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make sure ur son applies for ALL the scholarships!!! my daughter got a weird one for $1500 because her great grandfather was a freemason lol. check with ur employer too, lots have scholarships for employees kids!
WHY are parents like this?!?! My dad was the same way. FAFSA deadline was LITERALLY the next day and he still hadn't done his part. I had to threaten to make him pay the difference in whatever aid I lost before he finally logged in. Parents have NO IDEA how expensive college actually is or how much these deadlines matter for OUR FUTURE.
UPDATE: I finally got through to my dad! I showed him exactly what he needed to do, made an estimate of how much aid I might lose (about $6000 based on last year's institutional grants), and set up a calendar invite with all his login info included. He completed it last night! Thank you all for your advice - especially about not sending another invitation since that could have reset everything. The application now shows "processing" status. So relieved!
I want to add an important detail about the transition from community college to a 4-year institution that many miss. For transfer students, there's often special "transfer scholarships" that aren't automatically considered with the general financial aid process. Make sure your son specifically asks about: - Phi Theta Kappa transfer scholarships (if he's a member) - Academic merit scholarships specifically for transfer students - Departmental scholarships from his intended major - Community college partnership scholarships (many 4-year schools have special relationships with local CCs) These are completely separate from the FAFSA/federal aid process and require separate applications with different deadlines. I've seen transfer students miss out on thousands in scholarships simply because they focused solely on FAFSA and didn't realize these other options existed.
i just remembered someting else..... make sure u tell ur son to request his official transrcipt from the community college ASAP!!! my son almost missed a deadline because they take forever to process those requests especially during graduation time. the university wont finalize his aid package without the final transcript!!
why dont u just try signing with ur daughters fsa id if she has the password? my mom did that when we had same problem lol
UPDATE: IT'S FIXED! Wanted to share what worked for anyone else facing this issue. These steps did the trick: 1. I used Microsoft Edge instead of Chrome (thanks for that tip!) 2. Checked my FSA ID info and found my address was incorrect as someone suggested 3. Updated my address in my FSA ID account 4. Completely logged out of everything 5. Cleared all browser data 6. Logged back in to my parent account 7. Found a notification in the "My FAFSA" section (not under corrections) 8. Clicked that notification which took me to a working signature page The signature button is now showing my signature as complete! My daughter's application now shows fully processed with her SAI score calculated. Thanks everyone for your help!
Theodore Nelson
Has anybody actually looked at whether this makes mathematical sense? I mean if your parents are close to retirement they might have a lower income soon which could qualify them for lower payments under ICR. If you refinance, you're stuck with the full payment no matter what. Just make sure you RUN THE NUMBERS before making this decision. I know ppl who regretted refinancing because they lost all flexibility when life circumstances changed!!
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AaliyahAli
•This is an excellent point. Income-Contingent Repayment for Parent PLUS loans (after consolidation) caps payments at 20% of discretionary income. If the parents' income drops significantly in retirement, their required payments could drop as well. Additionally, these loans can be forgiven after 25 years of payments under ICR, though the forgiven amount is currently taxable. It's definitely worth running scenarios based on their retirement income projections versus the total cost of refinancing.
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Ryder Greene
just fyi i forgot to mention in my first post - when i refinanced they gave me options for 5, 10, 15, or 20 year terms. the shorter terms had better interest rates but higher monthly payments. i went with 15 years to keep payments manageable but still not be paying it off until im 50 lol. shop around bc every lender has different term options!!
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Leeann Blackstein
•Thanks for mentioning that! I was wondering about the term options. I'd probably aim for 10-15 years too. Did refinancing actually lower your monthly payment compared to what your parents were paying, or was it mainly about transferring the responsibility?
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