I just checked my FSA account and saw they updated my payment count! It looks like they're still counting payments during this period as long as you're making them on time. Maybe try logging in again to see if your account shows the same?

UPDATE: I finally got through to an FSA representative (used that Claimyr service someone mentioned - it actually worked!) and got some clarification. You all were right - the SAVE program legal challenges don't affect payment counting for existing IDR plans. The agent confirmed all my payments are still being counted, including recent ones. She helped me submit a payment count review since I'd had multiple servicers, and recommended I keep all my payment confirmations just in case. Such a relief! Thanks everyone for your help and advice. This whole system is still frustrating, but at least my timeline isn't being extended.

I'm honestly so confused by all of this. My daughter is also applying to colleges and some have Dec 1 deadlines, others Jan 15, and one Feb 1. Do I need to submit different FAFSAs at different times? And why does the form ask about parents' education if we don't qualify for need-based aid? The whole system seems designed to be complicated on purpose. I spent three hours on it yesterday and gave up.

Thanks everyone for your helpful responses! We're definitely going to submit the FAFSA and CSS Profile before the December 1st deadline. I'm still learning all the ins and outs of this process - it's so much more complicated than when I went to college. Does anyone know how long after submission we should expect to receive the SAI calculation? And will that be sent to us or just to the schools?

This happens when there's a mismatch between what you reported and what the IRS data retrieval tool imported. The system locks up because it can't reconcile the difference. I recommend: 1. Try logging in very late at night or early morning (system maintenance usually happens around 2-4am EST, but right after is often a good window) 2. Use the FAFSA correction form (you can download a PDF version from studentaid.gov/resources) and fax it to the number on the form 3. As others mentioned, your daughter's school financial aid office can often make these corrections directly Also, be sure you're using the most updated browser - sometimes older browsers conflict with their security protocols.

UPDATE: Finally got this resolved! I ended up doing three things simultaneously: 1. Used Claimyr to get through to an actual human at Federal Student Aid (THANK YOU for that suggestion - it actually worked!) 2. Contacted my daughter's school financial aid office 3. Faxed in the correction form The FSA agent confirmed there was a system-wide glitch affecting income verification corrections for many applicants. They made a note on our account and manually pushed our correction through. The school also submitted an override from their side. For anyone else dealing with this: DOCUMENT EVERYTHING. Take screenshots, save confirmation numbers, get agent names. The agent told me this has been happening to thousands of people with the new system rollout.

I had a similar issue and realized my student had to specifically select "Add a Parent/Contributor" in her FAFSA. Check if your student properly generated the invitation link for you - they expire after 14 days. Have them log in and check the "Action Required" section on their dashboard.

THIS IS WHY THE SYSTEM IS BROKEN!!! Why should parents have to jump through all these hoops and strategize about loans just to send their kids to college? The whole FAFSA parent contribution expectation is ridiculous. I make decent money but have 3 kids and the "expected family contribution" they calculate is LAUGHABLE. No normal family has that kind of extra cash sitting around!

To summarize the key points everyone has made: 1. Parent PLUS interest rates are fixed for the academic year regardless of credit score (pass/fail only) 2. You WILL save interest by borrowing only what you need for fall now 3. You'll pay the origination fee on each loan amount 4. If your credit improves significantly, you might qualify for better private loan rates for spring 5. Check with your school's financial aid office about their procedures for splitting the loan between semesters Given all this, your strategy does have merit, even if not for the exact reasons you initially thought.