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McKenzie Shade

Does committing to a college early affect FAFSA aid amounts? Need advice ASAP

My daughter got accepted to her dream school (yay!!!) and they're pressuring us to commit by putting down a $750 deposit before the May 1 deadline. The problem is we haven't received ANY financial aid package information from them yet, even though we submitted our FAFSA back in December with an SAI of 8,421. Their admissions counselor keeps saying "don't worry about it" but I'm VERY worried. Will committing early (and paying that non-refundable deposit) affect how much aid they'll offer us? Are they more likely to give her less grants if we've already committed? This is my first kid going to college and I'm freaking out about having to make this decision without knowing if we can even afford the school. Should we risk losing her spot by waiting for the aid package???

Harmony Love

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Congratulations on your daughter's acceptance! This is unfortunately a common tactic some schools use. In my experience working with financial aid offices, here's what you should know: 1. Officially, committing early should NOT affect your aid package. Your FAFSA information and SAI determine your federal aid eligibility regardless of when you commit. 2. However, for INSTITUTIONAL aid (scholarships/grants from the school itself), some colleges may be less generous if they know you're already committed. 3. It is absolutely reasonable to tell the school you need to see the financial aid package before committing. They should understand this. I recommend emailing the financial aid office directly (not admissions) with a polite but firm request for your aid package timeline. Mention your FAFSA was submitted in December and that you need this information to make an informed decision.

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Thank you so much for this detailed answer! I didn't realize I should be talking to financial aid instead of admissions. I'm going to email them right now. Do you think I should mention the May 1 deadline specifically or just ask about the timeline?

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Rudy Cenizo

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we committed early to my sons school and they TOTALLY gave us less money than his friends who waited!!!! same test scores, similar family income, but we got $4k less in grants. they knew we were already locked in. don't do it!!!

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Oh no, that's exactly what I'm afraid of! Did you try to negotiate with them after you saw the difference?

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Natalie Khan

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I work in college admissions and want to offer some insider context. The May 1 "decision day" is standard across most colleges. What's NOT standard is pressuring for deposits without providing aid information. Most schools release packages by late March/early April specifically so families can compare offers before the May 1 deadline. While your federal aid (Pell Grants, subsidized loans) won't change regardless of when you commit, schools do have discretion with their institutional aid. Some less scrupulous institutions might offer less to early depositors. I'd suggest: 1) Call the financial aid office directly (not admissions) 2) Ask for a specific date when aid packages will be released 3) Request a deposit extension if they can't provide aid info soon 4) Get any promises in writing via email It's completely reasonable to make financial decisions based on complete information.

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Rudy Cenizo

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THIS!! my son got screwed by his school becase we didnt know better and committed early. they know once u pay that deposit ur not backing out.

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Daryl Bright

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You're definitely right to be cautious! When my daughter was going through this process last year, we were in a similar position. We ended up calling the financial aid office directly and explaining our situation. They were able to give us an estimated aid package over the phone before we committed. One thing to consider - some schools will let you request an extension on the deposit deadline specifically because you're waiting for financial information. It doesn't hurt to ask! Also, remember that your FAFSA creates your SAI, which determines your federal aid eligibility. That shouldn't change regardless of when you commit. It's the school-specific scholarships and grants that might be affected.

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Thank you for sharing your experience! I'm definitely going to ask about an extension. Did they give you any pushback when you requested one?

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Sienna Gomez

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I've been trying to reach Federal Student Aid for weeks about a similar issue with my daughter's application and NEVER could get through to anyone. Finally used a service called Claimyr (claimyr.com) that got me connected to a real person at FSA in about 10 minutes! They have this video that shows how it works: https://youtu.be/TbC8dZQWYNQ The agent I spoke with confirmed that your federal aid eligibility won't change based on when you commit to a school. Your SAI of 8,421 determines your federal aid regardless. However, she mentioned that individual schools control their own institutional aid, and some might be less generous with students who've already committed. Definitely worth calling both FSA and your school's financial aid office directly before making any deposit decisions.

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Thank you for the suggestion! I've been struggling to get through to anyone too, so I'll definitely check out that service. And good to have confirmation about the federal vs. institutional aid difference.

