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Thank you all for the advice! I called the community college's financial aid office this morning, and they confirmed that only my boyfriend (her legal father) should be listed on the FAFSA since we're not married. They said to have him report zero income and be prepared to provide a written statement explaining how our household expenses are covered if they request verification. The counselor mentioned this happens frequently with blended families, so we shouldn't worry too much. I appreciate everyone's help with sorting this out!
That's great! Getting confirmation directly from the college's financial aid office is always the best approach. They're familiar with these situations and can guide you through any verification process if it comes up. Best of luck to your stepdaughter with her college journey!
UGH why does the FAFSA have to be so COMPLICATED?? It's like they designed it to be confusing on purpose! And now with all the new changes to the 2024-2025 FAFSA it's even MORE confusing. Did your college say anything about the new SAI score vs the old EFC? I heard they're using a different formula now.
Yes, they've replaced the Expected Family Contribution (EFC) with the Student Aid Index (SAI), which uses a modified formula. For a household with a zero-income parent like in this case, the SAI will likely still be very low, possibly zero, which would maximize potential need-based aid. The main difference is that the SAI can actually go as low as -1500 in some cases, which wasn't possible with the old EFC system.
Great news! Glad you finally got your SAI. Did the number come in close to what you were expecting based on your financial situation?
WHY is nobody talking about how COMPLETELY BROKEN the new FAFSA system is?!? This is my third kid going to college and I've NEVER had these problems before. The Department of Education should be ashamed of themselves for rolling out this disaster and then just leaving families to suffer. They've had MONTHS to fix these problems and nothing has improved. Now thousands of students across the country are at risk of not being able to attend school because some government bureaucrats couldn't build a functioning website. Absolutely infuriating.
Exactly! I don't understand why this isn't headline news everywhere. My daughter might have to drop out because of these delays, and the silence from the Department of Education is deafening. Not even an acknowledgment of the problems or timeline for fixes.
Quick update on what finally worked for me: After getting through to FSA (using that Claimyr service I mentioned), I discovered our FAFSA was stuck because of an error with the parent contribution section. Even though we filled everything out correctly, their system had some glitch with how our W-2 info transferred. The agent manually overrode something in their system, and our SAI showed up in the school's system literally THE NEXT DAY. Federal loans were processed within a week after that. If you can just get someone on the phone who knows what they're doing, they can often fix these issues immediately. Hang in there - I know how stressful this is!
That's so helpful to know! I'm glad you finally got yours resolved. I'm trying that service today - at this point I'll try anything. Did they ask for any specific information when you called? I want to make sure I have everything ready.
Yes! Have these ready: - FSA ID and password for both student and parent - Social Security numbers for both - Any confirmation numbers you received when submitting - Dates you submitted applications - School's federal code - Your Data Release Number (DRN) if you have it The agent I spoke with was actually super helpful once I got through. He said they're dealing with unprecedented call volume, but the actual fixing of issues can be pretty quick when you reach someone. Good luck!
oh also i forgot to say make sure ur using ur adjusted gross income (AGI) not just total income. we made that mistake at first and had to fix it. the AGI is after all the business deductions so its usually way lower than total income for small business owners!
After you update your FAFSA with your actual tax information, I would recommend following up with the financial aid office with an email confirming you've made the update. Include your daughter's student ID number and the date you made the correction. This creates a paper trail and can help prevent delays if there are any issues with the electronic updates. Also, if your income for 2022 ends up being significantly different than 2021 (either higher or lower), be prepared to explain this to the financial aid office. Large changes can sometimes trigger additional verification steps.
Ashley Simian
update????? did u figure this out?? my nephew is having this same problem now and we're getting desperate!
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Alina Rosenthal
•Yes! We finally resolved it. Turned out it was two problems combined - I use Yahoo email (which was blocking the messages) AND my daughter had entered my phone number with a typo so the text verification wasn't coming through either. We used that Claimyr service someone mentioned above to actually get through to FSA, and they fixed it while we were on the phone. Got the invitation immediately after that and completed my portion. Her SAI calculation came through 2 days later.
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Taylor To
why is the system so BROKEN every single year?? 🤬 my daughter had to apply for loans instead of grants because the fafsa wasn't processed in time last year. the whole system is designed to fail i swear
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Finnegan Gunn
•Last year was especially bad with the completely redesigned system. My son applied in October and didn't get his SAI until February! But they did eventually process everything and adjusted his aid package retroactively. Did your daughter follow up with her financial aid office? They can often make adjustments even after initial awards.
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