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Emma Wilson

Does SAI of 6883 qualify for Pell Grant or PHEAA in Pennsylvania?

I'm super confused about how SAI values translate to actual aid. My daughter was accepted to Penn State and her SAI is 6883, but the financial aid office told us she doesn't qualify for any Pell Grant or Pennsylvania PHEAA grant with that number. Is this actually right? I thought SAI below 7000 would qualify for at least some Pell Grant money. The aid package they offered has only loans, and I feel like we're missing something major here. Has anyone with similar SAI numbers qualified for grants in PA? I'm wondering if we need to appeal or if this is just how the system works now with the new FAFSA.

Malik Thomas

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Unfortunately, that information from the school is correct. For the 2025-2026 aid year, the max SAI to qualify for ANY Pell Grant is around 6656. Your daughter's 6883 is just above that cutoff. For Pennsylvania's PHEAA grant, they use the FAFSA's SAI calculation but have their own thresholds that can vary by school type (public vs private). For most PA schools, PHEAA eligibility typically cuts off around 6500 SAI for full-time students. It's frustrating when you're so close to the cutoffs!

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Emma Wilson

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Thank you for explaining. It's just so disheartening to be less than $250 away from getting some help! Do you know if there's any way to appeal this or get the SAI recalculated? I lost my job 3 months after the tax year that FAFSA used for calculations.

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my son had a 7100 SAI and didnt get pell either. the cutoffs are super strict. its really annoying becuz we're not rich but apparantly not poor enough for help lol

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Ravi Kapoor

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Same boat! My daughter's SAI was 6910 and nope, no Pell. System is completely broken.

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Freya Larsen

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Have you checked directly with the PA state grant program (PHEAA)? Sometimes schools don't have the most updated information about state grants. When I was trying to figure out my son's aid package, Penn State initially told me he wouldn't qualify for PHEAA, but when I contacted PHEAA directly, they had different information. Their website is pheaa.org - might be worth checking there too.

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Emma Wilson

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Thanks for the suggestion! I'll definitely check with PHEAA directly. Did you just call their main number or is there a specific office that handles these questions?

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Financial aid counselor here! You absolutely CAN appeal your SAI calculation based on job loss. This is called a Professional Judgment (PJ) review or Special Circumstances appeal. Since you lost your job after the tax year used for FAFSA calculations, this is exactly the kind of situation that qualifies for reconsideration. Contact Penn State's financial aid office and ask specifically for a "Special Circumstances Form" or "Professional Judgment Review." You'll need to provide documentation of your job loss and current income. This could potentially lower your SAI enough to qualify for both Pell and PHEAA grants. Also, the SAI cutoffs for Pell are exactly: - 0 to 3000 = Maximum Pell ($7,395) - 3001 to 6656 = Partial Pell (decreasing as SAI rises) - Above 6656 = No Pell So you're right that you're frustratingly close to the cutoff!

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Emma Wilson

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This is incredibly helpful! I didn't realize I could appeal based on job loss. I'll request that Special Circumstances Form right away. Do you know roughly how long these appeals typically take to process? We need to make a decision about deposits soon.

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Omar Zaki

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This is EXACTLY why the whole financial aid system is GARBAGE! They create these arbitrary cutoffs and if you're $1 over, too bad so sad! The middle class gets CRUSHED by this system. My daughter's SAI was 6700 and she got a whopping $300 in Pell for the ENTIRE YEAR. Wow, thanks government, that'll cover her textbooks for maybe one class! Meanwhile families who know how to work the system get thousands in aid. The whole thing is rigged against working families who actually reported their income honestly.

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Chloe Taylor

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Dude, I feel this 100%. My SAI was 6550 and I got like $400 in Pell. Not even enough to cover the FAFSA processing fee that my school charges! It's like they're trolling us with these tiny aid amounts.

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Diego Flores

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Have you tried calling the Federal Student Aid office directly? They can sometimes explain exactly why you don't qualify and might catch errors in your application. The problem is their phone lines are constantly busy and you can wait for hours only to get disconnected. I was having this exact issue until someone recommended using Claimyr.com - it holds your place in line and calls you back when an agent is available. Saved me hours of waiting. There's a video showing how it works here: https://youtu.be/TbC8dZQWYNQ

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Emma Wilson

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I hadn't thought about calling FSA directly. That's a good idea since we should probably confirm our SAI is calculated correctly before going through a whole appeal process. I'll check out that service - I tried calling FSA once before and gave up after 45 minutes on hold.

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Chloe Taylor

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Random thought but did ur daughter apply to any other schools? Sometimes diff schools have institutional grants they can give even when fed/state grants don't come through. My brother had almost the same SAI as your daughter but got way better packages from smaller private schools than from Penn State

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Emma Wilson

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She did apply to a couple of smaller schools and you're right - one of them offered a much better package with some institutional grants. But Penn State has her program of choice (veterinary science), so we're trying to make it work.

