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Dyllan Nantx

Do I have to repay FAFSA grants if I temporarily stop attending community college?

I'm panicking a bit about my financial aid situation and hoping someone can help. I've been taking classes at my community college for the past year using Pell Grants (no loans yet, thankfully). My plan was to complete prerequisites and apply for the nursing program, but due to some family issues, I need to take a break from school for at least 2 semesters. Do I have to repay my FAFSA grants since I'm stopping before getting my degree? I'm worried the Department of Education will make me pay everything back even though I'm planning to return. I've tried researching this but found conflicting information. Some websites say grants are only repaid if you withdraw during a semester, others say you need to finish your degree program. My SAI was really low so I qualified for the maximum Pell amount, which is why I'm so worried about potentially owing thousands. Has anyone dealt with this? Will I get hit with a huge bill for taking time off?

You generally don't have to repay grant money just for taking a break between semesters. Pell Grants only need to be repaid in specific situations: if you withdraw from classes during a semester (causing a Return to Title IV calculation), if you drop below half-time enrollment during a semester, or if your enrollment status changes affecting your eligibility. Since you're finishing your current semester and then taking a break, you should be fine. However, keep these things in mind: 1. There is a lifetime limit on Pell Grants (equivalent to 12 full-time semesters) 2. If you're out of school too long (usually 180 days), your loans might enter repayment if you have any 3. When you return, you'll need to complete a new FAFSA for that academic year I recommend contacting your school's financial aid office to notify them of your plans. They can document this and give you specific advice for your situation.

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Dyllan Nantx

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Thank you SO much for the detailed answer! That's a huge relief. I was having nightmares about getting a bill for thousands of dollars. I will definitely talk to my financial aid office before I finalize my break. Do you know if taking this break will affect my eligibility when I come back? I'm still within my first 4-5 semesters of Pell.

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Anna Xian

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DOUBLE CHECK WITH YOUR SCHOOL!!!! I had a similar situation in 2022 and ended up having to pay back $1,200 because I didn't officially withdraw - I just stopped attending. There's a HUGE difference between formally withdrawing and just not registering for the next semester. If you're in the middle of a semester right now and stop going, you WILL have to pay back a portion of your grant. If you're between semesters, you're probably fine but STILL check with your FA office!!!

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This is true - happened to my roomate too. Theres a diff between stopping between semesters and stopping during

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Dyllan Nantx

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Oh that's scary! I'm finishing this current semester completely, not dropping any classes mid-semester. I'm planning to take a break after all finals and grades are posted. But you're right, I should definitely confirm everything with financial aid to be safe.

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Rajan Walker

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I work in higher ed (not financial aid specifically), but I can tell you that Pell Grants don't typically need to be repaid just for taking a break between semesters. The main situations where you'd have to repay are: 1. Withdrawing during a semester (partial repayment based on attendance percentage) 2. Receiving aid you weren't eligible for due to an error 3. Not meeting Satisfactory Academic Progress requirements Since you're completing your current classes and then taking a break, you should be fine. That said, when you return, be aware your SAI calculation might change if your or your family's financial situation changes. Also, you'll need to meet SAP requirements (usually at least a 2.0 GPA and completing ~67% of attempted credits).

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Dyllan Nantx

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Thank you for the expert insight! I definitely have above a 3.0 GPA and have completed all my classes so far, so hopefully SAP won't be an issue. I'm relieved to hear that taking a break between semesters shouldn't trigger repayment. This has been keeping me up at night!

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my brother had to repay his pell grant when he stopped going but that was bcuz he failed all his classes the last semester he was there. if ur passing ur classes and just don't register for next semester ur probly ok but you gotta contact the fin aid office to be sure cuz every school has different rules

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Dyllan Nantx

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Thanks for sharing that! I'm definitely passing all my classes (mostly As and Bs), so hopefully I won't have the same issue as your brother. I'm going to contact the financial aid office tomorrow just to be 100% certain.

