit by May 1st, which is before we'll have loans in place. I guess we'll need to pay that out of pocket and then use the loans for the main tuition bill.
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Christian Bierman
Has anyone actually calculated whether parent plus loans are better than private? My daughter's at Rowan and we got a 4.1% private loan rate compared to the parent plus rate of over 6%! Plus we avoided that ridiculous origination fee that parent plus charges. Just saying don't automatically assume federal is better without comparing actual numbers...
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Makayla Shoemaker
•You raise a valid point. For borrowers with excellent credit, private loans sometimes offer lower interest rates than Parent PLUS loans. However, there's more to consider than just the rate. Parent PLUS loans offer income-contingent repayment options, potential loan forgiveness paths, deferment/forbearance options during hardship, and death/disability discharge protections that most private loans don't provide. That said, if you've found a private loan with significantly better terms and are confident in your ability to make the payments regardless of future circumstances, it can be the better financial choice for some families.
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