Different SAI scores for my triplets on FAFSA - what does 16,000-17,000 SAI mean for aid eligibility?
I'm totally confused about these FAFSA results for my triplets. So far, I've received SAI scores for two of them, and they're different? One has an SAI of just over 16,000 and the other is around 17,000. This makes no sense to me since they're from the same household with identical financial info on their applications. Does this mean neither will qualify for any financial aid? The third SAI hasn't come through yet, and I'm worried it'll be something completely different too. What should I expect with these SAI numbers, and do I need to appeal or correct something? Are they eligible for ANY federal aid with SAIs this high? Do I need to do something special for multiple kids in college at once? This whole process is so much more complicated than I expected.
25 comments


Connor Murphy
Same thing happened with my twins!!! Different SAI scores even tho its the EXACT same financial info for both. The financial aid system is BROKEN. One of mine got 14,850 and the other was like 15,300. Makes absolutely no sense. I called them 15 times and kept getting disconnected or stuck on hold forever.
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Zainab Ali
•Did you ever get through to anyone? I'm getting really frustrated trying to figure out what to do next. Did your twins qualify for anything with those SAIs?
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Yara Nassar
The difference in SAI scores likely comes from small variations in how your children answered other questions on their FAFSA applications. Even identical financial information can result in different SAIs based on other factors. With SAIs of 16,000-17,000, your triplets may not qualify for Pell Grants (which typically require an SAI under 6,000), but they could still be eligible for: 1. Federal Direct Student Loans (both subsidized and unsubsidized) 2. Work-study programs at many schools 3. Institutional aid from the colleges themselves Also, having multiple dependents in college simultaneously should lower each student's SAI. On the 2025-2026 FAFSA, this is handled differently than in previous years, but it's still considered in the calculation.
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Zainab Ali
•Thank you for this detailed explanation! I had no idea they could still get loans and work-study with these SAIs. I was thinking Pell Grant or nothing. Do I need to contact the schools directly about the multiple children in college situation?
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StarGazer101
my kid got an SAI of 19000 and still got some money from the state university so don't panic yet. different schools have different cutoffs for their own scholarships and stuff. call the financial aid offices at the schools they applied to.
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Zainab Ali
•That's really reassuring to hear. I'll definitely contact their schools directly. Thanks!
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Keisha Jackson
I had this issue when I tried getting through to FAFSA for my kids last year too! After failing to get anyone for days, I used Claimyr (claimyr.com) to get through to a Federal Student Aid agent without the endless wait. They have a video showing how it works at https://youtu.be/TbC8dZQWYNQ. The agent explained that sometimes even slight differences in how questions are answered can cause different SAIs, and they helped me understand what my kids qualified for with similar SAIs to yours.
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StarGazer101
•does that actually work? i've been trying to call about my verification for like 2 weeks
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Keisha Jackson
•Yes it actually does! Saved me HOURS of frustration. Got through in about 10 minutes instead of being on hold forever or getting disconnected.
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Paolo Romano
Financial aid specialist here. The small difference between your triplets' SAI scores may be due to slight variations in how each child completed their portion of the FAFSA. The new 2025-2026 FAFSA calculation handles multiple children differently than the old EFC system. With SAIs in the 16,000-17,000 range, here's what your triplets likely qualify for: 1. Direct Unsubsidized Loans ($5,500-$7,500 per year depending on year in school) 2. Some Direct Subsidized Loans may be available 3. Federal Work-Study (varies by institution) 4. Parent PLUS loans (up to cost of attendance minus other aid) 5. Institutional aid and merit scholarships (varies widely) Your best next step is to wait for all three SAIs, then contact each school's financial aid office directly. Many schools have their own institutional aid that isn't tied to the federal SAI cutoffs. Having multiple students in college simultaneously often qualifies families for additional consideration.
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Zainab Ali
•This is incredibly helpful information, thank you! I was really confused about how having multiple children in college is factored in with the new FAFSA. Do you know if schools automatically see that we have multiple children in college, or do I need to specifically notify them?