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Have you tried calling the Federal Student Aid info center directly? I spent THREE DAYS trying to get through to them about a similar issue last month - kept getting disconnected or wait times of 2+ hours. Finally I used Claimyr (claimyr.com) to connect with them and got through in about 15 minutes. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ The FSA agent I spoke with confirmed that Pell Grants don't need to be repaid if you complete a semester and then take a break. They can give you the official answer straight from the Department of Education rather than relying on potentially outdated info online.

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Dyllan Nantx

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I hadn't thought of calling FSA directly - that's a great idea! Those wait times sound horrible though. I'll check out that Claimyr service if I can't get clear answers from my school. Thank you for the suggestion!

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Ev Luca

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i took a break for 3 semesters and didn't have to pay anything back. just make sure you don't drop classes in the middle of the term. as long as you finish the semester youre currently in you should be fine. the bigger issue might be when you go back - you'll probably need to file a new fafsa and your aid package might be different

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Same here, took a year off after completing all my classes for that semester, no issues at all when I came back

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Anna Xian

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There's also a difference between different kinds of grants! Pell Grants are federal and follow federal rules. But if you have state grants or institutional grants from your school, they might have different requirements. Some state grants require continuous enrollment or have progress requirements. Check ALL your aid sources!

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Dyllan Nantx

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That's a really good point I hadn't considered! I have a small state grant too, so I need to ask specifically about that one. Thank you for pointing this out - I was only thinking about the Pell Grant.

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Rajan Walker

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One important thing to keep in mind - when you return to school after your break, you'll need to maintain Satisfactory Academic Progress (SAP) to remain eligible for aid. Most schools check this annually, and you need: 1. A cumulative GPA of at least 2.0 2. A completion rate of 67% of all attempted credits 3. To be on track to complete your program within 150% of the published timeframe If you've been doing well in your classes so far, this shouldn't be an issue. But it's something to be aware of when you return to school after your break.

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Dyllan Nantx

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This is really helpful information! I'm definitely meeting all those requirements currently (3.4 GPA and I've completed every class I've started). I'll make sure to keep this in mind for when I return. Would taking too long of a break affect the third requirement about completing within 150% of the timeframe?

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Rajan Walker

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The 150% timeframe is based on actual attempted credits, not calendar time. So a break itself doesn't count against you. For example, if your nursing program requires 60 credits, you have up to 90 attempted credits to complete it. Time off between semesters doesn't affect this calculation.

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After reading through all the responses, I think you've gotten good advice. To summarize: 1. Pell Grants generally don't need to be repaid if you complete your courses and take a break between semesters 2. Always check with your financial aid office about your specific situation 3. Be aware of any state or institutional grants that might have different rules 4. When you return, file a new FAFSA for that academic year 5. Maintain SAP requirements (GPA, completion rate) 6. Keep track of your Pell Lifetime Eligibility Used (LEU) - the current limit is the equivalent of 12 full-time semesters Wishing you the best with your nursing program when you return!

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Dyllan Nantx

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Thank you so much for summarizing everything! This thread has been incredibly helpful and reassuring. I'm going to talk to my financial aid office tomorrow just to be 100% certain about my specific situation, but I feel much better knowing that simply taking a break between completed semesters shouldn't trigger repayment. I appreciate everyone's help!

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Just wanted to add one more thing that might be helpful - if you're planning to return to the same community college after your break, consider reaching out to your academic advisor as well as financial aid. They can help you plan your return timeline around application deadlines for the nursing program and make sure you don't miss any important dates. Some nursing programs only accept students once or twice a year, so timing your return properly could save you from having to wait even longer to start the program. Also, they might be able to put you in touch with other students who took breaks and successfully returned - it's more common than you think! Good luck with everything and I hope your family situation improves soon.

