FAFSA

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Just a heads up - the "something within a week" is often their request for income verification. About 30% of FAFSA applications get selected for verification, where you need to provide additional documentation to confirm the income information on your FAFSA. If that happens, you'll need to submit documents like tax returns, W-2 forms, and possibly a verification worksheet. Don't worry if this happens - it doesn't mean you did anything wrong. Just respond promptly with the requested documents to avoid delays in her final aid package.

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Thank you for the heads up. Do schools typically tell you immediately if you've been selected for verification? Or might that come later?

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They usually tell you right away if you've been selected. The Department of Education flags applications for verification when they're processed, so schools know almost immediately. If you get that verification request, prioritize it - I've seen students lose out on aid because they missed verification deadlines.

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One important thing to understand about this year's FAFSA process: colleges are receiving FAFSA data in batches from the Department of Education, but the final SAI calculations are still being worked out. What most colleges are doing now is: 1. Confirming receipt of FAFSA data 2. Identifying any missing information 3. Selecting applicants for verification if needed 4. Preparing preliminary aid packages based on estimated SAI The "something" coming within a week is almost certainly step 1 or 2. Actual aid packages won't be finalized until all four steps are complete, which for most schools means March-April for regular decision applicants.

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This timeline helps a lot, thank you! I've been so confused by all the changes to the FAFSA this year. Is there anything specific we should be doing while waiting for steps 3 and 4?

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While waiting, I recommend: - Check the student portal frequently (often schools communicate there first) - Gather 2023 tax documents for both student and parents - Research and apply for external scholarships - If your financial situation has changed significantly since 2023, prepare documentation for a potential professional judgment appeal These steps will help you be ready when the school moves to the verification or packaging stages.

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I'm a bit confused about the numbers here. Are you saying you had $35,000 in unpaid interest that got capitalized? That seems extremely high unless your loan balance is well into six figures. Most IDR plans actually cover part of the interest to prevent excessive negative amortization. Could there be other issues with your account beyond just the missed renewal?

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I had Parent PLUS loans for three kids plus my own grad school loans consolidated into a Direct Consolidation Loan on an ICR plan (only option for Parent PLUS). Original amount was around $180k, and I've been paying for 8 years but never touching principal because my income-based payment only covers about 60% of monthly interest. So yes, that much unpaid interest accumulated over the years is unfortunately accurate.

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After reading all these comments, I'm getting flashbacks to my own nightmare with Navient when they transferred my loans to Aidvantage. The thing nobody mentioned yet is that the Department of Education actually released specific guidance about interest capitalization during servicer transfers in 2022. If your transfer happened after July 2022, they were NOT supposed to capitalize interest just because of the transfer itself. Pull up the FSA announcement from July 2022 about the new capitalization policies and specifically cite that in your complaints. The servicers hate when you know the actual policy documents!

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OMG this is gold! My transfer happened in February 2024, so well after that policy change. I'm going to look up that exact guidance document right now. Thank you so much for this info!

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my daughters school made her redo the fafsa twice and i never got any emails about it either time lol

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It's also worth noting that for the 2025-2026 FAFSA, FSA has made some changes to their communication system. They now send more updates to the student's portal inbox rather than email. Have your daughter check her studentaid.gov message center regularly, as important notices might be there rather than in email. The system has been a bit inconsistent this year with the rollout of the new FAFSA.

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Good to know! I'll make sure she checks that too. Is there any way for me to get access to see those messages or does she need to share them with me?

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She'll need to share those with you. Under FERPA (privacy laws), they can't give you direct access to her messages. Some families set up a shared email address specifically for college/financial aid stuff to make this easier, but that's more useful before submitting applications. At this point, your daughter will need to either forward messages or take screenshots to share them with you.

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my cousin waited 2 days after processed and my other friend waited like 3 weeks so who knows lol. the whole things broken this year

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UPDATE: I finally got through to someone at FSA! Turns out there was a verification flag on my application that wasn't showing up anywhere on the portal. I had to submit my parents' 2023 tax transcript and W-2s. The agent said once those are reviewed, my SAI should be generated within 3-5 business days. Just wanted to update in case anyone else is having similar issues. Always call and check if you're not seeing your SAI within a week of the "processed" status!

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Thanks for the update! This is unfortunately a common issue with the new system - verification flags that don't show up on the student portal. For anyone else reading this thread: about 30% of all FAFSA applications get selected for verification, and many students don't realize they've been selected because the notification system isn't working properly. Always worth calling if you don't see your SAI within 7-10 days of the "processed" status.

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This is exactly why I suggested asking about c-codes. A verification flag is one type of c-code. Glad you got it sorted out!

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I just went thru this exact thing!!! My situation was reverse tho - I moved back TO my kid's college state and took over FAFSA from my ex who moved away. The residency stuff worked out fine but we had a NIGHTMARE with the contributor switch because my ex had linked his bank accounts to the old FAFSA and somehow we couldn't unlink them without him being present which was impossible since he moved to Alaska! We had to do a whole appeal process and my daughter almost lost her second semester aid bcause of the delays!!! Start this process EARLY!!!!!

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Yikes, that sounds stressful! I'll definitely make sure we start early. The good thing is that I haven't linked any bank accounts to the FAFSA portal, so hopefully we won't run into that specific issue.

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One final note - your son should also check with his specific college's financial aid office about their process for documenting the change in which parent is providing support. Some schools require additional documentation to maintain in-state tuition when a parent moves out of state, while others will just need confirmation that the in-state parent is now the primary contributor on the FAFSA. It's best to get this clarified directly with the school to prevent any surprises with his tuition status.

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That's great advice. I'll have him schedule an appointment with his financial aid office to discuss this specific situation. Better to address it now than find out there's a problem later!

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