FAFSA SAI calculation missing for non-SSN contributor - HOPE scholarship at risk
I'm at my wit's end with this FAFSA nightmare! My college son invited me to contribute to his 2025-2026 FAFSA back in December, and it's been nothing but problems for 3+ months. I don't have my Social Security Number yet (immigration paperwork still processing), so I completed everything using the non-SSN option and submitted all my 2022 tax info as required. After WEEKS of verification documents and back-and-forth, his application finally says 'processed' but there's NO SAI CALCULATION! Without the SAI, his university says he can't receive his HOPE scholarship that he was counting on. The error message mentions something about 'IRA' that needs fixing? I've called FAFSA four separate times and each agent says everything looks fine on their end and to 'contact the college.' Then the financial aid office tells us to 'contact FAFSA' and just keep waiting. Waiting for WHAT exactly??? For my son to lose his scholarship because this system is impossibly broken? I even mailed in a paper application 7 weeks ago as a backup and that didn't help either. Has anyone dealt with the missing SAI calculation issue, especially with a non-SSN contributor? Any advice on how to actually get this resolved before my son loses his financial aid?
20 comments


Lydia Santiago
Unfortunately, this is a common issue with the new FAFSA system when there's a non-SSN contributor. The IRA error is usually related to retirement account information that isn't mapping correctly in their system. Two things you should do immediately: 1) Have your son go to his FAFSA account and use the "Request Professional Judgment" option under the Financial Aid tab. Explain the situation specifically mentioning the missing SAI calculation and non-SSN contributor issue. 2) Ask the financial aid office for a "Dependency Override Form" - this can sometimes bypass the contributor verification issues when there are immigration documentation delays. DON'T just wait - that's terrible advice. The college can actually manually calculate a provisional SAI to release the HOPE scholarship while this gets resolved.
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Melissa Lin
•Thank you so much for these concrete steps! I didn't even know about the Professional Judgment option. Do you know if that will update his application faster than just waiting? We're coming up on scholarship deadlines and I'm seriously panicking.
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Romeo Quest
I went through this exact situation last year with my daughter! The non-SSN contributor process is completely broken in the new system. After two months of runaround, we finally got it fixed by having my daughter go IN PERSON to the financial aid office with all my tax documents and proof of my pending immigration status. The financial aid officer manually overrode something in their system and calculated a temporary SAI so she could keep her scholarships while FAFSA sorted itself out. Eventually, the real SAI came through (took another 4 weeks!) but at least she didn't lose her funding. Don't give up and DEFINITELY don't just "wait" like they're telling you to.
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Melissa Lin
•That's reassuring to hear you eventually got it fixed! I'll tell my son to go to the financial aid office in person tomorrow with copies of everything. Did the temporary SAI end up being close to the final one they calculated?
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Val Rossi
The colleges SAI and FAFSA SAI are usually different anyway so waiting is BAD ADVICE!!! My nephew lost his whole scholarship package last year because of the "just wait" approach from FAFSA! The IRA thing is a glitch with the system where it's not properly coding retirement account contributions for non-citizen contributors. It's NOT YOUR FAULT!! But you need to be super aggressive about getting it fixed because no one else will. FAFSA helpline is completely worthless this year with all the system changes.
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Eve Freeman
•I agree the helpline has been trash, but there's no need to panic people. A missing SAI doesn't automatically mean lost scholarships. Most schools have contingency processes for these exact FAFSA glitches.
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Eve Freeman
Have you tried using Claimyr to get through to a FAFSA specialist directly? Regular FAFSA phone support is tier 1 and can't help with complex contributor issues, but the specialists can actually fix SAI calculation problems. I spent 3 weeks trying to call normally, then used Claimyr (claimyr.com) and got through to a specialist in minutes who fixed our similar issue. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ Not all FAFSA agents can access the contributor verification backend where your non-SSN issue is probably stuck. You need to speak with someone in the Federal Student Aid Special Handling Unit.
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Melissa Lin
•I've never heard of this service - does it really get you past the regular phone queue? I've wasted so many hours on hold just to talk to someone who clearly has no idea how to help with my specific situation.