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Chris Elmeda

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I went through something very similar last year! I had to take a break from my community college for family reasons too, and I was terrified about having to repay my Pell Grant. Like others have said, you should be fine as long as you complete your current semester before taking the break. One thing I wish I had done was getting everything in writing from my financial aid office - not just a verbal confirmation, but an email or letter stating that my break wouldn't affect my grant eligibility. This gave me peace of mind and also served as documentation when I returned to school. Also, if you haven't already, look into whether your school offers any emergency financial assistance or counseling services that might help with your family situation. Sometimes there are resources available that can help you continue your education without having to take a full break. But if you do need to take time off, you're making the right choice by finishing your current semester first! Hope everything works out for you and your family! 💙

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That's really smart advice about getting everything in writing! I hadn't thought about that but it would definitely give me peace of mind to have official documentation. I'll make sure to ask for an email confirmation when I meet with financial aid tomorrow. And thank you for mentioning emergency assistance - I should ask about that too, even though I'm pretty sure I need to take the break. It's reassuring to hear from someone who went through the same thing and came out okay on the other side. Thank you for the encouragement! 💙

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I'm a financial aid counselor at a community college, and I want to reassure you that you're asking the right questions and taking the right approach. Based on what you've described, you should NOT have to repay your Pell Grant for taking a break between completed semesters. The key points others have mentioned are correct: - Complete your current semester successfully (which you're doing) - Don't withdraw mid-semester - Get documentation from your financial aid office about your situation A few additional tips from my experience: 1. When you meet with financial aid, ask about a "Leave of Absence" form if your school has one - this creates an official record of your planned return 2. Make sure your contact information stays current with the school so they can reach you about any policy changes 3. Consider taking just one online class during your break if possible to maintain some momentum (though this isn't required for aid purposes) Your family situation is important and taking care of that should be your priority. Students successfully return from breaks all the time, and nursing programs understand that life happens. You've got this! Feel free to update us after you talk to your financial aid office - it might help other students in similar situations.

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Aidan Percy

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Thank you so much for the professional perspective! It's incredibly reassuring to hear from someone who works in financial aid directly. I really appreciate the additional tips, especially about the Leave of Absence form - I'll definitely ask about that tomorrow. The idea of taking one online class during my break is interesting too, though I'm not sure if I'll be able to manage even that given my family situation. I'll definitely update everyone after I meet with my financial aid office - you're right that it could help other students who might be in similar situations. Thank you for the encouragement and for taking the time to share your expertise!

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Mateo Sanchez

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I just wanted to jump in and say how helpful this entire thread has been! I'm actually in a very similar situation - I'm at community college on Pell Grants and may need to take a break next year for personal reasons. Reading through everyone's experiences and advice has been so reassuring. A few things that really stood out to me: - The importance of finishing your current semester completely before taking the break - Getting official documentation from financial aid in writing - Checking on ALL types of aid (federal, state, institutional) since they may have different rules - The distinction between stopping mid-semester vs. between semesters @Dyllan, I hope everything goes well when you meet with your financial aid office tomorrow! Please do update us if you can - like the financial aid counselor mentioned, it would definitely help other students who might face similar situations. It's also really heartwarming to see how supportive this community is. Financial aid can be so stressful and confusing, but having people share their real experiences makes such a difference. Thank you to everyone who took the time to help!

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Lucy Lam

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@Mateo, I'm so glad this thread has been helpful for you too! It's really reassuring to know that other students are in similar situations and that we can support each other through these stressful financial aid questions. The community here has been amazing - I was honestly panicking when I first posted, but everyone's shared experiences and advice have made me feel so much more confident about handling this situation properly. I'll definitely update everyone after my meeting tomorrow. Hoping your personal situation works out well too, and that you'll have just as smooth of an experience if you do need to take a break. It's nice to know we're not alone in dealing with these kinds of life challenges while trying to pursue our education!

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Jamal Harris

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As someone who works with financial aid appeals and SAP issues, I want to emphasize something important that hasn't been fully addressed yet: document EVERYTHING related to your family situation that's causing you to take this break. While you likely won't need to repay your Pell Grant for taking a break between semesters (as others have correctly stated), having documentation could be crucial if you ever need to appeal any financial aid decisions in the future or explain gaps in your academic progress to the nursing program. Keep records of: - Dates of your break and planned return - Any medical documentation if health issues are involved - Financial hardship documentation if applicable - Communication with your school about the break Also, some nursing programs are very competitive and look at factors like continuous enrollment or time gaps in education. Having official documentation of legitimate reasons for your break could help when you apply to the program later. The good news is that community colleges are generally very understanding about students who need to take breaks for family reasons - they see it all the time. Just make sure you cross all your t's and dot all your i's with the financial aid office, and you should be able to return without any issues when you're ready.