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this happened to my cousin!! school made them commit by may 1 but didnt send financial aid info till MAY 15!! by then they already paid $500 deposit and got way less money than expected. had to scramble for community college instead and lost the deposit. these colleges are such a scam fr

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Natalie Khan

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This is unfortunately not uncommon. Many schools are overwhelmed with FAFSA processing this year due to the federal delays, but withholding aid information while pushing for deposits is problematic. Always get timelines in writing and request extensions when needed.

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Absolutely DO NOT commit without seeing the financial aid package first!! Call the financial aid office (not admissions) and be very clear that you need this information before making a commitment. Your FAFSA was submitted months ago, so there's no reason they can't provide at least an estimate. Some points to consider: - Federal aid (Pell Grants, Direct Loans) is determined by your SAI and won't change - School-specific scholarships and grants ARE at the school's discretion - Many schools have a separate scholarship application - did you complete one? - Some schools intentionally delay aid info to secure commitments If they refuse to provide aid information, that's a huge red flag about how they'll treat your family for the next four years.

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Thank you for the advice! We did complete their scholarship application in January. I'm definitely going to call the financial aid office tomorrow and be firm about needing this information. Is it unreasonable to ask for at least an estimate based on our SAI?

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Harmony Love

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Just to follow up on your situation - it's absolutely reasonable to ask for an estimate based on your SAI. With an SAI of 8,421, they should be able to tell you at minimum what federal aid your daughter qualifies for. This would include potential Pell Grant amounts and subsidized loan eligibility. When you speak with financial aid, use this specific language: "We need an estimated financial aid package based on our SAI of 8,421 before we can make an informed commitment decision. Can you provide at least a preliminary aid package or estimate?" If they refuse, I would be very concerned about their transparency. Most reputable schools understand that families need this information to make decisions.

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Thank you for the specific wording! I'll use exactly that. We really love this school but I'm getting increasingly concerned about their communication around finances.

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Natalie Khan

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After reading this entire thread, I wanted to add one more important point: get EVERYTHING in writing. If they give you estimates over the phone, follow up with an email summarizing what was discussed and ask them to confirm. Also, if they do provide an aid package after you've committed, and it's less than expected, you still have options: 1. File a formal appeal with the financial aid office 2. Ask if there are additional scholarship opportunities 3. Compare with other schools' offers and ask if they can match 4. Look into payment plans to spread costs Remember that even after May 1, you can withdraw and choose another school if the financial situation is truly unworkable, though you would likely lose your deposit.

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This is excellent advice about getting everything in writing. I hadn't thought about filing a formal appeal if the package is lower than expected. I'm going to start documenting all our communications going forward.

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Rudy Cenizo

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update??? did u get anywhere with the financial aid office?? im invested now lol

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Yes! Update - I called the financial aid office this morning and was firm but polite. I used the exact language suggested here about needing information before committing. They admitted they're behind on processing but agreed to send us at least a preliminary aid package by next Friday. They also extended our deposit deadline until May 15th! I'm so relieved and grateful for everyone's advice!!

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Oscar Murphy

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That's such great news! I'm so glad you stood your ground and got results. The fact that they immediately agreed to extend your deadline and provide a preliminary package shows they absolutely could have done this earlier - they were just hoping you'd commit without the information. You handled this perfectly! This is such a valuable lesson for other families reading this thread. Schools CAN provide timelines and estimates when pressed, and it's completely reasonable to ask for deposit deadline extensions when waiting for financial aid information. Your daughter is lucky to have such an advocate looking out for the family's financial interests!

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This is such an encouraging update! It's great to see that being persistent and informed really pays off. As someone new to this whole college process, I'm taking notes on all the strategies shared here. The fact that they could extend the deadline and provide preliminary info when asked directly really shows how important it is to advocate for yourself. Thanks for sharing your success - it gives me hope for navigating this stressful process with my own kids in the future!

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Millie Long

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What a fantastic outcome! This thread is going to be so helpful for other families facing similar situations. Your experience perfectly illustrates why it's crucial to contact financial aid directly rather than going through admissions - they have completely different priorities and timelines. For anyone else reading this who might be in a similar situation, McKenzie's approach shows exactly how to handle this: 1. Be polite but firm about your needs 2. Use specific language about needing information to make informed decisions 3. Don't be afraid to ask for deadline extensions 4. Document everything The fact that they immediately accommodated your requests when you called proves they had the ability to help all along. Congratulations on advocating effectively for your family, and I hope the preliminary package comes back with good news!

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