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Katherine Hunter

FAFSA Only Asked About EIC - Missing Financial Questions When Contributing as Parent?

I'm completely lost with the 2025-2026 FAFSA. Just created my FSA ID and logged in as the 'contributor' on my son's application. All it asked was whether I received Earned Income Credit in 2023, and NOTHING else! No questions about my income, assets, nothing about my W-2 or 1040 information. Didn't even ask about bank accounts or investments. Then it just had me electronically sign and submit? This feels wrong - I had all my tax documents ready to go. Did I miss a section somehow? Is the system glitching? Anyone else experience this simplified version?

The new FAFSA is supposed to be simplified, but that sounds WAY too simplified. Did you check the top of the screen to make sure you were completing all required sections? There should definitely be more financial questions even with direct tax data transfer. At minimum they should ask about untaxed income, some assets, and household size information.

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I double-checked and didn't see any indication of missing sections. It literally just asked about the EIC then prompted for my signature. My son's part had questions about his info, but mine was basically nothing. Should I try deleting the application and starting over?

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maybe ur tax info got pulled automatically from irs? the new fafsa has that direct data transfer thing now. did it mention anything bout that at the beginning?

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It did mention something about data transfer, but I assumed I'd still need to enter some information manually. There wasn't any confirmation showing what data was transferred either. Just feels weird that it would be THAT simple.

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This is actually a known issue with the new FAFSA for certain tax situations. It's likely the system determined your son qualifies for an Auto-Zero EFC calculation based on your EIC status. The FAFSA system may have determined that based on your AGI and EIC status, your Student Aid Index (SAI) would automatically be calculated at the minimum, so it skipped the remaining financial questions. I'd recommend taking these steps: 1. Print a copy of the completed FAFSA confirmation page 2. In 3-5 business days, check the SAI calculation in your son's account 3. If the SAI seems wrong or you get an error message, THEN you should be concerned The new simplified FAFSA is actually working as designed for certain income levels when EIC is claimed.

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That actually makes sense! Our AGI was around $38,000 last year. I didn't realize the system could skip questions based on that. I'll wait and check the SAI in a few days. Thank you for explaining this - I was really worried we'd done something wrong!

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The exact same thing happened to me!! I was totally freaking out thinking I broke the system or something. All it asked was about EIC and then signature. Called FSA like 15 times and couldn't get through to anyone. Still don't know if it processed right or not. The whole new FAFSA is A COMPLETE DISASTER if you ask me. Why can't they just make things SIMPLE instead of "simplified" which actually means BROKEN!!

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did u ever figure out if it worked right? i'm having same issue but don't wanna wait 3 weeks to find out if it's wrong

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After 2 weeks we finally got the SAI score and it was actually correct (I think). But the whole process gave me serious anxiety. I hate how there's no confirmation that it's processing correctly!

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I had this exact issue last week! After panicking and trying to call Federal Student Aid for two days straight (getting disconnected every time), I finally got through using Claimyr. Check out their service at claimyr.com - they basically hold your place in line and call you when they get an agent. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ The agent confirmed that for certain income levels, especially with EIC, the system is designed to skip most questions because you'll automatically qualify for maximum aid. Still should have explained that better on the form though!

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Thank you for this! If I don't see an SAI score in a few days, I'll definitely try this service. Trying to call FSA directly has been completely frustrating.

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wait the FAFSA can do that?? like just decide not to ask questions?? sounds sketchy to me. i would definitely call and double check. my sister filled hers out last month and they asked her like 50 questions even tho she makes like no money at all.

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The 2025-2026 FAFSA uses different logic paths depending on your tax situation. If your sister completed hers last month, she was likely using the 2024-2025 form which had the older, more comprehensive question set. The new form uses IRS data transfer more extensively and can skip questions when certain criteria are met.

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Just to follow up on what others have said - the Auto-Zero EFC (now called minimum SAI) threshold for the 2025-2026 FAFSA is $41,000 AGI. If you earned the Earned Income Credit and your AGI is below that threshold, the system will skip additional financial questions. It's working as designed, but the Department of Education really should have added better explanations in the form itself to prevent confusion.

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Thanks for confirming the exact threshold! Our AGI was definitely under that amount, so I feel much better now. You're right though - even a simple message explaining "based on your EIC status, we're skipping additional questions" would have saved me a lot of stress!

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anyone know how long it takes to get the SAI score after submitting? been waiting almost a week for my daughters

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Processing times for the 2025-2026 FAFSA have been ranging from 3 days to 3 weeks. If your daughter's application has any flags that require manual review (citizenship verification, unusual income changes, etc.), it may take longer. You can check the status on studentaid.gov under her account.

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UPDATE: Got my son's SAI score today (took 4 days) and it's showing the minimum SAI amount just like you all suggested! So the system was working correctly. I still wish they'd explain this better on the form, but I'm relieved everything worked out. Thanks everyone for the help and reassurance!

