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After helping three kids through college, I've found that the best approach is actually a hybrid one. Take the institutional loan for part of the need (maybe half) and a private loan for the rest. This gives you some of the benefits of both - deferred payments on part of the debt while securing a lower interest rate on the rest. Also, make sure you've exhausted all federal loan options first through your FAFSA - Direct Subsidized loans don't accrue interest during school and have the best protections.
this is actually smart!!! never thought of splitting it up like that. like insurance for ur kids future lol
Update: After talking with the financial aid office, we discovered that the institutional loan actually has a 1% origination fee that wasn't clearly disclosed, which adds about $780 to the first year's loan cost. We've decided to go with a combination approach - taking the maximum federal Direct Subsidized loans first, then splitting the remaining need between the institutional loan and a fixed-rate private loan at 5.7%. This gives us some payment flexibility while controlling the total interest cost. Thanks everyone for your insights - they really helped us make a more informed decision!
That's an excellent approach and very similar to what I recommend to the families I counsel. Origination fees are often overlooked but can significantly impact the total loan cost. The combination strategy gives you flexibility and helps minimize risk. Congratulations on finding a good solution!
I just wanted to follow up - were you able to find your SAI or speak with someone at Federal Student Aid? Sometimes the system displays differently depending on your specific application circumstances. Also, make sure you're looking at the 2025-2026 FAFSA confirmation page, not a previous year's application.
Thank you for checking back! I was finally able to get through to someone at FSA using that Claimyr service someone mentioned above. Turns out there was a processing flag on my account because the system couldn't verify my citizenship status (even though I'm a US citizen and provided my SSN). They cleared it and now I can see my full SAR with my SAI number! It's showing 2750 - is that considered high or low?
An SAI of 2750 is generally considered to be in the low-to-moderate range, which is good news for your financial aid prospects. The lower your SAI, the more need-based aid you may qualify for. Many Pell Grant recipients have SAIs below 6000, so you might be eligible depending on your enrollment status and the cost of attendance at your chosen schools. Each school will use this number differently in their aid calculations, so you'll need to wait for your financial aid packages to see exactly what you qualify for. Congratulations on getting this resolved!
That's such a relief to hear! Thank you so much for all your help. I've confirmed with two of my schools that they received my FAFSA data correctly. Now I just need to wait for those financial aid packages!
OMG I have twins too and FAFSA is the WORST for multiple kids! SO much duplicated effort. Why can't they just let us fill out ONE form for the family and then apply it to both kids???? I spent literally HOURS doing basically the same form twice. Such a waste of time!!!!
Thank you all for the helpful responses! I feel much more confident now. My husband will complete the contributor section for our daughter's application, and we'll make sure to list both twins as college students. We'll be careful to use the exact same financial information when we do our son's FAFSA next week. I appreciate all the advice from fellow parents who've been through this before!
Glad we could help! One last tip: Take screenshots of all the financial information you enter for the first twin, so you can refer to it when completing the second application. This ensures consistency between both submissions and reduces the chance of verification flags.
UPDATE: Success! I had my son login with his FSA ID and start his own application. When he got to the parent contribution section, he entered my email and I received a link to contribute. When I clicked the link and logged in with my parent FSA ID, I could then see BOTH my children's applications on my dashboard! Thanks everyone for your help - the system is definitely not intuitive but we got there in the end.
Glad it worked out! Yes, it's definitely not intuitive, but once you understand the student-initiated process, it makes managing multiple FAFSAs much easier. Now that both applications are linked to your parent account, you'll be able to see their status updates and SAI calculations all in one place. Remember that if your financial information changes, you'll need to update it on each student's application separately.
can someone explain why my sons SAI is different from my daughters even tho im the same parent with same income??? makes no sense
Several factors can cause siblings to have different SAI calculations even with the same parental information: 1. Age differences (older students have different dependency calculations) 2. Different student income/assets 3. Different number of family members in college during each award year 4. Different program types (graduate vs undergraduate) 5. Special circumstances noted on one application but not the other If the difference is significant and doesn't make sense based on these factors, you might want to contact your financial aid office to verify there wasn't an error in one application.
Kaiya Rivera
Update on my situation - the adblock suggestion worked for me! Turned off all extensions and suddenly I could see the Complete button. My application is finally in review status after being stuck for almost a month. This is ridiculous that we have to troubleshoot a government website like this.
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KhalilStar
•glad it worked!! so messed up that nobody at fafsa support even knows about these problems. like how many students r missing out on financial aid bc of stupid tech issues??
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Lucy Taylor
Has anyone received their actual SAI score yet after getting past the 'In Process' stage? I'm wondering how long that typically takes after the application moves to 'In Review' status. Our university needs the official SAI for scholarship consideration.
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Connor Murphy
•The typical processing time after reaching 'In Review' status is 3-5 business days for the SAI calculation to be completed. However, with the system issues this year, we're seeing many taking 7-10 business days. If it's been longer than two weeks in 'In Review' status, that would warrant a call to FSA.
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