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Leo McDonald

FAFSA SAI score of -1500 in Georgia - Do I need to fill out Georgia Futures application too?

Just finished my FAFSA application and got a Student Aid Index (SAI) of -1500, which I think is pretty good from what I've read. I'm a Georgia resident planning to attend UGA or Georgia State next fall. Quick question - do I still need to complete a separate Georgia Futures application to qualify for state scholarships like HOPE or Zell Miller? The financial aid office at UGA gave me conflicting info when I called, and I'm worried about missing deadlines. Can anyone from GA clarify if these are completely separate applications or if my FAFSA data automatically transfers over? Thanks!

Yes, you absolutely need to complete Georgia Futures separately! FAFSA and Georgia Futures are two completely different systems. FAFSA is for federal aid (Pell Grants, federal loans, work-study) while Georgia Futures handles state-specific programs like HOPE and Zell Miller Scholarships. Make sure you create an account at gafutures.org if you haven't already. You'll also need to complete the GSFAPPS (Georgia Student Financial Aid Application System) through that portal. Your FAFSA data does NOT automatically transfer over. Your SAI score of -1500 is excellent though - you'll likely qualify for significant federal aid!

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Thank you! I didn't realize they were totally separate systems. Going to create my Georgia Futures account tonight.

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Congrats on the -1500 SAI! Thats really good. When I applied last year I got like a -1200 and got a full Pell Grant. But yeah u def need to do the Georgia Futures thing separate. My counselor told me HOPE scholarship doesn't use the SAI at all, it's just based on your high school GPA. So like even if your family makes too much money for Pell Grant u can still get HOPE if ur grades are good enough.

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This is mostly right but HOPE has changed slightly - now it requires at least a 3.0 GPA in core academic courses (not overall GPA), and they calculate it differently than your high school might. They recalculate based on specific courses. If you're looking at Zell Miller, that's a 3.7 GPA plus either a 1200 SAT or 26 ACT score. Worth checking out if you're close to those numbers!

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I'm going through this exact same thing right now! From what I understand, you need to make an account at GAfutures and fill out the Georgia Student Financial Aid Application (GSFAPPS) at the very minimum. But what confuses me is that some colleges also ask for the HOPE application specifically? Does anyone know if that's different than the GSFAPPS? Like are there TWO separate state applications I need to do?? And also is there any deadline for the Georgia stuff? I can't find clear info anywhere.

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The GSFAPPS is the main application for all Georgia aid programs including HOPE. Some schools might refer to it as "the HOPE application" but it's the same thing. As for deadlines, Georgia aid applications can technically be submitted any time, but you should complete it ASAP because some institutional scholarships at Georgia colleges that use HOPE eligibility as a criterion might have earlier deadlines. Each school sets their own priority deadlines.

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If youre going to UGA definitely do Georgia Futures asap!!!! I missed out on the first semester of HOPE because I didnt realize it was seperate from FAFSA and had to pay like $5k out of pocket. Dont make my mistake lol

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Oh wow that's exactly what I'm worried about! Definitely doing it ASAP now. Thanks for the warning!

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I suggest using Claimyr (claimyr.com) to get through to someone at the Georgia Student Finance Commission if you have specific questions about your eligibility. I was getting completely different information from my high school counselor versus what the colleges were telling me about Zell Miller requirements. Called GSFC directly after using Claimyr to skip the phone queue (here's the video that shows how it works: https://youtu.be/TbC8dZQWYNQ). Got clear answers in 10 minutes instead of waiting on hold for hours. Definitely worth it for something this important where the wrong info could cost you thousands in scholarships.

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Thanks for the tip! I've been trying to call GSFC with questions about my specific situation (I took dual enrollment classes and I'm not sure how those factor into HOPE GPA calculations). I'll check out that service.

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I used Claimyr last month to get through to Federal Student Aid about my FAFSA verification issue and it worked well. But just FYI - for Georgia-specific questions, if you're still in high school, your counselor can usually access your HOPE GPA calculation directly through their GAfutures professional account. Might be worth asking them first before paying for a call service.

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Georgia resident financial aid advisor here. Let me clarify a few things: 1. Yes, you must complete the Georgia application separately. FAFSA is federal, GSFAPPS is for state aid. 2. Your SAI of -1500 is excellent! That indicates you'll likely receive maximum Pell Grant (around $7,395 for 2025-26). 3. Georgia has its own formula for HOPE/Zell Miller that has nothing to do with your FAFSA. It's based on academic merit, not financial need. 4. The HOPE GPA calculation only includes core academic courses (English, Math, Science, Social Studies, Foreign Language). The calculation is standardized across all high schools. 5. Make sure your high school sends your final transcript to GSFC (they should do this automatically). 6. Check your GAfutures account regularly for any missing information or verification requests. If you have specific questions about your HOPE eligibility, you can check your calculated HOPE GPA directly through your GAfutures account once you set it up.

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Wow, thank you for all this detailed information! This clears up a lot. One last question - I moved to Georgia halfway through my junior year. Do you know if my out-of-state grades will count toward my HOPE GPA calculation?

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Yes, GSFC will consider all your high school coursework, including classes taken out of state. Make sure both your previous and current high schools send your transcripts to GSFC. Your current Georgia high school should help coordinate this, but it's good to follow up and make sure everything was properly submitted.

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DID U GUYS KNOW the HOPE scholarship doesn't actually pay full tuition anymore?? I just found this out! It only covers a portion now and the amount changes every year based on the state budget. My brother got HOPE in 2019 and it covered 100% of his tuition but now it's like 80-90% depending on the school. Zell Miller still covers 100% but the requirements are way higher (3.7 GPA). Completely ridiculous how they keep changing the rules!!

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This is correct. HOPE covers about 85-90% of standard tuition rates at public universities in Georgia. The exact amount is set annually based on lottery revenue. Zell Miller still covers 100% of standard tuition. Neither covers fees, books, or housing though.

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Yep and it's even less coverage at private colleges in GA. I got HOPE at Emory and it was only like $4,300 per year which is basically nothing compared to their tuition lol

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The whole system is so confusing!! i applied for everythign and still didnt get my zell miller even with a 3.85 gpa because appparently the SAT score I submitted wasn't high enough?? And now I have to pay back the difference between HOPE and Zell for my first semester which is like $1500. make sure u read all the fine print!!

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Yeah the Zell Miller requirements are super strict. You need both the 3.7+ GPA AND either a 1200+ SAT (combined Reading and Math) or 26+ ACT composite. No exceptions even if you're just a few points off. My cousin had a 3.9 GPA but got a 1190 SAT and couldn't get Zell Miller.

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Hey Leo! I went through this exact same process last year as a Georgia resident. Definitely create your GAfutures account ASAP - I almost made the mistake of thinking FAFSA would handle everything. Your -1500 SAI is fantastic and should get you a full Pell Grant! Just a heads up - when you're setting up your GSFAPPS application, make sure all your personal info (SSN, name spelling, address) matches exactly what you used on your FAFSA. Any discrepancies can delay processing. Also, since you mentioned dual enrollment courses from your move to Georgia, those will definitely count toward your HOPE GPA calculation, but make sure GSFC receives transcripts from both your previous and current high schools. One more tip - UGA and Georgia State both have pretty good financial aid offices once you get past the initial phone confusion. Consider scheduling an in-person appointment if you're local. Good luck with everything!

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