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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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Thanks everyone for the advice! I talked to Ford's HR department and confirmed it IS a qualified pension plan that needs to be reported. I also logged into studentaid.gov and found the "Add a Student" option right on the dashboard after logging in with my parent FSA ID. Good news - my son doesn't qualify as independent (he's 22 and has been living at home while working part-time). I'm going to add him today and estimate the yearly pension amount based on the monthly payments we've received so far. Hopefully this won't delay either of my kids' financial aid offers!
Ethan Brown
•Glad you got it sorted out! One more tip: after you add your son, I recommend calling the financial aid offices at both kids' schools to let them know about the updated FAFSA. Sometimes they don't get automatic notifications about changes, and this ensures both kids' aid packages will be processed properly.
Smart move calling Ford HR! If you do run into any issues with the updated FAFSA processing, don't waste hours on hold trying to reach Federal Student Aid. That Claimyr service I mentioned saved me so much frustration.
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Andre Dupont
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.
Carmen Lopez
•this is actually smart!!! never thought of splitting it up like that. like insurance for ur kids future lol
Ethan Taylor
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!
Jamal Wilson
•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!
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Amina Diallo
Thanks everyone for your advice! I'll definitely use some of the refund for my textbooks, but I'll try to find used copies or rentals when possible to minimize how much I spend. I appreciate all your help explaining how this works!
That sounds like a wise approach. Don't forget to check if your nursing program has specific textbook requirements - sometimes they require the most current editions due to medical information updates. In those cases, coordinating with classmates to share resources can also help reduce individual costs.
off topic but nursing textbooks r insanely priced!! my sister paid like $250 for ONE book last year. check if ur library has reserve copies, thats what she does now
Amina Diallo
•Yeah it's crazy! Our pharmacology book is $320 new. 😠That's a good tip about the library reserve copies - I hadn't thought of that option.
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Chloe Martin
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.
Evelyn Martinez
I finally got through to FAFSA last week after dealing with this exact problem! Here's what worked for me: First, I requested a callback through their automated system instead of waiting on hold. Then, when they did call back (about 3 hours later), I immediately asked for a "verification specialist" rather than explaining my problem to the first person. This got me transferred to someone who could actually help with the verification issue rather than wasting time with a general customer service rep who would just transfer me anyway. Hope this helps, and hang in there! The whole FAFSA process this year has been a nightmare for everyone.
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Jessica Nguyen
•Thank you for this tip about asking specifically for a verification specialist! I didn't realize they had different departments. I'll definitely try the callback option too - maybe that will prevent the mysterious disconnections.
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Isaiah Thompson
dont give up!!! my son almost lost his fall semester spot cuz of this exact FAFSA verification nightmare!! the system is broken but once u finally get thru to someone they can fix it pretty fast
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Jessica Nguyen
•Thank you for the encouragement! It helps knowing we're not alone in this struggle. I'm going to try all these suggestions tomorrow. Fingers crossed!
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