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thx for updating! this makes me feel better about mine too

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So glad to see this update! I was having the exact same anxiety about this issue. The new FAFSA really needs better user communication - like a simple popup saying "Based on your tax information, we're using streamlined processing" or something. It's crazy how many parents are going through this same panic. Thanks for following up with the resolution - it helps everyone else who finds this thread!

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I'm so relieved to find this thread! I just went through the exact same experience yesterday and was convinced I had somehow messed up the FAFSA. Only got the EIC question, then straight to signature - no income details, no asset questions, nothing. I was sitting there with my tax documents ready to enter everything manually and felt like I was missing half the application. Reading everyone's experiences here and seeing Katherine's successful outcome really puts my mind at ease. Definitely agree they need better communication in the system about when streamlined processing kicks in!

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This thread has been so helpful! I'm a newcomer here and just went through this exact same situation two days ago. Like everyone else, I was completely panicked when the FAFSA only asked about EIC and then went straight to the signature page. I had spent hours gathering all my tax documents, bank statements, and investment records, only to have the system seemingly ignore all of it. I was convinced I had broken something or missed a crucial step. Reading through everyone's experiences and seeing that this is actually how the system is supposed to work for families with lower AGI who claim EIC has been incredibly reassuring. Katherine, thank you for posting the update about your successful SAI - it really helps newcomers like me understand that we didn't mess anything up. I'm still waiting for my daughter's SAI to come through, but I feel so much better knowing this is normal!

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Welcome to the community, Talia! I'm new here too and just went through this exact same panic just a few days ago. It's honestly such a relief to find this thread and realize we're not alone in this experience. I had the exact same reaction - spent so much time organizing all my financial documents only to have the system ask practically nothing. The lack of explanation from the FAFSA system itself is really frustrating. Like others have mentioned, even a simple message saying "we're using streamlined processing based on your tax situation" would save so many parents from this stress. Hopefully your daughter's SAI comes through soon and shows everything processed correctly like Katherine's did!

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I'm new to this community and just discovered this thread - what perfect timing! I literally just completed my FAFSA as a parent contributor yesterday and had the EXACT same experience. Only got asked about EIC, then straight to signature. I was sitting there with my entire tax filing spread out on my dining table, ready to enter W-2 info, bank account balances, everything - and the system just... didn't ask for any of it. I genuinely thought I had somehow skipped pages or that there was a technical glitch. Reading through everyone's experiences here has been such a huge relief! It's crazy how many of us went through this same panic. The Department of Education really needs to add some kind of explanation message when this streamlined processing kicks in. A simple "Based on your tax information, additional financial questions are not required" would save so many parents from thinking they broke the system. Thanks to everyone who shared their experiences and especially Katherine for the follow-up update!

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Welcome to the community, Olivia! I'm also relatively new here and just went through this same terrifying experience last week. It's honestly incredible how many of us have had this identical panic - sitting there with all our documents perfectly organized, only to have the system ask virtually nothing. I think what made it even more stressful for me was that I'd heard so many horror stories about the new FAFSA being broken or glitchy, so when it seemed "too easy," I immediately assumed something was wrong. Like you said, even the simplest explanation message would prevent so much unnecessary anxiety. I'm still waiting for my SAI to come through, but reading Katherine's successful outcome and seeing how many others experienced this same thing has really helped calm my nerves. Hopefully both of our applications processed correctly and we'll see those SAI scores soon!

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I'm brand new to this community and just found this thread at the perfect time! I went through this exact same experience just this morning and was absolutely convinced I had somehow broken the FAFSA system. Like everyone else here, I only got the EIC question and then it jumped straight to the signature page - no income questions, no asset information, nothing about my tax documents that I had meticulously prepared. I was literally staring at my computer screen thinking "there's no way this is right!" Reading through all of these experiences has been such a lifesaver. It's honestly shocking how many parents have gone through this identical panic, and it really highlights how poorly the Department of Education has communicated this streamlined process. The fact that so many of us independently had the same reaction shows this isn't user error - it's a design flaw in explaining what's happening. Katherine, thank you so much for posting that update about your successful SAI! Seeing that everything worked out correctly for you gives me so much confidence that my application processed properly too. I'll be checking for my daughter's SAI in a few days, but I feel infinitely better knowing this is actually how the system is supposed to work for families in our income bracket who claimed EIC. This community has been incredibly helpful for a newcomer like me - thanks everyone for sharing your experiences!

