Committed to college without seeing FAFSA financial aid package - big mistake?
I just put down my $500 non-refundable deposit at my dream school (Boston University) because the housing deadline was May 1st. The problem? I STILL haven't received my financial aid package based on my FAFSA results! My SAI score came in weeks ago, but the actual aid package is nowhere to be found. Now I'm panicking that I won't be able to afford it if the aid isn't good enough. Has anyone else committed to a school before seeing their final aid offer? Am I completely screwed if the package is less than expected? Can I negotiate with financial aid after already putting down a deposit?
25 comments


Sean Kelly
You're not alone in this situation. Many schools have their housing deadlines before financial aid packages are finalized, which puts students in a tough spot. First, call BU's financial aid office ASAP and explain your situation. They might be able to expedite your package. Second, yes - you can absolutely still negotiate even after submitting a deposit. Have documentation ready showing any special circumstances or competing offers from other schools. Most importantly, don't panic yet - many schools have appeals processes specifically for situations like yours.
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StellarSurfer
•Thank you for the reassurance! I'll call them tomorrow morning. Do you think I should mention that I have better offers from other schools even if I don't? I'm desperate at this point and worried they won't budge since they already have my money.
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Zara Malik
omg i did THE EXACT SAME THING last year!!! put my deposit down at Syracuse b4 seeing my package. ended up geting wayyy less than i thought i would. tried to appeal but they only gave me like 2k more. ended up having to withdraw and go to my state school instead. lost the deposit. it SUCKED.
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StellarSurfer
•This is exactly what I'm afraid of! Did you try calling them multiple times or sending documentation? I really don't want to lose my spot AND my deposit.
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Zara Malik
•yeah i called like 5 times and even went in person since i live kinda close. they just kept saying "we've offered all we can based on your FAFSA results" blah blah. my SAI was higher than i expected so they wouldn't budge much. hope u have better luck!!!
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Luca Greco
I work in college financing counseling, and this happens more frequently than you might think. Here's what you need to do: 1. Contact BU financial aid immediately - explain that you submitted your FAFSA months ago (provide the confirmation number) and need your package urgently. 2. Have your SAI (Student Aid Index) number ready when you call. 3. Be prepared with your family's specific financial circumstances that might warrant additional aid. 4. If your family has had changes in financial situation since filing taxes (job loss, medical expenses), gather documentation. 5. Yes, you can still negotiate after depositing, though your leverage is somewhat reduced. Many schools have contingency funds specifically for students in your situation. Don't give up hope yet.
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StellarSurfer
•This is incredibly helpful. My parents had some medical expenses that weren't reflected in our tax returns. Should I mention that specifically? And do schools really have extra funds they don't tell you about unless you ask?
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Luca Greco
•Absolutely mention the medical expenses - that's exactly the type of special circumstance that can warrant professional judgment adjustments. And yes, many schools have discretionary funds that aren't automatically factored into initial packages. They won't volunteer this information, but if you present compelling circumstances and documentation, financial aid officers often have flexibility to adjust your package. Be polite but persistent.
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Nia Thompson
You made a HUGE mistake!!! Never EVER commit to a school without knowing the full cost!!! Schools do this on purpose to trap students and then give them terrible aid packages when it's too late to go elsewhere. My cousin lost $1000 deposit this way and had to scramble to find another school in JUNE. The whole system is rigged against students!!!
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Sean Kelly
•While I understand your frustration, I think this perspective is unnecessarily alarmist. Yes, ideally students should have full financial information before committing, but many schools have legitimately different timelines for admissions and financial aid processing. Most institutions aren't deliberately trying to trap students - they're processing thousands of FAFSA applications with limited staff. There are established appeals processes precisely because schools understand these timing challenges.
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StellarSurfer
•You're really freaking me out here... Do you think there's ANY chance of getting out of this if the aid is terrible? I literally can't afford full price - I'd have to drop out anyway.
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Mateo Rodriguez
Just went through this with my son last year. Calling BU directly might be frustrating - we spent WEEKS trying to reach someone at his school's financial aid office with no luck. What finally worked for us was using Claimyr (claimyr.com) to get through to the Federal Student Aid helpline. We explained our situation, and they contacted the school directly which magically made things happen. They have a video demo at https://youtu.be/TbC8dZQWYNQ that shows how it works. Once we got FSA involved, the school suddenly found his "missing" paperwork and processed his aid package within days.
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Aisha Hussain
•does this actually work? never heard of it before
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Mateo Rodriguez
•Yes, it did for us. The school was ignoring our calls but couldn't ignore the Department of Education. Using the service to get through to FSA directly was the turning point. My son got his package finalized just in time to make a decision.
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GalacticGladiator
have u checked ur student portal at BU? sometimes they post the financial aid there but dont send an email. happened to me and i found my package was sitting there for 2 weeks lol
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StellarSurfer
•I've been checking the portal obsessively multiple times a day. There's nothing there except my admission letter and housing confirmation. The financial aid section just says "under review" ðŸ˜
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Zara Malik
i just remembered something my cousin did! she actually threatened to go to the media about how they took her deposit then gave her garbage aid. the financial aid office suddenly found an extra scholarship for her! might be worth a try if u get desperate???
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Sean Kelly
•I would strongly caution against this approach. Threatening a school rarely produces positive results and could potentially harm your relationship with the financial aid office. Professional, documented appeals with specific financial justifications are much more likely to succeed than threats.
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Luca Greco
Quick update on timing expectations: For the 2025-2026 application year, many schools are experiencing longer processing times due to the FAFSA Simplification Act changes. While frustrating, this is unfortunately normal right now. When you speak with BU, ask specifically about timeframes for pending aid packages. Also inquire about any provisional enrollment options that might give you more flexibility while waiting for final numbers.
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StellarSurfer
•Thank you for mentioning this. I've been hearing about FAFSA delays but wasn't sure if it was affecting aid packages too or just application processing. Is there any specific language I should use when asking about provisional enrollment? I've never heard of that before.
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Aisha Hussain
just wondering... what's your SAI? mine was 9842 and i got decent aid from most places
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StellarSurfer
•Mine is 12350. Not super low but definitely not high enough to afford BU without significant aid. My EFC last year (before they switched to SAI) was around 11000.
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Aisha Hussain
•oof that's tough... not low enough for full need-based aid but definitely not high enough to pay without help. fingers crossed for u!!
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Sean Kelly
After reading through this thread, I wanted to add one more thing: document EVERYTHING in your communications with the financial aid office. Note who you spoke with, when, what they promised, etc. This paper trail can be crucial if you need to escalate your case. Also, sometimes reaching out to the admissions counselor who recruited you can help - they often have influence with financial aid and want to keep their admitted students. Don't give up hope yet!
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StellarSurfer
•Thank you - this is great advice. I'm going to start keeping a log of all my communications starting tomorrow. Hopefully I won't need it, but better to be prepared.
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