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BEWARE that if your cousin gets any outside scholarships he HAS TO report them to financial aid office!!! My kid got a $2000 Kiwanis scholarship and didn't tell the school and they found out and REDUCED his aid package by $2000!!!! Said it was "scholarship displacement" which is COMPLETE BS but apparently legal in most states!!!!!
This is unfortunately correct in many cases. Federal rules require schools to adjust aid packages when outside scholarships create an "over-award" situation (total aid exceeding cost of attendance or financial need). However, good financial aid offices will try to reduce loans first rather than grants. Some states (Maryland, Pennsylvania, New Jersey) have passed laws against scholarship displacement, but it's still common practice elsewhere.
Thank you all SO much for this incredibly helpful information! I've made notes of all the key points: - Submit FAFSA as close to October 1 as possible - Check Michigan's March 1 deadline AND individual school deadlines - Look into the CSS Profile for private schools - Consider work-study opportunities - Be strategic about outside scholarships This has been so much more helpful than the confusing info on the financial aid websites. Really appreciate everyone taking the time to share your knowledge and experiences!
Happy to help! One last tip - make sure your cousin lists at least 4-5 schools on the FAFSA application, even if he's not 100% sure about applying to all of them. You can always add more schools later, but having them listed from the start ensures they get the information as early as possible. Best of luck to both of you!
Quick update for everyone in this thread - the Department of Education announced yesterday that they're experiencing higher than normal processing volumes right now, and some applications may take up to 10 business days to process. This is temporary and they're working to speed things up. If your application takes longer than 10 business days, then you should definitely contact them as something else might be wrong.
Thanks for the update! That explains a lot. I'll try to be patient for a few more days before panicking.
UPDATE: Just got my SAI this morning! Took exactly 5 business days. For anyone else waiting - hang in there! And thanks everyone for the advice about the housing application - I contacted the school and they said the FAFSA confirmation number is fine for now as long as I update them when I get my actual aid package.
One strategy I used when my son transferred from CC to university was splitting our savings between my Roth IRA (for the FAFSA protection) and paying down our mortgage (reducing countable assets while essentially "saving" by building equity). This worked really well for us - we got a much better aid package than expected. Just be careful with the Roth - you can only contribute earned income up to the annual limit. Don't exceed this or you'll face penalties that defeat the purpose of your strategy.
my brother put his kids college money in pokemon cards lol. but seriously just use a 529 cuz u can use it for the community college costs too not just when they transfer
The whole FAFSA process is DESIGNED to be difficult to discourage people from applying. Change my mind. They don't want to give out aid so they make the process as painful as possible. Notice how the glitches ALWAYS get fixed right AFTER the priority deadlines pass? 🤔
While I understand your frustration, these issues are actually the result of the major FAFSA Simplification Act changes being implemented. The system was completely overhauled for 2025-2026, and unfortunately, any large software deployment tends to have bugs. The Department of Education has actually extended many deadlines in recognition of these technical issues.
UPDATE: Thanks everyone for the helpful suggestions! I ended up following the advice to use a desktop computer with Chrome, and that solved my problem. For anyone else struggling with this issue, here's what worked: 1. Used Windows laptop (not iPad/mobile) 2. Cleared browser cache completely 3. Disabled Chrome autofill 4. Used keyboard Tab key to navigate between fields I was finally able to enter the correct DOB and complete my application. Now fingers crossed for a decent aid package!
Congrats!!! The feeling of finally submitting that form is SUCH a relief. Hope you get good news on your SAI score!!
Mohamed Anderson
i waited until december last year and the site crashed like crazy. took me THREE DAYS to submit because of all the errors. don't procrastinate like me lol. and if you get stuck, use the chatbot on studentaid.gov - it actually helped me fix an error when i couldn't figure out why my form wouldn't submit
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Abigail Patel
•Three days?! That's crazy! I'll definitely try to submit early. Thanks for the tip about the chatbot too!
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Daniel White
One more thing to check - make sure you're using an UPDATED browser when you go to submit. My sister tried using an old version of Internet Explorer last year and nothing worked right. Chrome and Firefox usually work best for the FAFSA site. And clear your cookies/cache if you run into weird errors!
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Abigail Patel
•Good call, I'll make sure to use Chrome when I apply. Thanks!
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