FAFSA 2025-2026 totally confusing me - stuck on parent contribution section
I'm SO lost trying to complete the new FAFSA for 2025-2026. I've been staring at the parent contribution section for 3 hours and I keep getting error messages. My parents are divorced (7 years now) and I live with my mom, but my dad provides more financial support. The form keeps asking me to list the 'contributor' but won't accept either parent's info! It also shows some weird message about 'incomplete tax verification' whenever I try to use the IRS data retrieval tool. This is my first time applying and my school's priority deadline is in 3 weeks. Has the new FAFSA system been a nightmare for anyone else? I'm terrified my SAI will be calculated wrong and I'll miss out on aid. Help!
23 comments


Yara Nassar
Ya same thing for me last month. The FAFSA site is broken this year. Try entering your dad's info since he provides more $$$ but make sure u check the 'does not live with student' box.
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QuantumQuester
•Thanks for responding! I tried checking that box but then it asks for some kind of verification document I don't have? The whole system seems buggy.
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Keisha Williams
The contributor section is definitely confusing with the new FAFSA. For divorced parents, you need to report the parent who provided more financial support during the last 12 months - regardless of who you live with. Make sure you're using your dad's FSA ID correctly if he's your contributor. The tax verification issue is likely because your dad hasn't completed his 2023 taxes or there's a mismatch between his name/SSN on the FAFSA and his tax return. Has he filed his taxes for last year?
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QuantumQuester
•Yes, he filed in April! But he said he got a letter about an amendment or something? Could that be why the IRS data retrieval isn't working? This is so stressful...
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Keisha Williams
•That's exactly why! If he filed an amended return, the IRS data retrieval tool won't work properly. You'll need to manually enter his tax information from his ORIGINAL return (not the amended one). For the verification document, you'll need a signed statement from your dad confirming he provides more financial support. Include specific dollar amounts if possible.
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Paolo Ricci
the new fafsa is the worst!!! i gave up and just paid someone to do it for me lol. good luck
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Amina Toure
•Paying someone to do your FAFSA is LITERALLY throwing money away. There are FREE resources at every college financial aid office. Just call or visit them - they'll help you complete it correctly without charging you anything! People taking advantage of confused students makes me so angry. 😡
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Oliver Zimmermann
The entire 2025-2026 FAFSA system is GARBAGE! I've been working in financial aid for 20 years and I've never seen such a poorly designed rollout. The "contributor" terminology is confusing everyone - they should have stuck with "custodial parent." Here's what you need to do: 1. If your dad provides more financial support, HE is the contributor even if you don't live with him. 2. For the tax verification issue - don't use the IRS tool if he amended his return. 3. You'll need a signed statement from him stating he provides more than 50% of your support. 4. Document EVERYTHING in case of verification. And be prepared for your SAI to change multiple times as they work out the bugs. Print every confirmation page! The system is so broken I've had students' SAI change by $5,000+ overnight with no explanation.
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CosmicCommander
•Wait is this for real?? My SAI could randomly change after I submit?? Now I'm freaking out because my school uses rolling admissions and I'm right on the edge for a scholarship...
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Oliver Zimmermann
•Yes, unfortunately. I've seen it happen multiple times this year. The good news is most financial aid offices are aware of these issues and have processes to handle appeals if your SAI is calculated incorrectly. Make sure you keep ALL documentation, including screenshots of your original SAI when you first submit.
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Natasha Volkova
I work at a college financial aid office, and I can confirm the parent contributor section is causing tons of problems this year. For divorced parents, here's the official guidance: 1. List the parent who provided more than 50% of your financial support in the past 12 months 2. If your dad filed an amended tax return (1040X), you CANNOT use the IRS Data Retrieval Tool 3. For the verification document they're requesting, you need a signed statement from your dad that includes: - His name and your name - Statement that he provides more than 50% of your support - Approximate dollar amount/percentage of support provided - His signature and date Most importantly, don't panic about the deadline. Many schools are being flexible with priority deadlines this year due to the FAFSA delays. I recommend calling your school's financial aid office directly to let them know you're having technical difficulties.
