FAFSA SAI of 2658 - still eligible for NY TAP aid after partial Pell Grant?
Just got my daughter's SAI score back at 2658 and I'm pretty devastated. I was SURE she would qualify for the full Pell Grant with our financial situation (single parent, income under $32,000, literally zero assets besides my 12-year-old car). I don't understand how the FAFSA calculated this number when we're barely making ends meet. She'll get some Pell Grant money but not the full amount from what I can tell. Does anyone know how to apply for New York State's TAP program with this SAI score? Is there a separate application or does the FAFSA information transfer automatically? I'm completely lost on what to do next and my daughter starts college this fall.
21 comments


Madison Tipne
Your daughter will definitely still qualify for a substantial Pell Grant with an SAI of 2658. For the 2025-2026 aid year, the maximum Pell is for SAIs of 0-3000, so she's still in a good range. The NY TAP program requires a separate application through the Higher Education Services Corporation (HESC) website. Your FAFSA information will transfer, but you need to complete the additional state application. The good news is that with your income level, she should qualify for significant TAP funding as well.
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Finley Garrett
•Thank you so much for the information! I was under the impression that only an SAI of 0 got the full Pell Grant. That's a relief. Do you know where exactly on the HESC website I need to go? I've been looking and it's confusing.
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Holly Lascelles
my daughter got an sai of like 3100 last year and still got almost the full pell grant amount, dont stress too much. the new york state thing is seprate tho, gotta do another form
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Finley Garrett
•That's reassuring to hear! Did your daughter get NYS aid too? How much paperwork was involved?
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Malia Ponder
The NY TAP application process is pretty straightforward. Go to hesc.ny.gov and create an account. The system will pull most of your FAFSA data automatically, but you'll need to answer some NY-specific questions. With your income level and SAI, your daughter should be eligible for close to the maximum TAP award, which is around $5,800 for the 2025-2026 academic year. Remember that TAP is only for NY state schools though - it won't apply if she's going to an out-of-state college.
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Finley Garrett
•Thank you! She's going to SUNY Buffalo so that's perfect. I'll check out the website tonight. I just wish they made this process more clear for first-time college parents.
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Kyle Wallace
DID U KNOW THE WHOLE FINANCIAL AID SYSTEM IS DESIGNED TO CONFUSE PPL?? they WANT u to miss deadlines and not get aid! the middle class gets CRUSHED while the ultra rich pay full price easily and the very poor get everything covered. its a SCAM
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Malia Ponder
•While the system can definitely be confusing, the SAI formula is actually designed to provide more aid to lower-income families. With an SAI of 2658 and income under $32,000, the OP's daughter will likely qualify for substantial aid between federal Pell Grants, NY State TAP, and possibly institutional aid from SUNY Buffalo.
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Ryder Ross
Have you considered appealing your SAI? My son's initial FAFSA gave us an SAI of 4200, but I submitted an appeal to his school's financial aid office explaining our circumstances (medical bills not reflected on taxes) and they adjusted it down to 1800. Might be worth trying if you have any special circumstances the FAFSA doesn't capture.
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Finley Garrett
•I hadn't even thought about appealing! I do have some medical expenses from last year that weren't captured. How exactly did you start the appeal process?
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Gianni Serpent
My nephew went through this last year trying to get his finaid appeal processed. He kept calling FSA for weeks trying to get through to someone who could help with his verification issues, always on hold forever. He finally used something called Claimyr (claimyr.com) that got him through to an actual person at Federal Student Aid in like 5 minutes. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ. Saved him so much frustration when he needed to update his FAFSA for the appeal process.
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Finley Garrett
•I've been on hold with them twice already for over an hour each time! I'll definitely check this out - especially if I need to appeal or have questions about the TAP application. Thank you!
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Henry Delgado
Just wanted to say - congrats on having an SAI of only 2658! That's actually really good. My daughter's came back at 11,245 despite us not being wealthy by any means (teacher and nurse). Your daughter will definitely qualify for significant aid with that number. For NYS TAP, they use a different calculation called the NY State Net Taxable Income (NTI), which sometimes works out even better than the federal formula.
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Finley Garrett
•Thank you for saying that - I've been so stressed about this! It helps to have some perspective. I'll look into the NTI calculation too.
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Kyle Wallace
ur making under 32k and they gave u an SAI of 2658?? thats CRIMINAL!! the system is SO BROKEN. i know someone making 60k who got an SAI of 0 somehow. the whole thing is who u know and how good u are at working the system
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Madison Tipne
•That's very unlikely. The FAFSA formula is standardized and an income of $60K would almost never result in an SAI of 0 unless there were multiple dependents in college simultaneously or extremely unusual circumstances. The formula consistently provides more aid to lower-income families, though it's not perfect.
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Holly Lascelles
dont 4get to check with SUNY buffalo directly too, they might have their own scholarships u can apply for on top of the TAP and pell stuff
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Finley Garrett
•Good point! I'm going to call their financial aid office tomorrow and see what else might be available.
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Malia Ponder
To apply for NYS TAP, follow these exact steps: 1. Wait 3-5 days after submitting your FAFSA for the data to transfer 2. Go to hesc.ny.gov and click on "Apply for TAP" 3. Create an account using the same email as your FSA ID 4. Complete the application (it's much shorter than the FAFSA) 5. Make sure to list SUNY Buffalo on your application With your income level, you should expect a significant TAP award. Combined with the Pell Grant, this should cover a substantial portion of the tuition costs.
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Finley Garrett
•This is incredibly helpful, thank you! I submitted the FAFSA about a week ago so the data should be ready. I'll follow these steps tonight.
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Dylan Wright
I completely understand your stress about this! As a parent who went through this process two years ago, I want to reassure you that an SAI of 2658 with your income level actually puts your daughter in a very good position for aid. The FAFSA formula considers more than just income - it factors in family size, number in college, and other variables that can sometimes seem confusing. With your income under $32K, she'll definitely qualify for a substantial Pell Grant (likely around $6,000+ for the year) plus significant NY TAP funding. Make sure to also check if SUNY Buffalo has any need-based institutional grants - many SUNY schools offer additional aid beyond federal and state programs for students in your income bracket.
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