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Clarissa Flair
hi random question but does your son attend Georgia State by any chance? the HOPE scholarship thing made me wonder. my daughter goes there and they have a special FAFSA exception process specifically for international parents without SSNs. they do a separate calculation form if your financial aid counselor is named Ms. Peterson she's amazing with these cases
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Melissa Lin
•No, he's at University of Tennessee, but thank you anyway! I'll ask if they have a similar exception process. Anything is worth trying at this point.
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Caden Turner
omg same thing with the IRA error!!! the problem is the system is looking for retirement account verification but since ur using the non-SSN contributor option it can't match the IRA info with the IRS database!!! they told me to just wait too but i kept calling EVERY DAY until i got someone who knew what they were doing and they put in a manual override for the verification don't wait!!! call and ask specifically for a "contributor verification bypass" - thats the magic phrase that worked for me!! took like 3 more days after that and then my daughters SAI finally showed up
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McKenzie Shade
•This is correct. The "contributor verification bypass" is a real thing in the FAFSA system. What happens is non-SSN contributors get flagged for additional verification when there's retirement account information that can't be automatically verified through the regular IRS data retrieval process. The standard agents won't know about this bypass option, but if you keep calling and specifically ask for someone who handles non-citizen contributor issues, you might get someone who knows the proper procedure. Alternatively, your son's financial aid office can initiate a "Professional Judgment Review" which can temporarily generate a provisional SAI while the system issues are being resolved.
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Lydia Santiago
Quick follow-up: One other thing to check - is your son's dependency status correctly marked in the FAFSA? Sometimes with non-SSN contributors, the system incorrectly flags the student as "independent" rather than "dependent with contributor information pending verification." If that happened, it would definitely cause the SAI calculation to fail or be incorrect.
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Melissa Lin
•You know, I'm not sure about that. How would we check his dependency status? When I log into my contributor portal it shows that I'm connected to his application, but maybe on his end it's showing something different?
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McKenzie Shade
Let me clarify some things about the non-SSN contributor process and SAI calculation: 1. The FAFSA system requires an extra verification step when a contributor doesn't have an SSN, particularly when retirement accounts (like IRAs) are reported on tax returns. 2. What's likely happening is that the IRA information you reported can't be automatically verified through the IRS Data Retrieval Tool (since it requires an SSN match). 3. Without this verification, the system won't calculate the SAI, but it should show a specific error code, not just mention "IRA" vaguely. 4. Your son should log into studentaid.gov and check his "Application Status" page. Look for a specific error code (likely starting with 20, 21, or 30) which will tell us exactly where the problem is. 5. For the HOPE scholarship specifically (assuming Tennessee HOPE), the college can actually use last year's methodology to calculate a provisional eligibility while these FAFSA issues are resolved. This is fixable but requires specific steps, not just waiting.
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Melissa Lin
•Thank you for these details. The error is code 21-C, which mentions "Contributor retirement account information requires additional verification." So it sounds exactly like what you described about the IRA information! I'll have him contact both FAFSA (using the specialist suggestion above) and his financial aid office with this specific error code.
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Caden Turner
did u submit the paper signature page too??? sometimes with non-SSN the electronic signature doesnt work right and they need the paper one even if u did everything else online
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Melissa Lin
•Yes, I mailed in the signature page with the paper application about 7 weeks ago. Still nothing! It's like it went into a black hole.
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Val Rossi
FAFSA IS SUCH A DISASTER THIS YEAR!!! My daughter almost lost her entire aid package because of their stupid system problems. After WEEKS of getting nowhere, I finally contacted our state representative's office and filed a formal complaint. Magically, the FAFSA issues were resolved within 48 HOURS after that. Don't waste any more time with their useless phone support. Either use the Claimyr service someone mentioned, go directly to the financial aid office, or contact your congressional representative's constituent services. This is literally what they're there for!
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Lydia Santiago
•This is actually good advice. Congressional inquiries for FAFSA issues get routed to a special team at Federal Student Aid that can expedite fixes. Just make sure you have all the specifics about the error code (sounds like 21-C from what the OP mentioned above) and documentation of how long you've been trying to resolve it.
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