FAFSA confusion - both parents created contributor accounts, did we mess up our submission?
I'm so stressed about my daughter's FAFSA application for 2025-2026. We've been struggling with it for weeks, and yesterday she finally managed to sign and submit it, but now I'm worried we've completely screwed up. Both my wife and I created separate contributor accounts and filled out our sections, but now I'm seeing comments online saying only one parent needed to do this? The studentaid.gov site is completely unclear about this. Can we fix this if it's wrong? Will we get notified if there's a problem? How long until we know if we messed up? Getting straight answers about this process feels impossible! Has anyone else dealt with multiple contributor accounts? Should we try to contact someone?
26 comments


Diego Flores
dw about it both my parents made accounts too and our FAFSA was processed fine. system can handle it. u'll get ur SAI within 3-5 days prob
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Chloe Taylor
•Thanks, that's reassuring! Did you have to do anything special since both parents had accounts? I'm just worried about the system getting confused with duplicate information.
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Anastasia Ivanova
You haven't messed anything up! The new FAFSA actually allows for multiple contributors, although only one is required for most situations. Each contributor account is linked to the student's application through their specific invitation process. The system will recognize both of your accounts as valid contributors to your daughter's application. You should receive the Student Aid Index (SAI) calculation within 3-7 business days if everything else was completed correctly. If there are any issues with the multiple accounts, you would receive an email notification requesting corrections.
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Sean Murphy
•This is not entirely accurate. While the system CAN handle multiple contributor accounts, sometimes it creates verification flags. Happened to my family and took WEEKS to resolve. Better to contact FSA directly to verify status.
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Anastasia Ivanova
•You're right that in some cases it can trigger additional verification. However, that typically happens when there are conflicting income figures reported by different contributors, not simply because multiple contributors exist. But your advice to contact FSA directly is good practice regardless!
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StarStrider
The studentaid.gov site is TERRIBLE at explaining anything clearly. When I went through this with my kid last month, we had a similar situation with multiple contributor accounts. I spent 5 HOURS trying to call FSA to confirm if it would cause problems. Kept getting disconnected or stuck on hold. Finally, I found Claimyr (claimyr.com) which got me through to an actual FSA agent in about 20 minutes. They confirmed that multiple contributor accounts are fine as long as the student correctly linked them in their application. The agent verified everything was good on our end. There's a video showing how it works: https://youtu.be/TbC8dZQWYNQ Saved me days of stress wondering if we'd messed everything up!
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Chloe Taylor
•Thank you so much for this suggestion! I've been trying to call them all morning with no luck. I'll check out that service - at this point I'd do anything to get some clarity on whether our application is correct.
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Zara Malik
Financial aid counselor here. Here's what happens with multiple contributor accounts: 1. The system links both contributors to the student's application 2. Both sets of information are considered when calculating the Student Aid Index (SAI) 3. If there are no discrepancies between the information provided, there's no issue 4. If there are significant differences in reported information, it may trigger verification The only time multiple accounts create problems is when contributors don't properly complete their sections or when income information doesn't match tax records. As long as both you and your wife accurately reported your information and your daughter properly linked your accounts, you should be fine.
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Chloe Taylor
•Thank you for the detailed explanation! One follow-up question - if we're selected for verification because of the multiple accounts, how long does that typically delay the processing? My daughter has scholarship deadlines coming up that require her SAI number.
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Zara Malik
•Verification typically adds 2-3 weeks to processing time, sometimes longer during peak periods (December-February). If your daughter has upcoming scholarship deadlines, I recommend contacting those programs directly to explain the situation. Many scholarship programs will grant extensions when verification is pending, especially if you can provide documentation showing the FAFSA has been submitted and is under review.
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Luca Marino
I went thru this EXACT thing last year!!1! The whole process is soooo confusing. We had both parents make accounts AND my stepdad made one too which was completely unnecessary lol. Ended up with THREE contributor accounts on my application. We got selected for verification and it took FOREVER to sort out. Just be prepared for them to ask for more documentation... they made us upload tax docs twice because they "lost" the first submission somehow. The most annoying part was that nowhere on the site did it clearly say who needed contributor accounts!!!!
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Nia Davis
•omg they lost my docs too! the verification process is such a mess. took me 2 months to get my aid package because of it. and my school's financial aid office was no help at all.
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Luca Marino
•The financial aid offices are useless tbh. They just keep telling you to "check the FAFSA website" which doesn't answer anything. I ended up having to go in person and basically refuse to leave until someone helped me lol
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Anastasia Ivanova
One more thing to keep in mind: while having multiple contributor accounts is fine, make sure your daughter has properly linked BOTH accounts to her application. She should be able to see both contributors listed in her FAFSA dashboard. If one parent is missing, she may need to send another invitation through her account.
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Chloe Taylor
•Just checked with her and she says both our accounts show up as linked contributors on her dashboard, so that's good news! Just waiting for the SAI calculation now and hoping we don't get flagged for verification.