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Ashley Simian

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This is such valuable advice about documentation that I hadn't even considered! You're absolutely right that having everything properly documented could be crucial down the line, especially for competitive programs like nursing. I'll make sure to keep detailed records of everything related to my family situation and all my communications with the school. It's a great point about nursing programs potentially looking at enrollment gaps - I want to make sure I have a clear paper trail showing this was a legitimate family emergency and not just academic issues or lack of commitment. Thank you for thinking ahead to potential future complications that the rest of us might not have considered!

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I'm a nursing student who had to take a semester break two years ago for similar family reasons! I want to echo what everyone else has said - you should be totally fine as long as you complete your current semester. One thing I'd add that might be specifically helpful for nursing: when you do return and apply to the nursing program, be prepared to explain your gap during interviews or in your application essay. Most programs are very understanding about family emergencies, but they want to see that you're committed to finishing once you start the program (since nursing programs are so intensive and have limited spots). I actually think taking time to handle your family situation shows maturity and good prioritization - nursing programs want students who can handle life challenges while maintaining their studies. When I applied after my break, I was honest about why I took time off and how it actually strengthened my resolve to become a nurse. Also, use this time to maybe volunteer at a hospital or clinic if your family situation allows - it can strengthen your nursing application and keep you connected to healthcare while you're away from school. You're making the right choice putting family first. The education will still be there when you're ready to return!

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Ravi Gupta

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Thank you so much for sharing your experience as a nursing student who went through something similar! It's incredibly encouraging to hear that you successfully returned and were able to use your experience positively in your nursing application. I hadn't thought about framing the break as showing maturity and prioritization skills - that's such a helpful perspective. The advice about volunteering during my break is really smart too. I'll definitely look into hospital or clinic volunteer opportunities once my family situation stabilizes a bit. It would be great to stay connected to healthcare and show continued commitment to the field. It's reassuring to know that nursing programs are generally understanding about these kinds of life circumstances. I was worried they might see any gap as a red flag, but you're right that being able to handle challenges while maintaining focus is probably exactly what they want in their students. Thank you for the encouragement about putting family first - sometimes it's hard not to feel guilty about stepping away from school, but you're absolutely right that the education will still be there when I'm ready. Your success story gives me a lot of hope!

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Levi Parker

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I'm really impressed by how thorough and supportive this discussion has been! As someone who's been lurking in this community for a while, this thread perfectly shows why this place is such a valuable resource for students navigating financial aid. @Dyllan, it sounds like you've gotten excellent advice from people with real experience - both students who've been in your shoes and professionals who work in financial aid. The consensus seems very clear that completing your semester and then taking a break shouldn't trigger any Pell Grant repayment. I wanted to add one small thing that might help: when you do meet with your financial aid office tomorrow, consider asking if they have any informational handouts or resources about taking breaks from school. Many schools have written policies or FAQ sheets about this exact situation that they can give you to keep for your records. Having something official from your school explaining the process might give you additional peace of mind. Also, don't forget to take care of yourself during this stressful time. Dealing with family issues while worrying about financial aid is incredibly overwhelming, but you're handling it really responsibly by finishing your semester and getting proper guidance before making any decisions. Looking forward to hearing how your meeting goes! This thread is going to be such a helpful resource for future students in similar situations.

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Sasha Ivanov

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@Levi, thank you for that thoughtful addition! Asking for written policies or FAQ sheets is such a practical suggestion - I definitely want to have as much official documentation as possible. You're right that this thread has been incredibly helpful and supportive. When I first posted, I was honestly in panic mode thinking I might owe thousands of dollars, but everyone's shared experiences and professional insights have been so reassuring. I really appreciate the reminder to take care of myself too. It's been a really stressful few weeks trying to balance family issues with staying on top of my coursework, and worrying about the financial aid piece was just adding to the anxiety. But this community has made me feel so much more confident about handling everything properly. I'm meeting with financial aid in a few hours and will definitely ask for any written materials they have. I'm also going to make sure to get everything we discuss in writing via email follow-up. Thank you to everyone who has contributed to this thread - I'll update you all on how it goes! This has been such a lifeline during a really tough time.

