Financial aid advisor here. There's a lot of confusion in this thread I want to clear up: 1. For immediate help with potential default: Call your servicer and request an Administrative Forbearance specifically while you resolve the IDR application issues. They must grant this while paperwork is being processed. 2. For the tax return issue: You can submit alternative documentation of income (recent pay stubs) instead of tax returns for IDR qualification if you're having issues with your tax documents. 3. For long-term solutions: The new SAVE plan (replacement for REPAYE) caps undergraduate loan payments at 5% of discretionary income instead of 10%. 4. If you're unemployed: Your IDR payment should be $0 during this period. 5. Interest capitalization rules have changed under the new regulations - interest should not be capitalizing except in specific circumstances now. I recommend filing a complaint with the FSA Ombudsman if your servicer is providing incorrect information or not processing your applications properly.

I had a similar nightmare with defaulted loans. What eventually worked for me: 1. Filed a CFPB complaint against my servicer (surprisingly effective) 2. Got into the Fresh Start program to get out of default 3. IMMEDIATELY applied for income-based repayment with my $0 income 4. Requested a recalculation when I found employment The system is absolutely broken, but there are pathways through it. Don't ignore it though - that makes everything worse. And DOCUMENT EVERYTHING - dates of calls, who you spoke with, what they told you. This saved me multiple times when they tried to claim I hadn't submitted paperwork.

My daughter is in both groups and she says this one has been more helpful for her specific situation with the Parent Plus loan eligibility questions. The other group seems to have more first-gen college students who aren't getting parental support. Different needs maybe?

One more suggestion - maybe compile a list of the most helpful posts/resources from your group that aren't already covered here? That way we don't lose valuable information during the transition, especially with the 2025-2026 FAFSA changes still causing confusion for many applicants.

I'm going thru the exact same situation with my daughter's school (different top-tier college). We got a similar email basically saying "wait and see" but her roommate already got her full package for next year?! Makes no sense. The stress is killing me because we literally can't afford to continue without similar aid to what she received freshman year. Are we supposed to just wait until July or August to know if we can afford to return??

Update from the financial aid world: The Department of Education recently announced they're still experiencing significant delays processing 2025-2026 FAFSAs, particularly with the new SAI calculation system. Many schools are operating with incomplete information, which explains (but doesn't excuse) their vague responses. Here's the important part: federal student aid amounts (Pell Grants, subsidized loans, etc.) should still be available regardless of when your FAFSA is processed. It's the institutional aid (money from the college itself) that works on a first-come, first-served basis at many schools. I still recommend scheduling that direct conversation with financial aid to clarify exactly what your options are.

Why does the FAFSA website ALWAYS have issues right around deadline time? It's almost like they WANT students to miss out on financial aid. Been dealing with this garbage system for 3 years now. Every single year, same story, different error messages. 🙄

UPDATE: I tried the incognito mode + phone hotspot suggestion from @profile3 and IT WORKED!! Got past the error screen and was able to complete my entire application! For anyone else having this issue - definitely give this solution a try. Thank you all so much for the help!

btw make sure ur kid logs into the studentaid website every few days after u submit. my application got stuck in processing cuz they needed more info but never emailed me about it!!

Just to clarify on deadlines - while the federal deadline is June 30, 2025, many states and institutions have much earlier deadlines for their own aid programs. Since you mentioned a February deadline, I'm guessing that was your school's priority deadline. Immediately after submitting the new FAFSA, I strongly recommend following up with the financial aid office directly to explain the situation. They may have institutional funds they can still provide or might be able to consider you for aid programs where deadlines can be extended in special circumstances. Having this conversation sooner rather than later maximizes your options.