Bucknell not fully covering -1500 SAI - still $8500 gap after CSS Profile?
I just received my daughter's financial aid package from Bucknell and I'm honestly super disappointed. We have a -1500 SAI score (which I thought meant we'd get excellent aid), but they're still expecting us to pay $8,500 per year after scholarships and grants! We've already completed the CSS Profile and they're claiming this is their "maximum offer." I can't swing $8,500/year without taking out Parent Plus loans, which we really wanted to avoid. My daughter has her heart set on Bucknell, but at this point I'm thinking she might need to look elsewhere. Has anyone with a similar SAI (-1500 range) managed to get Bucknell to cover more? Any specific strategies for appealing? Secret codes to mention when talking to financial aid? I'm desperate here and running out of time before deposits are due.
25 comments


Hannah Flores
i went through this EXACT thing with Bucknell last year!! had a -1300 SAI and they still wanted us to pay like $7k after all aid. we appealed and got nowhere. ended up having to do parent plus loans anyway π«
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Dominic Green
β’Ugh, that's so frustrating! Did you try mentioning competing offers from other schools? We have a better package from Lafayette but my daughter really wants Bucknell.
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Kayla Jacobson
Former college financial aid counselor here. Many people don't realize that even with an excellent SAI score, private universities like Bucknell aren't obligated to meet 100% of demonstrated need. Each school has their own financial aid formula beyond just the FAFSA SAI calculation. I would recommend: 1. Request a formal financial aid appeal - specifically mention any circumstances not captured in your FAFSA/CSS Profile (medical expenses, caring for elderly relatives, recent job changes) 2. If you have better offers from similar-caliber schools, provide those documents during your appeal 3. Ask specifically about merit scholarships your student might qualify for that are separate from need-based aid 4. Inquire about work-study opportunities that could offset some costs Many schools hold back some discretionary funds for appeals, so it's always worth trying.
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Dominic Green
β’Thank you so much for this detailed advice! We do have some medical expenses from my husband's surgery last year that weren't really captured in the forms. I'll definitely request a formal appeal and mention these points specifically.
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William Rivera
Just wanna say the whole college pricing system is RIGGED!!!! These fancy private schools advertise how generous they are but then still expect families with NEGATIVE SAIs to pay thousands. It's all a big scam to make you feel like you're getting a "discount" from their inflated sticker price. Meanwhile they're sitting on BILLION$ in endowments. π€¬
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Grace Lee
β’YES! π― This! My nephew got into Bucknell with -2000 SAI and still had an $11k gap. They don't care about actual need, just filling seats with people who can pay.
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Mia Roberts
I successfully appealed our aid package at Bucknell two years ago and got an additional $3,500 per year. The key was providing detailed documentation of everything. Our SAI was around -900, so not quite as low as yours, but still negative. Make sure you: 1) Address it to a specific financial aid officer (call to get a name first) 2) Include ALL competing offers with official documentation 3) Be very explicit about the exact amount you need to make it work 4) Have your student write a personal letter explaining why Bucknell is their first choice Be prepared for lots of back and forth. We had to call the financial aid office almost daily for two weeks, which was incredibly frustrating. They kept putting us on hold for 30+ minutes or dropping our calls entirely.
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The Boss
β’This advice is spot on. I worked in admissions at a similar private college, and the "squeaky wheel" approach really does work. The more persistent you are (while remaining respectful), the more likely they'll find additional funds for you. They have discretionary money set aside specifically for these situations.
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Dominic Green
β’Thank you for the detailed strategy! Did you have to physically mail in your appeal or could you email it? And approximately how long did it take to get a response after all that calling?
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Evan Kalinowski
Have you tried using Claimyr to reach someone at Federal Student Aid to discuss your SAI calculation? I was having a similar issue (negative SAI but still huge gaps at private schools) and couldn't get answers from anyone. I used their service at claimyr.com to get through to an actual FSA agent who verified my SAI was calculated correctly but also explained some nuances about how private schools interpret it. They have a video demo at https://youtu.be/TbC8dZQWYNQ that shows how it works. It bypasses the hold times completely. The agent I spoke with gave me specific language to use in my appeals.
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Dominic Green
β’I hadn't heard of this service before! I'll definitely check it out. Did the FSA agent actually help you get more aid from the school or just explain the system better?
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Evan Kalinowski
β’They couldn't directly increase my aid from the school, but they confirmed my SAI calculation was correct and explained exactly how schools can still have gaps even with negative SAIs. The most helpful part was they gave me specific language to use in my appeal letter that referenced federal guidelines. Made my appeal sound much more official.
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Grace Lee
my daughter ended up choosing a state school because of this exact issue. even with our -1200 SAI these private schools wanted us to pay $10k+ per year. its ridiculous!!!