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Malik Thomas

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One more thing to consider - while your appeal is being processed (which you should definitely do based on your job loss), also look into the PA Target Industry Program (PA-TIP) if your daughter is going into certain high-demand fields. It provides additional funding outside the regular PHEAA program and has different eligibility requirements. Worth checking if her major qualifies.

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Emma Wilson

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I've never even heard of PA-TIP! I'll look into that immediately. She's planning to study veterinary science - not sure if that's considered a high-demand field for this program, but definitely worth checking. Thank you!

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To answer your timeline question - Professional Judgment reviews typically take 2-4 weeks to process, but many schools will extend your deposit deadline if you have a pending appeal. Be sure to explain your situation and ask for an extension. Also, regarding the PA-TIP program mentioned - veterinary science unfortunately isn't on their current list of eligible programs (which focuses more on advanced manufacturing, energy, and some healthcare fields). However, Penn State does have its own institutional grant programs you might qualify for with the adjusted SAI after your appeal.

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Emma Wilson

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Thanks for the detailed information! I'll definitely ask for an extension on the deposit deadline. I'm going to submit all the appeal paperwork tomorrow and call both Penn State and PHEAA directly. I really appreciate everyone's help navigating this confusing process!

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Liam McGuire

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Just wanted to add that you should also ask Penn State about their Emergency Aid Fund while you're going through the appeal process. Many students don't know about these smaller institutional funds that can help bridge gaps while waiting for federal/state aid decisions. They're usually need-based and can provide a few hundred to a couple thousand dollars for situations exactly like yours. The application is usually much simpler than the FAFSA appeals process and can be processed faster. Worth asking the financial aid office about when you submit your Special Circumstances paperwork!

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Ava Thompson

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That's such a great suggestion! I had no idea schools had emergency aid funds like that. It sounds like it could really help while we wait for the appeal to go through. I'll definitely ask about this when I contact the financial aid office tomorrow. Between the Special Circumstances appeal, checking with PHEAA directly, and now asking about emergency aid, I feel like we finally have a real action plan. Thank you so much for adding this - every little bit of potential help matters right now!

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Sasha Reese

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I'm new to this whole FAFSA process and reading through this thread has been both helpful and terrifying! My son will be starting college next year and I'm realizing I have no idea how any of this works. Can someone explain what SAI actually stands for and how it's different from the old EFC? I keep seeing people mention these numbers but I don't understand how they're calculated or what makes a "good" vs "bad" SAI. Also, is there a resource that explains all these different types of aid (Pell, PHEAA, institutional grants, etc.) in simple terms? I feel like I'm already behind and my son hasn't even submitted his FAFSA yet!

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Layla Mendes

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Welcome to the confusing world of financial aid! SAI stands for Student Aid Index - it replaced the old Expected Family Contribution (EFC) system starting with the 2024-2025 FAFSA. The main difference is that SAI can actually go negative (as low as -1500) while EFC couldn't go below zero. Your SAI is calculated based on your family's income, assets, family size, and number of kids in college. Lower SAI = more aid eligibility. For resources, I'd recommend starting with studentaid.gov for federal aid basics, and your state's higher education website for state-specific programs. Don't worry about being behind - many families don't start learning about this until junior/senior year of high school! The key is to file your FAFSA as early as possible once it opens (usually October 1st) since some aid is first-come, first-served.

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Amina Diop

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Don't give up hope yet! I went through something very similar with my daughter last year. Her SAI was 6,950 and we initially got the same response from our state school. However, after filing a Professional Judgment appeal due to my husband's reduced work hours (he's in construction and winter was brutal), they recalculated her SAI to 5,200 and she ended up qualifying for about $2,800 in Pell Grant plus some state aid. The key is having solid documentation - pay stubs showing the income change, any unemployment documentation if applicable, and a clear letter explaining how your circumstances changed after the tax year used for FAFSA. Also, don't just rely on the school's financial aid office - call PHEAA directly at 1-800-692-7392. Sometimes the school's information isn't current or they miss things. One more tip: if Penn State doesn't work out financially even after appeals, consider having your daughter start at a community college for prerequisites and then transfer. Many vet programs accept community college credits and it can save thousands while you work on improving your aid situation for her junior/senior years.

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Ezra Beard

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This is such an encouraging story! It's really helpful to hear from someone who went through the same thing and actually got results. I have all the unemployment documentation from when I lost my job, plus the termination letter and current pay stubs from my new part-time position (which pays significantly less). Your point about calling PHEAA directly is something I keep hearing - I'm definitely going to do that tomorrow along with submitting the appeal paperwork to Penn State. The community college transfer option is actually something we hadn't fully considered, but you're right that it could be a smart financial strategy, especially for prerequisites. Thanks for sharing your experience and the phone number - it gives me hope that we might be able to make this work!

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