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Nia Davis
when i did my fasfa for this year my parents both had accounts but only mom finished her section and dad never did his part. my application still went through fine but then i got selected for verification later and had to submit my dads tax info anyway. so i think having both accounts is actually BETTER than just having one! youre probably fine
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Sean Murphy
•The system doesn't work that way. Verification selection is random for some applicants and criteria-based for others. Having multiple accounts doesn't make verification less likely.
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Zara Malik
Update for everyone in this thread: The 2025-2026 FAFSA specifically allows for multiple contributors, which is actually a design feature of the new simplified FAFSA form. The system can handle multiple contributors without issues as long as they are properly linked to the student's application. If you're concerned about your application status, you can always check the status online or call the Federal Student Aid Information Center at 1-800-433-3243. They can confirm whether your application is processing correctly and if any additional steps are needed.
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Justin Trejo
As someone who just went through this process with my own kid, I can confirm that having both parents create contributor accounts is totally normal and won't cause any issues! The new FAFSA system is actually designed to handle multiple contributors. The key thing is that your daughter properly linked both accounts to her application (which it sounds like she did since they both show up in her dashboard). You should get your SAI within a few days, and if there were any problems with the multiple accounts, you would have gotten an error message during the submission process. Don't stress too much about it - the system is way more flexible than the old FAFSA. The confusing part is just that the studentaid.gov website doesn't do a great job explaining this clearly upfront!
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Nia Wilson
•This is such a relief to hear from another parent who went through the same thing! You're absolutely right about the website not explaining things clearly - I spent hours trying to figure out if we were doing it right. Thanks for confirming that the system is designed for this. Really appreciate you taking the time to reassure us stressed parents!
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Emma Bianchi
Hey there! I totally understand your stress - I went through the exact same panic with my twins' FAFSA applications earlier this year. Both my husband and I created contributor accounts and I was convinced we'd messed everything up too! Turns out it's completely fine and actually pretty common. The system handled it without any issues, and we got our SAI calculations within about 4 days. The fact that your daughter can see both of your accounts linked in her dashboard is a great sign - that means everything connected properly. One tip: save screenshots of the confirmation pages and keep track of your application ID number. That way if you do need to call FSA for any reason, you'll have everything handy. But honestly, from what you've described, it sounds like you did everything correctly. The waiting is the hardest part!
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Rita Jacobs
•Thank you so much Emma! Your advice about saving screenshots is really smart - I wish I'd thought of that earlier. It's so comforting to hear from other parents who went through the exact same panic. The waiting really IS the hardest part! I keep checking my email obsessively for any notifications. Did you end up getting selected for verification with the multiple contributor accounts, or did everything process smoothly?
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Skylar Neal
Don't worry at all! I'm a college financial aid advisor and I can confirm that having both parents create contributor accounts is actually very common and won't cause any problems with your FAFSA submission. The 2025-2026 FAFSA system is designed to handle multiple contributors seamlessly. Since your daughter can see both accounts linked in her dashboard, that means everything was set up correctly. You should receive your SAI within 3-5 business days if there are no other issues with the application. The only time multiple contributor accounts cause delays is if there are significant discrepancies in the financial information provided, but that would trigger an immediate error during submission rather than a processing delay later. Since your application went through successfully, you're in good shape! Keep an eye on your email for the SAI notification, and don't hesitate to contact your daughter's school's financial aid office if you have any questions once you receive it. They can help interpret the results and guide you through next steps for aid applications.
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Liam Murphy
•Thank you so much for the professional reassurance! It's really helpful to hear from someone who works directly with FAFSA applications. I feel so much better knowing that the system going through successfully means we're likely in the clear. I'll definitely reach out to the financial aid office once we get the SAI - having that professional guidance will be invaluable for the next steps. Really appreciate you taking the time to explain this so clearly!
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Keisha Jackson
I just went through this exact same situation a few weeks ago! Both my husband and I created contributor accounts and I was absolutely panicking that we'd ruined our son's application. Turns out it's totally fine - we got our SAI in 4 days and everything processed normally. The new FAFSA system actually expects multiple contributors in many cases, especially for married parents filing jointly. As long as both of your accounts show up in your daughter's dashboard (which you confirmed they do), you're all set. One thing that helped ease my anxiety was calling the school's financial aid office directly. They were able to pull up our application and confirm everything looked good on their end. Might be worth doing that if you want extra peace of mind while waiting for the SAI!
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Kristian Bishop
•Thank you Keisha! That's such a great idea about calling the school's financial aid office - I hadn't thought of that but it makes perfect sense that they could check the application status on their end. I'm definitely going to do that tomorrow for some extra peace of mind while we wait. It's so reassuring to hear from yet another parent who went through this exact panic and had everything work out fine. This whole thread has been incredibly helpful!
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