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Sean Doyle

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I'm really glad to see how this thread has evolved into such a comprehensive resource! As someone who's been following along, I wanted to add a quick tip that might be helpful for anyone in similar situations: If you're worried about keeping track of all your financial aid details during a break, consider creating a simple folder (physical or digital) with copies of: - Your Student Aid Report (SAR) from your FAFSA - Award letters from your school - Any correspondence with financial aid - Documentation of your completed coursework/grades - Records of any communication about your break This makes it much easier when you return to school and need to reference your aid history or if any questions come up. I learned this the hard way when I had to dig through old emails trying to find financial aid information from a previous year! @Dyllan, hoping your meeting goes smoothly today! It sounds like you're going in well-prepared with great questions to ask. The fact that you're being so proactive about handling this properly really speaks well of your character - exactly the kind of person who should be in nursing!

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@Sean, that's such a practical tip about creating a documentation folder! I wish I had thought of that from the beginning - I've been scrambling to find old emails and documents while preparing for today's meeting. I'm definitely going to set up a proper filing system going forward, both for my break period and when I return to school. It's one of those simple organizational steps that could save so much stress later on. Thank you for sharing that lesson learned! And thank you for the kind words about being proactive - this whole experience has definitely taught me the importance of asking questions and getting proper documentation rather than just hoping for the best.

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As someone who's been working in financial aid for over 10 years, I want to add something that might ease your mind even further: the Department of Education has specific regulations (34 CFR 668.22) that govern when Title IV aid (including Pell Grants) must be returned, and simply taking a break between completed terms is NOT one of those triggers. The Return to Title IV (R2T4) calculation that everyone's been mentioning only applies when you withdraw DURING a payment period (semester/quarter), not between them. Since you're completing your current semester, you're in the clear. One thing I haven't seen mentioned yet: make sure to keep your contact information updated with your school during your break. Sometimes schools will send important financial aid notifications or policy updates, and you don't want to miss anything that could affect your aid when you return. Also, when you do come back, give yourself plenty of time to complete your FAFSA for that academic year - don't wait until the last minute. State aid often has earlier deadlines than federal aid, and you want to maximize your eligibility. You're handling this exactly right by finishing your semester and getting official guidance. Best of luck with everything!

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@Connor, thank you so much for citing the actual federal regulation! Having the specific CFR reference (34 CFR 668.22) is incredibly helpful - it's exactly the kind of authoritative information I was hoping to find. It's so reassuring to hear from someone with 10+ years in financial aid confirming that taking a break between completed terms doesn't trigger R2T4. The reminder about keeping contact information updated is really important too - I'll make sure the school has my current address and phone number before I officially start my break. And you're absolutely right about not waiting until the last minute on the FAFSA when I return. I tend to procrastinate on paperwork, but this whole experience has taught me how important it is to stay on top of these deadlines. I just got back from my meeting with financial aid and everything went exactly as everyone predicted! They confirmed I won't need to repay anything, gave me a Leave of Absence form to fill out, and provided written documentation for my records. This thread has been such a lifesaver - thank you to everyone who shared their expertise and experiences!

