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One more important thing to check: does that $29,780 include EVERYTHING? Many schools advertise tuition only, but then have mandatory fees, housing requirements, meal plans, etc. that can add thousands more. Make sure you're looking at the TOTAL cost of attendance, not just tuition. If they're quoting you just tuition to match your aid, your actual costs will be much higher.
You're right - I just double-checked the financial aid letter. The $29,780 is labeled as "tuition only" and there's another $14,500 for "room and board" plus $1,200 for "mandatory student fees" in the fine print. So it's actually going to cost me WAY more than my aid covers. That feels deliberately misleading.
Exactly! This is unfortunately very common. When comparing schools, always use the full Cost of Attendance (COA) minus your total aid to determine your true out-of-pocket cost. Some schools offer lower tuition but higher fees, while others include more in the base tuition price. The only number that matters is what you'll actually pay.
Based on your update about the additional costs beyond tuition, I'd recommend these steps: 1. Request a Cost of Attendance (COA) breakdown from every school you're considering 2. Subtract all grants and scholarships (money you don't repay) from each COA 3. This gives you your "net cost" at each institution 4. THEN look at loans to cover that net cost Also, ask each school about their tuition guarantee or caps - some schools guarantee your tuition won't increase for 4 years, while others might increase 5-8% annually. This makes a huge difference in your total cost. Finally, remember that your financial aid package can be negotiated, especially if you have better offers from comparable schools.
I want to add an important detail about the transition from community college to a 4-year institution that many miss. For transfer students, there's often special "transfer scholarships" that aren't automatically considered with the general financial aid process. Make sure your son specifically asks about: - Phi Theta Kappa transfer scholarships (if he's a member) - Academic merit scholarships specifically for transfer students - Departmental scholarships from his intended major - Community college partnership scholarships (many 4-year schools have special relationships with local CCs) These are completely separate from the FAFSA/federal aid process and require separate applications with different deadlines. I've seen transfer students miss out on thousands in scholarships simply because they focused solely on FAFSA and didn't realize these other options existed.
i just remembered someting else..... make sure u tell ur son to request his official transrcipt from the community college ASAP!!! my son almost missed a deadline because they take forever to process those requests especially during graduation time. the university wont finalize his aid package without the final transcript!!
Update: Got my full aid package today! Even with fixing my dumb mistake, I still got processed faster than last year. My SAI is about $3,500 lower than last year too (which is good!), probably because my husband had some unpaid leave. Just posting to give everyone hope that the 2025-2026 FAFSA really IS working better than before!
I'm actually having a similar issue but with my date of birth. The system keeps rejecting it saying there's a mismatch with SSA records, but I'm 100% certain I'm entering my correct birthdate. Has anyone dealt with this specific error? I've tried calling but can't get through to anyone.
We did get selected for verification, but the financial aid office understood the situation. We explained we had to use this workaround because of the system limitations for parents without SSNs. They were fine with it once we provided the actual tax documents. The most important thing was getting the initial application through so they could start processing the aid package.
I'm a financial aid advisor at a community college, and I see this issue frequently. Here's what works consistently: 1. Have your daughter complete the FAFSA again electronically, entering 000-00-0000 for your SSN 2. For the parent without an SSN, you must use the paper signature page instead of creating an FSA ID (which requires an SSN). Have your daughter print the signature page after completing the online FAFSA, sign it manually, and mail it in. 3. Call the school's financial aid office immediately and let them know you've submitted with the signature page due to a parent without SSN. Many schools can work with a preliminary submission while waiting for the signature page to be processed. 4. Request the financial aid office to check if they can see the FAFSA in their system even before it's fully processed. Some schools can see pending FAFSAs and start preparing aid packages. 5. If all else fails, ask the school about emergency aid options or a payment plan while waiting for the official aid package. The good news is that schools understand these issues are common and most have procedures to help students in these situations.
Natasha Volkova
Also make sure they put in the correct Asset Net Worth and don't include their primary residence in that amount!!! I see SO MANY FAFSA forms where people accidentally include their home value and it totally messes up their SAI (Student Aid Index) calculation. The system doesn't catch this error and it can make it look like they have WAY more assets than they really do for aid purposes.
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GalaxyGuardian
•That's a great tip. I'm not sure if they own their home, but I'll definitely pass this along. So much to keep track of with the FAFSA!
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Amina Toure
Illinois has a FAFSA priority date of December 1st for state aid through the MAP Grant program, so they've already missed that for full consideration. However, they should still complete it ASAP as MAP Grants are awarded until funds are depleted. For citizenship documentation, they need: - Dates of citizenship for both student and parent - Alien Registration Numbers (if they had them before citizenship) - Be prepared to provide copies of naturalization certificates if selected for verification One more tip: When entering the parent's information, she should use EXACTLY the same name as it appears on her Social Security card. Any discrepancy can cause processing delays.
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GalaxyGuardian
•This is so detailed and helpful! I didn't realize Illinois had its own deadline - that's concerning. I'll pass all this information along and hopefully they can get it done this weekend. Thank you all so much for the advice!
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