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Just to add - don't forget that the Parent PLUS loan is also an option if the financial aid packages don't cover enough. That's what we ended up doing to fill the gap. It's not ideal because the interest rates aren't great, but it's there if you need it.
Thank you everyone for your helpful responses! I feel so much better now understanding that this is just the federal portion and not the complete aid package. We'll wait for the schools to send their financial aid offers before making any decisions. One more question - if one school offers significantly less aid than another, is it possible to ask them to match the better offer? I've heard some people have success with this approach but wasn't sure if it's common practice.
Yes, this is called a financial aid appeal or professional judgment review. If you receive a significantly better offer from a comparable institution, you can absolutely contact your preferred school's financial aid office and ask if they can reconsider their offer based on the competing offer. Be prepared to provide documentation of the better offer. Many schools have formal appeal processes, and success rates vary by institution. It's always worth trying, especially if your preferred school is similar in standing to the one that gave the better offer.
maybe try clearing browser cookies and using incognito mode? worked for me when I kept getting stuck on the contributor page last month
Update on our situation that might help others: After using the Claimyr service mentioned above (which actually worked!), we got through to a supervisor at FSA who fixed our technical issue. Then we submitted a formal appeal to our university's financial aid office with documentation of the FAFSA system errors. They ended up giving us a 14-day extension on all scholarship deadlines! Already got notice that our son qualified for two institutional scholarships we thought we'd missed. DOCUMENT EVERYTHING and be persistent with appeals!
My daughter is going thru the exact same thing right now!!! She submitted last week and her roommate already got the confirmation but she's still waiting. Makes no sense how they process these things. The financial aid world is so confusing for us parents. When I went to college we didn't have all this complicated SAI stuff. Just simpler times I guess.
Just checking back - did you ever get your confirmation number? If not, you should definitely call FSA directly at this point.
One more thing to consider: The Parent PLUS loan program requires a completed FAFSA. While these are parent loans (not student loans), they're available regardless of income and have better terms than many private lending options if your family ends up needing additional financing beyond what you qualify for directly. Even families with substantial incomes often use PLUS loans for the flexible repayment terms.
Update: I talked to my parents and showed them all your comments. They agreed to help with the FAFSA after I explained they could fill out their portion separately. We're going to sit down this weekend and get it submitted. Thanks everyone for the advice!
Morgan Washington
yeah its completley ridiculous!!! my nephew is going through the same thing right now and my sister is losing her mind. they need to fire whoever was in charge of this disaster and go back to the old system that actually WORKED! now my nephew might have to take a gap year because of this mess.
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Mohammed Khan
•A gap year is exactly what we're trying to avoid, but it's starting to feel like it might be the only option if we can't get clear information soon. Did your sister find any workarounds or is she just waiting like the rest of us?
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Kai Rivera
I was in the same boat last week - absolutely desperate after waiting since January. I finally got through to someone at Federal Student Aid after using that Claimyr service someone mentioned above. They connected me to an actual FSA agent who found that there was a small discrepancy in how we reported our retirement accounts that was causing the delay. They fixed it on the spot and our information was sent to schools within 3 days! Now we finally have aid packages coming in. Don't give up - sometimes it just takes reaching the right person who can actually help.
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Mohammed Khan
•That's really encouraging to hear! How long ago did you get your issue resolved, and how quickly did schools send aid packages after that? I'm trying to gauge realistic timelines here.
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Kai Rivera
•We got our FAFSA issue fixed last Thursday, and two schools sent preliminary aid packages by Tuesday. The other schools said they'll have something to us by next week. So about 3-5 business days for the first responses, and 7-10 days for the rest. Much faster than I expected once the FAFSA data actually arrived!
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