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btw if ur only getting sub/unsub loans why not just do a private loan? way less hassle and probably better rates if u have decent credit
I've thought about it, but federal loans have so many more protections - income-driven repayment, forbearance options, potential forgiveness programs. Private loans don't offer any of that flexibility.
Special circumstances are the WORST!!! My parents lost their business in 2023 and I had to do a special circumstances request. Took FOREVER and the school kept asking for more and more documents every few weeks. Make sure you call your financial aid office regularly - the squeaky wheel gets the grease! I swear they processed mine faster just to stop me from calling them lol
heres the number i used: 1-800-433-3243. but seriously it's pure luck getting through. my daughter just used her school's financial aid office computer lab and that worked way better
UPDATE: Success! I took several of your suggestions and finally got through. I used Edge browser at 5:30am this morning and was able to log in with no issues. Everything we had entered previously was still there. Then I called my daughter's school financial aid office and they confirmed they've extended their priority deadline by 2 weeks because of all the FAFSA technical problems. For anyone else struggling with this - try the early morning hours with Edge browser, and definitely contact your school's financial aid office directly! Thank you all for your help!
Quick note on timing: The 2025-2026 FAFSA should be available on October 1, 2024. However, after last year's delayed rollout and technical issues, I recommend checking the studentaid.gov website regularly for any announcements about the release date. Set a calendar reminder to complete it as soon as it's available, as some schools award institutional aid on a first-come, first-served basis.
Another important detail: Make sure you list the same schools on your 2025-2026 FAFSA that you'll be attending. Even if you're already enrolled when you complete it, you still need to include your school's code on the new application. Each FAFSA is treated as a separate application, and schools only receive the data for the specific aid years where you've listed them.
also don't forget to check ur email spam folder daily!! my daughters aid notification went to spam and we almost missed a deadline to accept it!!
To answer your question about estimating aid from the SAI - it's complicated. Each school uses the SAI differently based on their funding formulas. Some schools meet 100% of demonstrated need, others only a portion. You can use each school's Net Price Calculator (required on every college website) to get a rough estimate. Just know that these calculators vary in accuracy. If you're trying to plan your budget, I'd recommend assuming the worst case (minimal aid) until you get official offers. Many families are shocked by how different the actual offers can be from school to school, even with the same SAI.
Hassan Khoury
THE WHOLE SYSTEM IS BROKEN!! My daughter is in her 3rd year of medical school, TWENTY-THREE YEARS OLD, hasn't lived at home in 5 years, files her own taxes, pays all her own bills, yet STILL has to put our information on her FAFSA because she's not 24!!! She lost out on so much aid because of our income even though we can barely help her at all with the astronomical cost of medical school. And don't even get me started on the CSS Profile some schools require - it's even MORE invasive than FAFSA! The system is designed to prevent students from getting aid, not help them.
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Victoria Stark
•While the frustration is understandable, I want to clarify that the system isn't designed to prevent aid - it's just operating on outdated assumptions about family financial responsibility. The 24-year age threshold was established decades ago when fewer students were financially independent before that age. For medical students specifically, there are targeted loan forgiveness programs like Public Service Loan Forgiveness (PSLF) and state-specific programs for practicing in underserved areas. These can be more valuable in the long run than the need-based aid she might have qualified for as an independent student.
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Grace Durand
Thank you everyone for the helpful information! We've decided to: 1. Complete the FAFSA with our information as required 2. Request a professional judgment review with detailed documentation of her situation 3. Research nursing-specific scholarships and loans 4. Look into hospital tuition reimbursement programs in her area It's frustrating that the FAFSA rules don't account for these intensive healthcare programs where students truly are living independently year-round, but at least we have some options to explore. I'll update if we have any success with the professional judgment review!
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Steven Adams
•Great plan! One more tip: when submitting the professional judgment request, focus on any unusual financial circumstances your family might have rather than just the independent living situation. Financial aid offices have more flexibility to adjust for things like medical expenses, job loss, or supporting multiple college students simultaneously than they do for changing dependency status.
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