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Cedric Chung

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That's fantastic news that your meeting went well! 🎉 I'm so glad everything worked out exactly as everyone predicted. It's such a relief when you go into a stressful situation well-prepared and it goes smoothly. Thanks for updating us with the outcome - it's going to be incredibly helpful for future students who find themselves in similar situations. The fact that your school provided a Leave of Absence form and written documentation shows they have good systems in place for students who need to take breaks. Your experience really highlights how valuable this community is. You came in panicked about potentially owing thousands of dollars, and through everyone sharing their knowledge and experiences, you were able to go into that meeting confident and knowing exactly what questions to ask. Best of luck with everything during your break, and we'll be here when you're ready to come back and tackle that nursing program! Take care of your family and yourself. 💙

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Maya Lewis

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This is such wonderful news! 🎉 I'm so happy to hear your meeting went smoothly and you got the official confirmation you needed. It's amazing how this thread started with you panicking about potentially owing thousands and ended with you walking into that meeting fully prepared and confident thanks to everyone's help. What really stands out to me is how this whole experience shows the power of asking for help and doing research before making assumptions. You could have just stressed about it silently or made decisions based on incomplete information, but instead you reached out to the community and got such valuable insights from people who've been through similar situations and professionals who know the system inside and out. Your story is definitely going to help so many future students who find themselves in similar circumstances. The combination of real student experiences and professional expertise in this thread creates such a comprehensive resource. Wishing you all the best during your break - take care of your family situation and don't stress about school. The nursing program will be waiting for you when you're ready! 💙

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Dmitri Volkov

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This thread is absolutely incredible and shows exactly why communities like this are so valuable! @Dyllan, I'm thrilled to hear your meeting went perfectly and you got the official confirmation and documentation you needed. What strikes me most is how you went from complete panic about potentially owing thousands of dollars to walking into that financial aid office fully prepared and confident. The combination of real student experiences, professional insights from financial aid counselors, and specific regulatory information created such a comprehensive knowledge base. Your situation is probably more common than most students realize - life happens, family emergencies occur, and sometimes we need to pause our education temporarily. But the fear of financial consequences can make an already stressful situation so much worse. Having this detailed thread with specific experiences and expert guidance will be such a resource for future students. The Leave of Absence form and written documentation your school provided sounds like they have good support systems in place for students in these situations. It's also great that you followed everyone's advice about getting everything in writing! Take this time to focus on your family without worrying about your education - everything will be there waiting for you when you're ready to return. And when you do get into that nursing program, you'll have even more life experience and maturity to draw from. Best of luck with everything! 🌟

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Shelby Bauman

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I just wanted to add my voice to everyone celebrating your successful meeting! 🎉 This entire thread has been such an incredible example of how powerful community support can be. When I first read your original post, I could feel the panic and stress you were experiencing, and it's amazing to see how everyone came together to provide both emotional support and practical expertise. What really impresses me is how you took everyone's advice to heart - you went in prepared with the right questions, asked for documentation, and even got the Leave of Absence form. That level of preparation probably made the whole process so much smoother for both you and the financial aid counselor. As someone new to this community, this thread has taught me so much about financial aid that I didn't know before. The distinction between withdrawing mid-semester vs. taking a break between completed semesters, the importance of documentation, the different rules for various types of grants - it's all information that could be crucial for any student navigating these systems. Thank you for being so open about your situation and for updating us with the positive outcome. Stories like yours give hope to other students facing similar challenges. Wishing you and your family all the best during this time! 💙

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Jamal Carter

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What an amazing outcome! 🎉 I've been following this thread from the beginning and it's so wonderful to see how it evolved from your initial panic to this successful resolution. This is exactly why I love this community - the way everyone jumped in with their real experiences, professional expertise, and genuine support created such a comprehensive resource. Your experience really highlights something important: financial aid rules can seem scary and overwhelming, but when you approach them systematically and get proper guidance, they're usually much more manageable than we fear. The fact that you went from worrying about owing thousands to walking out with official documentation and peace of mind is just fantastic. I also want to echo what others have said about this thread becoming such a valuable resource for future students. The combination of personal experiences, professional insights from actual financial aid counselors, specific federal regulations, and practical tips about documentation creates an incredibly thorough guide for anyone facing similar situations. Your approach of finishing your current semester, researching thoroughly, asking the right questions, and getting everything in writing is exactly the right way to handle these situations. Future nursing programs are going to be lucky to have someone with your level of responsibility and problem-solving skills! Take care during your break and don't hesitate to come back to the community when you're ready to tackle the nursing program applications. We'll be here to help! 💙

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