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Parent PLUS loans are only available if you're a dependent student, and the OP mentioned they're an independent student without the option for parents to cosign. Also, as the name suggests, PLUS loans are taken out by the parent, not the student - they're in the parent's name and are the parent's legal responsibility to repay.
UPDATE: I just wanted to thank everyone for the amazing advice! I followed the suggestions here and: 1. Called my financial aid office and discovered I could access an additional $5,000 in federal Direct Unsubsidized loans I didn't know about 2. Found a $2,000 scholarship through my engineering department that still had open applications 3. Used Claimyr to reach someone at FSA who helped explain why my SAI was calculated incorrectly - turns out there was a reporting error on my FAFSA that they're helping me fix Between these three things, I should be able to cover almost the entire gap without private loans! I might need a small one for the remaining $1,750, but that's WAY better than the $8,750 I was looking at before. This forum is seriously a lifesaver. Thank you all!
For those concerned about deadlines, I recommend three steps: 1. Email your school's financial aid office with your FAFSA confirmation number and submission date 2. Take screenshots of your FAFSA submission confirmation page 3. Check the school's financial aid website or call them directly about adjusted deadlines Most institutions understand the unprecedented delays this year and are being flexible. However, you should still document everything and be proactive in communicating with your school. The Department of Education has also advised schools to be accommodating with their priority deadlines for the 2025-2026 cycle specifically because of these processing delays.
This is excellent advice. I've already emailed my school with my confirmation details and they responded saying they're aware of the delays and will consider my FAFSA as meeting the priority deadline as long as I submitted before January 31st. Such a relief!
Has anyone actually gotten through on FSA's phone line lately???? I've tried 6 DIFFERENT TIMES this week alone and I can't get a human!!!! Either the call disconnects or the automated system tells me the wait is over 2 hours. This is absolutely RIDICULOUS!!!
I was in the same boat until I used Claimyr. The regular FAFSA phone line is completely overwhelmed right now. When I finally got through, the agent said they're getting 3x their normal call volume with the new FAFSA rollout.
just tried the claimyr thing and got through in 15 mins!! the agent said my application had been selected for verification which is why it was taking so long. at least now i know what's happening. thx for the recommendation
i would just wait a few days and see what happens. the fafsa system is always doing weird stuff. last year my brother's application randomly showed as "deleted" for like 48 hours then went back to normal with no explanation. the whole system is held together with duct tape and prayers lol
This is terrible advice. You should NEVER just "wait and see" with FAFSA issues, especially with deadlines approaching. Each day you wait could potentially push back your aid package or even affect your eligibility. Always address these issues immediately with your school's financial aid office or the Federal Student Aid office.
UPDATE: Mystery solved! I called my school's financial aid office this morning. Turns out they made a correction to the housing section of my FAFSA. I had marked "on campus" but I'm actually going to be living off-campus this fall. They said this might slightly affect my cost of attendance calculation but shouldn't impact my SAI or eligibility. Thanks everyone for your help!
Great to hear! And this is exactly why contacting your school first is almost always the best approach. Most FAFSA corrections are initiated by schools working to ensure your aid package is accurate.
They still should have TOLD YOU beforehand! This is what drives me crazy about the whole system. At least your change was minor.
wait ur talking about the $2200 housing deposit but have u figured out the total COA (cost of attendance)?? even with pell grants and institutional aid ur probly looking at at least 15-20k/yr out of pocket at minimum depending on the school. make sure ur looking at full picture!
The total COA listed on their website is approximately $72,000 per year 😬 We're hoping with our negative SAI, Pell Grant, state grant, and institutional aid that we'd get it down to something manageable with moderate loans. But without seeing an actual aid package, it's all just guesswork at this point.
Update: I spoke with our financial aid office director about this exact situation this morning. Her advice was to have you call and specifically request a "preliminary aid estimate based on your SAI" before the housing deposit deadline. Explain your situation clearly - that you cannot commit to the housing deposit without understanding your aid package. With a negative SAI at a school with an 80% discount rate, you'll likely receive substantial aid, but the exact composition matters. Ask specifically: 1. What percentage of demonstrated need does the school typically meet? 2. What's the average grant-to-loan ratio for students with negative SAIs? 3. Are there additional university grants you might qualify for? If you still can't reach someone by phone, send an email with "URGENT: Housing Deposit Deadline and Financial Aid Package" in the subject line, and copy the admissions office and dean of students. This often gets faster results.
Thank you for these specific questions! I'll try calling again tomorrow with these exact points. The grant-to-loan ratio is especially important to us. I wish they were more transparent about this whole process.
Marcus Marsh
Anyone tried filing a complaint with the Department of Education or contacting their congress person? After 3 months of this garbage with my twins' FAFSAs, I filed formal complaints everywhere and suddenly their applications started working. Coincidence? I think not.
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Seraphina Delan
•I hadn't thought about contacting our representative! That's a great idea. Where exactly did you file the formal complaints? Was there a specific website or form you used?
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Marcus Marsh
•I filed complaints through the Federal Student Aid Feedback Center (studentaid.gov/feedback-center/) and also emailed our congressional representative's office with specific details about the ongoing issues. The congressional office actually assigned a caseworker who followed up with me! Worth trying both approaches.
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Kristin Frank
update: we just tried the early morning thing that someone mentioned and IT WORKED!!!!! logged in at 5:15am and everything went through fine. after 2 months of nothing working. what a stupid system but at least its done now
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Seraphina Delan
•That's amazing news! Congratulations! I'm setting my alarm for 5am tomorrow to try it. It's ridiculous that we have to use these workarounds, but I'm just desperate to get this finished at this point.
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