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Welcome to the community, Connor! I'm also new here and just went through this exact same terrifying experience a few days ago. It's honestly mind-blowing how many of us have had this identical reaction - I also stared at my screen thinking "this can't be right!" after spending hours organizing all my financial documents. What really struck me about your post is how you described it as a "design flaw in explaining what's happening" - that's exactly right! The system works correctly, but the complete lack of communication about WHY it's skipping questions creates unnecessary panic for so many families. I'm still waiting for my son's SAI to process, but seeing Katherine's successful outcome and reading through everyone's similar experiences has definitely eased my anxiety. It's such a relief to know we're not alone in this experience and that the system actually IS working as intended, even if it feels completely wrong in the moment!

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I'm completely new to this community and just went through this exact same nightmare yesterday! I'm so grateful I found this thread because I was absolutely convinced I had somehow ruined my daughter's FAFSA application. Like everyone else here, I only got asked about the Earned Income Credit and then it immediately jumped to the electronic signature - no questions about my W-2, no bank account information, no investment details, nothing! I had spent the entire weekend organizing every single financial document, creating a checklist, and mentally preparing to enter all our information. When the system basically ignored everything, I thought I had accidentally skipped entire sections or that there was some major technical error. What really gets me is how this streamlined process kicks in without any explanation whatsoever. Reading through everyone's experiences here shows just how many parents are going through this same panic unnecessarily. The Department of Education really dropped the ball on user communication - even a simple message like "Your tax information qualifies you for simplified processing" would prevent so much stress. Katherine, your update about receiving the correct SAI is incredibly reassuring! Seeing that the system actually worked properly despite feeling completely broken gives me hope that my daughter's application processed correctly too. I'll be anxiously checking for her SAI over the next few days, but this thread has honestly saved my sanity. Thank you to everyone for sharing your experiences - it really helps newcomers like me feel less alone in this confusing process!

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Welcome to the community, Ravi! I'm also brand new here and literally just went through this exact same experience two days ago - it's incredible how many of us have had this identical panic! I had the exact same weekend preparation ritual you described, organizing every financial document and creating my own checklist, only to have the system ask practically nothing. When I saw your description of it feeling like a "nightmare," I completely understood because that's exactly how it felt in the moment. The lack of any explanation or confirmation about what was happening made it feel like something had gone terribly wrong. Finding this thread has been such a relief - it really shows how the Department of Education needs to improve their communication about when streamlined processing occurs. Hopefully both of our applications processed correctly and we'll see successful SAI results soon like Katherine did!

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I'm new to this community and just went through this exact same terrifying experience yesterday! Reading through this entire thread has been such a huge relief - I was absolutely convinced I had somehow broken the FAFSA when it only asked about EIC and went straight to signature. Like everyone else, I had all my tax documents perfectly organized and ready to input, only to have the system seemingly ignore everything. The complete lack of explanation from the Department of Education about when this streamlined processing kicks in is really frustrating. It's clear from all these similar experiences that this isn't a glitch - it's just very poorly communicated. Katherine, thank you so much for posting your successful update! Seeing that your SAI came through correctly gives me confidence that mine will too. This thread should honestly be pinned somewhere because it seems like this confusion is happening to a lot of families with lower AGI who claimed EIC.

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Welcome to the community, Oliver! I'm also completely new here and just discovered this thread after going through the exact same panic-inducing experience just this morning. It's honestly both reassuring and frustrating to see how many of us have had this identical reaction - I also spent hours meticulously organizing all my financial documents, creating spreadsheets with our income and asset information, only to have the FAFSA ask literally one question about EIC and then jump to the signature page. I genuinely thought I had somehow accessed the wrong form or that there was a major system glitch. Reading through everyone's experiences here has been incredibly validating - it really shows this is a widespread communication failure by the Department of Education, not user error on our part. The fact that so many parents independently had the same "something is wrong" reaction proves they need to add better explanations when streamlined processing occurs. Katherine's successful outcome gives me hope that our applications processed correctly too, even though the experience felt completely broken in the moment. Thank you for sharing your experience - it helps knowing we're all in this together!

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I'm brand new to this community and just went through this exact same experience last night! I was absolutely terrified when the FAFSA only asked about EIC and then jumped straight to the signature page. Like so many others here, I had spent days organizing all my tax documents, bank statements, and investment records, only to have the system ask virtually nothing. I kept refreshing the page thinking I had missed something or that there was a technical error. Reading through this entire thread has been incredibly reassuring - it's amazing how many parents have had this identical panic! The complete lack of explanation from the Department of Education when streamlined processing kicks in is really problematic. Even a simple message like "Based on your EIC status and income level, we're using simplified processing" would save so many families from this stress. Katherine, thank you so much for sharing your successful outcome! Seeing that your SAI processed correctly despite the confusing experience gives me confidence that my son's application will work out too. This thread honestly needs to be highlighted somewhere because it's clear this is happening to a lot of families in similar income situations. I'll be checking for our SAI in the next few days, but I feel so much better knowing this is actually how the system is supposed to work, even though it feels completely wrong in the moment!

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