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Great to hear you resolved it! For anyone else reading this in the future - this is the correct process. The system requires both spouses to sign electronically when joint tax returns are used, but the second spouse generally only needs to provide demographic information and consent, not re-enter all the financial data.
wait so lemme get this straight, the govt shut down your lender for being predatory...but still makes u pay the predatory loan????? wtf kind of system is this??????
It's actually more nuanced than that. When the Department of Education terminates a servicer's contract, they're not necessarily declaring all loans they serviced as predatory. They're often citing contract violations, poor customer service, or mismanagement. The loans themselves are still valid federal obligations, but they get transferred to a different servicer who hopefully will manage them properly. That said, there are specific cases where loan discharge might be available - like the Borrower Defense to Repayment program if your school misled you, or servicer-specific settlement programs like we've seen with Navient.
UPDATE: Thanks everyone for your helpful responses! I've learned so much. I was able to confirm this is indeed a Parent PLUS loan at 7.9% interest that my mom took out for me, which explains the high interest rate. I've applied for an Income-Contingent Repayment plan and am also looking into consolidation options. I was also able to get through to someone at FSA (thanks for the Claimyr tip, it actually worked!) and they explained that several periods of deferment had caused interest capitalization, which is why the interest growth seems so extreme. They're sending me information about the specific borrower protections available in my situation. I feel much better now that I understand what's going on, even though the situation still isn't great. I'll update again once I hear back about the ICR application!
UPDATE: Finally got in! For anyone still having issues, I used Claimyr like someone suggested above and got through to an agent in about 15 mins. They confirmed they're having email system problems and helped me get a temporary access code that bypassed the email verification. My application is submitted now! If you're still stuck, definitely try calling through Claimyr or contact your school's financial aid office. Thanks everyone for the help!
omg it worked!! just got off phone with FSA and they fixed my account!! thanks for the claimyr tip, definitely worth it to not sit on hold for hours
Wait are we supposed to be filling out for 2025-2026 already? I thought we were still doing 2024-2025??
The current FAFSA application cycle is for 2024-2025 academic year. The 2025-2026 FAFSA won't open until October 2024. The original poster likely meant the 2024-2025 application that's currently available.
Quick update for everyone on this thread: Federal Student Aid just announced on their Twitter account yesterday that they've identified the parent signature bug and are rolling out a fix this week. They recommend NOT creating a new application, but instead waiting for the fix. If your deadline is imminent, they suggest having your school financial aid office submit a case number through their professional portal. This should prioritize your application.
This is really helpful information! I'll contact my daughter's financial aid office tomorrow to see if they can submit that case number. Do you know if there's anything specific I should ask them to do? Should I be getting some kind of confirmation number from them?
Yes, ask them specifically for a "FAFSA Signature Exception Request" and make sure they give you a case confirmation number. Keep that number for your records. Some schools are also providing temporary confirmation letters that you can use for scholarship applications while waiting for the official FAFSA to process.
Omar Zaki
When I applied for my son, his FAFSA was processed but showed 0 financial aid!!! They made a mistake because we definitely qualify. I had to call and call and finally got it fixed. The system is BROKEN. Make sure you appeal whatever they offer you - schools have more money than they admit!!! Don't take the first offer!!
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AstroAce
•Just to clarify - seeing that your FAFSA was "processed" doesn't mean you were awarded $0. The FAFSA processing is just the first step - it calculates your SAI. The actual aid awards come from each individual school later. But yes, appealing is sometimes possible if your financial situation has changed or if there are special circumstances not captured on the FAFSA.
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Emma Davis
UPDATE: I finally found the Student Aid Report! For anyone else looking, I had to click on "My Documents" and then download the PDF file. Our SAI is 8,482. I guess now we just wait to hear from the colleges about actual aid amounts. Thanks everyone for your help!
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CosmicCaptain
•Great! Yes, now you wait for each college to send their financial aid award letters. They'll use your SAI of 8,482 plus their own institutional methodology to determine grants, scholarships, work-study, and loans. Each package will look different based on the school's total cost and available funds. Keep an eye on your email and student portals for each college - sometimes they announce aid packages there first.
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