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Paolo Romano
•The 2025-2026 FAFSA no longer automatically adjusts SAI for multiple children in college like the old system did. Schools should be able to see all family members, but it's absolutely worth contacting each financial aid office directly to ensure they're aware of your situation with triplets attending college simultaneously. Many institutions have special consideration processes for families with multiple students. Be sure to ask specifically about their policies for multiple children in college - it could make a substantial difference in your final aid packages.
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Amina Diop
A small difference in SAI can happen for a million reasons! My twins had a $900 difference and we eventually figured out it was because one of them put a different answer on the scholarship search permission question (which shouldn't affect SAI at all!) and one also had a tiny bit of income from a summer job. Definitely contact each school, because even with SAIs of 16-17k they might get institutional scholarships. The FAFSA is just one part of the puzzle!!!!
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Zainab Ali
•That's interesting! I think one of mine did have a small summer job last year that the others didn't. Maybe that's part of the explanation?
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Oliver Schmidt
U might wanna double check that they all put the same number of ppl in the household. My kids accidentally put different numbers and it caused different SAIs. Also check if maybe one filled out something about having their own income or assets that the others didn't. If there's a big enough difference might be worth asking for a professional judgement review from the schools.
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Zainab Ali
•Thank you, I didn't think about that. I'll ask each of them to log in and check exactly what they entered. If we find discrepancies, would I need to submit corrections?
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Yara Nassar
To answer your follow-up question - yes, you should contact each school's financial aid office directly about your triplets. The newer FAFSA doesn't automatically adjust for multiple students in college the way the old formula did. Many schools have their own forms or processes for considering this situation, often called a "special circumstances" or "professional judgment" review. Each school will handle this differently, so reaching out to each one individually is crucial. Have documentation ready showing that all three are enrolled. This could significantly impact their final aid packages, especially at private institutions that have more flexibility with their institutional funds.
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Zainab Ali
•Thank you! I'll start contacting all their schools right away. Should I wait until I have the third SAI before doing this, or go ahead with what I know now?
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Yara Nassar
•I'd recommend waiting until you have all three SAIs so you can present the complete picture to each school. In the meantime, you could email each financial aid office to ask about their specific process for considering multiple children in college. Some may have special forms or deadlines you'll need to know about. This way you're prepared to act quickly once you have all the information.
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Connor Murphy
The whole system is rigged anyway. My friend's kid got a waaaaay lower SAI than mine with basically the same financial situation. Literally the only difference is they own their house and we rent!! FAFSA is SO UNFAIR to the middle class!!
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Natasha Volkov
My daughter got an SAI of 15000 last year and still qualified for $7500 in federal loans plus got a decent merit scholarship from her school. Don't just look at the FAFSA results - apply for every private scholarship you can find too!
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Zainab Ali
•Thanks for the encouragement! I'll definitely look into outside scholarships too. Did your daughter get any subsidized loans with that SAI?
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Natasha Volkov
•Yes she did get some subsidized loans! I think about $3500 of the total was subsidized. The rest was unsubsidized. Every little bit helps!
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Emma Swift
Don't lose hope! I went through something similar with my twins a few years back. Even with SAIs around 16-17k, they both ended up with decent aid packages. Here's what I learned: 1. The small differences in SAI could be from tiny variations in how they answered questions - even things like student income from part-time jobs can affect it 2. Federal loans are still available at those SAI levels (both subsidized and unsubsidized) 3. Many schools have their own institutional aid that kicks in regardless of SAI 4. Having triplets in college simultaneously should help - make sure each school knows about this! My advice: Wait for that third SAI, then contact each school's financial aid office directly. Mention you have triplets all attending college and ask about their process for multiple children. Some schools have special consideration forms for this exact situation. Also, don't forget to apply for outside scholarships - there are tons out there that aren't tied to SAI at all. The FAFSA is just the starting point, not the end of the road!
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Liam O'Sullivan
•This is such a helpful summary! I'm new to all of this and feeling pretty overwhelmed, but your point about the FAFSA being just the starting point really puts things in perspective. Can I ask - when your twins contacted their schools about having multiple children in college, did the schools require any special documentation to verify this? I want to make sure I have everything ready when I reach out to my triplets' schools.
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