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QuantumQuester
•Thank you so much! This is incredibly helpful. I'll call my school tomorrow to explain the situation. Should I also have my dad call the Federal Student Aid hotline to figure out what's wrong with his tax verification?
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Javier Torres
•Not the original commenter, but I spent DAYS trying to call the Federal Student Aid hotline last month. Was on hold for 3+ hours each time and kept getting disconnected. I finally used Claimyr (claimyr.com) to get through - they have this system that waits on hold for you and calls when a real person is on the line. Saved my sanity! They have a demo video here: https://youtu.be/TbC8dZQWYNQ. Worth it for the time saved.
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Amina Toure
The new FAFSA is an absolute DISASTER. My daughter is also in a divorced parent situation and we had to call TWELVE TIMES to get someone who actually understood how to fix our contributor issue. Then they told us the wrong information twice!! Her SAI went from $18,000 to $6,500 after we finally got the right person who knew what they were doing. The system is completely broken and nobody at FSA seems to know how to fix it. I'm filing a formal complaint with the Department of Education because this is affecting students' futures!!!
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Yara Nassar
•woah that's a huge difference in the SAI number! did your daughter get more financial aid because of the fix??
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Amina Toure
•YES! She went from getting basically nothing to qualifying for a Pell Grant and much more institutional aid. I'm telling EVERYONE to double and triple check their SAI calculations this year because the errors are everywhere. If your number seems too high, it probably IS wrong!
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Natasha Volkova
Quick update based on the most recent guidance: When your FAFSA is finally processed, your Student Aid Index (SAI) will appear on your Student Aid Report (SAR). Review it carefully and if anything looks wrong (especially with the parent contributor information), file a correction immediately. If your dad's tax verification issue persists, you may need to request a special circumstances review from your school's financial aid office. Also worth noting - the official FSA guidance for divorced parents changed slightly this year. The parent who provides more FINANCIAL support is the contributor, regardless of where you live or who has legal custody. This change has been confusing for many families.
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QuantumQuester
•Thank you for the update! It's so frustrating that they keep changing things. What exactly should I look for on the SAR to know if my dad's info was processed correctly?
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Natasha Volkova
•Look at the "EFC/SAI" number on your SAR. If it seems unusually high based on your family's financial situation, that's a red flag. Also check the "Processed Information" section to confirm your dad is listed as the contributor with the correct income information. Pay special attention to the "Assumptions" section - if there are any assumptions made about your dad's finances because data couldn't be verified, you may need to correct those.
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CosmicCommander
Not related to the divorce situation but when I was doing my FAFSA I accidentally put my mom's income as $54,000 when it was actually $45,000 (dyslexia problems lol) and it completely messed up my SAI calculation. Just triple check ALL the numbers you enter!
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QuantumQuester
•Oh that's good advice! I'm definitely going to double check all the numbers. Did you have to go through a whole appeal process to fix the income error?
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CosmicCommander
•I just submitted a correction on studentaid.gov and uploaded her W-2 as proof. It took about 2 weeks to process but they fixed it! My SAI dropped by like $3k which made me eligible for more institutional grants. Definitely worth the effort!
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William Schwarz
I'm going through the exact same nightmare with my FAFSA! My parents divorced 3 years ago and I've been stuck on the contributor section for weeks. The system keeps rejecting my mom's info even though she provides more support. I called the FSA hotline 4 times and got different answers each time - one rep told me to use my dad's info, another said my mom's, and the third said I needed some form I'd never heard of. The IRS data retrieval tool crashes every time I try to use it. At this point I'm considering just manually entering everything and hoping for the best. The whole system feels like it was designed by people who have never actually filled out a FAFSA themselves. Really hoping they fix these issues before next year because this is beyond frustrating for families already dealing with financial stress!
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