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Caden Nguyen

FAFSA 20-school limit workaround? Need to send to 28 colleges

So I'm stuck in a weird situation with my FAFSA. I'm applying to 28 different schools (mostly out-of-state because my state's public universities are crazy competitive this year). When I tried adding all my schools to my FAFSA, I hit some 20-school limit which makes NO sense to me? Why would they restrict how many schools can see my financial information? Has anyone dealt with this before? Do I need to contact each additional school individually or is there some process to send my FAFSA to the extra 8 schools after my first 20? The deadline for some of these schools is coming up fast and I'm getting really anxious about missing out on financial aid packages. Help!

Avery Flores

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yea the 20 school limit is dumb. after ur first batch gets processed you can go back and swap out some schools for the others. takes like 3-5 days for the first batch to process tho

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Caden Nguyen

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Thanks, that's a relief. Do you know if I need to wait for all the schools to download my info before I swap them out? Or can I just wait for the FAFSA to be fully processed?

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Zoe Gonzalez

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The 20 school limit exists because the Department of Education's systems were designed with that constraint decades ago. It's actually quite simple to work around: 1. Submit your FAFSA with your first 20 school choices 2. Wait for your SAI score (Student Aid Index) to be calculated and processed 3. Log back into studentaid.gov and update your FAFSA by removing some schools and adding your additional choices 4. The system will process and send your information to the new schools Important: Make sure your first batch includes schools with the earliest financial aid deadlines. And don't worry - schools you remove from your FAFSA will still have your information; removing them only makes room for new schools.

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Ashley Adams

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this is EXACTLY what i did last yr lol. worked fine but one school didnt get my info for some reason so double check with each financial aid office to make sure they got ur stuff

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Caden Nguyen

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Thank you for the detailed explanation! That makes me feel much better. I'll prioritize my schools with January deadlines first, then swap for the February/March deadline schools. Appreciate the help!

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28 SCHOOLS?!? Holy moly, that's gonna be expensive just in application fees! But anyway, the FAFSA limit is super annoying. When I ran into this last year, I tried calling the Federal Student Aid helpline to ask if there was a better way, but I was on hold FOREVER and kept getting disconnected. Ended up just doing the add/remove method like others suggested above.

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Caden Nguyen

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Yeah, the application fees are painful but I got fee waivers for about half of them thankfully. Did you have any issues with the schools you added later getting your information in time?

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Most were fine but one school claimed they never got my FAFSA info even though the FSA website showed it was sent. Had to call the financial aid office directly to sort it out. Make sure you follow up with each school!

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Aaron Lee

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I think the 20 school limit is because they dont want people just spamming their info to every single college in america lol. most people only apply to like 5-10 schools anyway

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That's actually not why the limit exists. The 20-school limit is a technical limitation in the Federal Student Aid system architecture. The FAFSA was originally designed in the 1990s when most students applied to fewer schools, and the system infrastructure hasn't been completely overhauled since then despite updates. Each school receives your full FAFSA data including which other schools you've selected, and there are database constraints on how this information is stored and transmitted.

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Michael Adams

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When I had this issue trying to reach someone at FSA about updating my school list, I discovered Claimyr (claimyr.com) which got me connected to an actual FAFSA agent in about 10 minutes instead of waiting on hold for hours. They have a video demo at https://youtu.be/TbC8dZQWYNQ showing how it works. The agent confirmed I was doing the school swapping correctly and also helped me understand how the information gets transmitted to each school in my list.

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Caden Nguyen

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This is super helpful - I might need to try this if I run into any issues with the schools receiving my information. Did they explain how long it typically takes for schools to receive your FAFSA after you update your list?

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Michael Adams

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Yes, they told me it takes 3-5 business days for schools to receive your FAFSA data after you update your list. But then each school has their own processing time after that. The agent recommended waiting a week after updating before contacting schools to confirm they received it.

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Natalie Wang

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cant believe ur applying to 28 schools lol thats crazy. but good luck! i almost missed out on aid from my top choice bc i didnt realize they needed the info earlier than the others. def prioritize ur favorites and ones with early deadlines

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While others have explained how to handle the 20-school limit technically, there's another consideration: schools can see ALL other schools you've listed on your FAFSA. Some selective colleges might view applying to 28 schools as a sign you're not seriously interested in their institution specifically. This may not impact your admission chances at most schools, but it could potentially affect institutional aid decisions at some private universities where demonstrated interest is a factor. Just something to be aware of as you navigate this process.

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Caden Nguyen

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Wait, seriously? Schools can see my entire list?? I had no idea. That's really concerning. Is there any way to prevent them from seeing all the other schools I'm applying to?

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Unfortunately, no. The way the FAFSA system works, each school receives your complete information, including the list of other schools. This is actually one reason some students use the CSS Profile for certain private schools and FAFSA for others, as CSS Profile schools don't see your FAFSA school list (though CSS has its own sharing mechanisms). However, I wouldn't worry too much - many admission offices understand students are exploring options, especially for the 2025-2026 cycle with ongoing changes to the financial aid system.

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Avery Flores

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btw u might wanna check if all 28 schools even need FAFSA. some private colleges use CSS Profile instead of or along with FAFSA

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Caden Nguyen

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Thanks for the reminder! I've already submitted the CSS Profile to the 12 private schools on my list that require it. The other 16 are public universities that only need the FAFSA.

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Zoe Gonzalez

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After you update your school list on FAFSA, I strongly recommend following up with each financial aid office individually. Email them about 7-10 days after updating your FAFSA to confirm they've received your information. This is especially important for schools with scholarships tied to FAFSA submission deadlines. Also, take screenshots of your confirmation pages each time you update your FAFSA. If there's ever a dispute about whether you submitted on time, having documentation will be invaluable.

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Caden Nguyen

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That's great advice about the screenshots! I'll definitely do that. Do you recommend calling each financial aid office or is email better for confirming they received my FAFSA?

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Zoe Gonzalez

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Email creates a paper trail, which I always recommend. However, during peak FAFSA season (January-March), many financial aid offices are overwhelmed with emails. I suggest emailing first, but if you don't get a response within 3-4 business days, follow up with a phone call. Keep records of who you spoke with and when.

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Ethan Clark

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I went through this exact same process last year when I applied to 25 schools! The swap method definitely works, but here's a pro tip that saved me a lot of stress: create a spreadsheet tracking each school's FAFSA deadline, your batch assignments (which 20 schools go first vs. second batch), and confirmation dates. Also, some schools have their own financial aid portals where you can check if they've received your FAFSA - this is way faster than emailing each office individually. State schools especially tend to have good tracking systems. Good luck with all 28 applications, that's dedication!

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This is incredibly helpful! I love the spreadsheet idea - I'm definitely going to set that up tonight. Do you remember which state schools had the best tracking systems? Since most of my list is public universities, it would be great to know which ones I can easily check without having to email. And thanks for the encouragement about applying to so many schools - everyone thinks I'm crazy but I figure it's better to have options!

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