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Dominic Green
β’We're considering state schools as a backup too. It's just so disappointing when they advertise how they meet financial need and then... don't.
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The Boss
One strategy that worked for us with a similar situation at another prestigious private college: request a meeting with both financial aid AND admissions together. Often admissions has separate merit scholarships they can offer if they really want your student. Also, sometimes schools have specific supplemental grants for students pursuing certain majors or activities. What is your daughter planning to study? There might be departmental funds available.
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Dominic Green
β’She's planning to major in Environmental Engineering. That's a great point about department-specific funding. I hadn't thought to check if there are engineering scholarships! And I love the idea of getting admissions involved too, since they were very enthusiastic about her application.
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Hannah Flores
one more thing - for bucknell specifically, check if your daughter qualifies for the posse scholarship, mcguire scholars, or the arts merit scholarships. those can be stacked on top of need-based aid and might help close the gap!
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Dominic Green
β’Thank you for the specific scholarship suggestions! She's very involved in theater so maybe the arts scholarship could be an option. I'll research all of these today.
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Kayla Jacobson
Update on my earlier advice: If your appeal doesn't work out, consider asking Bucknell about their monthly payment plan option. Most families find breaking the $8,500 into 10 monthly payments of $850 more manageable than taking out additional loans. Also, some private scholarships allow applications even after you've started college, so you could potentially reduce costs for sophomore through senior years.
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Dominic Green
β’The monthly payment plan is definitely something to consider. $850/month would be tight but possibly doable without loans. Are there any downsides to these payment plans I should know about?
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Kayla Jacobson
β’The main downside is that most payment plans require you to start payments during the summer before each academic year. So you'd need to start making payments around June/July for the fall semester. Also, some schools charge a small enrollment fee ($50-100) to use the payment plan. But compared to loan interest, it's usually much more cost-effective in the long run.
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Fatima Al-Mansour
I'm in a very similar boat with my son and Bucknell! We have a -1800 SAI and they're still expecting us to pay $9,200 annually. It's so frustrating because their website makes it sound like families with negative SAIs should get full coverage. I've been lurking in this community for months reading about everyone's experiences, and based on what I've seen here, I'm planning to submit a formal appeal next week. We have some documentation about my wife's reduced hours due to caring for her elderly mother that wasn't fully captured in our CSS Profile. Reading through all these responses gives me hope that persistence really does pay off. Thank you everyone for sharing your strategies - especially the tip about getting admissions involved and checking for department-specific scholarships. My son is interested in business, so I'll definitely look into what the business school might offer. Has anyone had success appealing this late in the process? We're getting close to deposit deadlines and I'm worried we've missed our window.
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Kevin Bell
β’Welcome to the community, Fatima! You're definitely not too late - I've seen successful appeals happen right up until the deposit deadline. The reduced hours for eldercare is exactly the kind of circumstance that schools often don't capture well in their formulas, so definitely highlight that in your appeal. Since your son is interested in business, Bucknell's Freeman College of Management actually has several merit scholarships that can stack with need-based aid. I'd also recommend reaching out directly to their business school dean's office - sometimes they have discretionary funds for students they really want to recruit to their program. Don't lose hope! With a -1800 SAI, you absolutely should be getting better coverage than what they've offered initially. The fact that you have specific documentation about the eldercare situation gives you a strong case for appeal.
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Chloe Taylor
As someone who's been through this process with multiple kids, I want to emphasize that you absolutely should not give up on appealing! I've seen families with similar SAI scores successfully get additional aid from Bucknell, but it requires being very strategic and persistent. A few additional tips based on what I've learned: 1. When you call the financial aid office, ask to speak with a senior counselor or the director - not just whoever answers the phone. The front-line staff often can't make decisions about additional funding. 2. Frame your appeal around "changed circumstances" rather than just asking for more money. Even if your financial situation is the same, emphasize anything that wasn't fully captured (like the medical expenses you mentioned). 3. If you have any connection to Bucknell alumni, now is the time to reach out. Sometimes a well-placed phone call from a donor or active alum can make a difference. The squeaky wheel really does get the grease in financial aid. Don't be afraid to be politely persistent - they have money set aside for exactly these situations, but they won't offer it unless you ask (repeatedly). Your daughter's stats must be strong if Bucknell accepted her, so they clearly want her there. Use that to your advantage in negotiations!
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Connor Gallagher
β’This is incredibly helpful advice, thank you! I hadn't thought about asking specifically for a senior counselor when I call. I've been getting bounced around between different people and it's been so frustrating. The point about framing it as "changed circumstances" is really smart too - I can definitely emphasize how the medical expenses and eldercare situation weren't properly reflected in our original forms. Unfortunately we don't have any alumni connections, but I'm definitely going to be more persistent with my calls. Reading everyone's success stories here gives me hope that we can get somewhere with this appeal!
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