FAFSA disbursement withheld after graduation - school says I owe money due to 2022 tax return changes?
I'm super confused about my financial aid situation and could use some guidance. I completed my program in December, but I'm being told I can't officially graduate because I suddenly have an outstanding balance on my account. The financial aid office initially said I was fully covered through FAFSA, but now they're claiming that based on my 2022 tax return information, I need to pay some amount out-of-pocket. They mentioned something about my SAI changing? They're telling me my remaining financial aid will be disbursed in the next "batch" but refuse to give me an actual date. This is seriously impacting me since I can't get my professional license until my account is cleared and I officially graduate. Has anyone dealt with something like this? Is it normal for schools to withhold financial aid disbursements without providing specific dates? I feel like I'm being given the runaround and don't know what my options are.
24 comments


Ava Hernandez
This happened to me too! My school did the same thing - told me I was covered then suddenly said my tax info changed my eligibility. You need to demand to speak to a financial aid counselor, not just the front desk person. Ask for a written breakdown of your aid package and what exactly changed. The whole "next batch" thing is BS - they have specific disbursement dates they can tell you. Don't let them keep you in limbo!
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Noah Lee
•Thank you for the advice! I'll definitely ask for that breakdown. Did you eventually get your aid disbursed? How long did it take after you pushed for answers?
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Isabella Martin
i went thru similar but different... my school held my disbursmnt bcuz they claimed i didnt complete exit counseling but i DID. turned out they just hadnt processed it yet. def get everything in writing n take names of who u talk to. sometimes calling fafsa directly helps more than talking to the school tbh
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Elijah Jackson
•^^^^ THIS. Schools are notorious for "losing" paperwork. Document EVERYTHING.
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Sophia Miller
Financial aid counselor here. This situation is unfortunately common but needs clarity. When your SAI (Student Aid Index) changes based on updated tax information, it can affect your aid eligibility. However, the school is required to provide: 1. A clear explanation of what specifically changed in your eligibility 2. Documentation showing the before/after calculations 3. Specific disbursement dates for any remaining aid 4. Options for appealing if you believe there's an error The vague "next batch" language is concerning. Request a formal aid adjustment notice in writing. If they refuse, you should contact your school's ombudsman or file a complaint with the Department of Education's Federal Student Aid Feedback System.
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Noah Lee
•This is really helpful, thank you! Is there a specific form or document name I should be asking for to get this breakdown? And is there a timeline they're required to follow for disbursements after graduation?
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Sophia Miller
•Ask specifically for your "Financial Aid Award Letter" with the recalculated amounts and an "Account Statement" showing your current balance. Schools must disburse funds within 14 days of receipt from the Department of Education. For post-completion disbursements, they should follow their published disbursement schedule - which you can request a copy of as well. If they're being evasive about dates, that's a red flag.
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Mason Davis
SCHOOLS DO THIS ALL THE TIME!!!! They hold your degree hostage until you pay whatever random amount they decide you owe! My sister had the EXACT same situation - they told her she was covered, then suddenly said her tax info changed things, and wouldn't give her a graduation date. We ended up having to pay $3,700 out of pocket with ZERO explanation of where that number came from. The financial aid system is COMPLETELY RIGGED against students!!!
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Mia Rodriguez
•Not always true. I had an issue with my disbursement too, but it turned out there was legitimately a change in my parent's income that affected my SAI. The school actually helped me appeal based on current year income and I ended up getting more aid than originally. Not every school is trying to scam students.
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Jacob Lewis
The financial aid office should be providing you with specific information about why your aid changed. This sounds like what's called a "Professional Judgment" adjustment, where your school's financial aid administrator reviewed your FAFSA information against your actual tax documents and found a discrepancy. A few important things to know: 1. Schools are required to give you a clear breakdown of any changes 2. If your SAI increased based on 2022 taxes, that can reduce your aid eligibility 3. The "next batch" typically refers to the school's regular disbursement schedule, which should be published somewhere I'd recommend requesting a meeting with a senior financial aid officer (not just the front desk) and asking for documentation of exactly what changed in your file.
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Noah Lee
•Thank you for explaining this! I'll definitely ask for a meeting with a senior officer. Is there a way to appeal if I think the adjustment is incorrect? My financial situation in 2022 wasn't actually better than what I reported initially.
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Mia Rodriguez
I had almost this exact situation last year and it was incredibly frustrating trying to get answers from my school. After weeks of getting nowhere with emails and visiting the financial aid office, I finally managed to reach someone at Federal Student Aid who could help me understand what was happening with my disbursement. I used Claimyr to get through to an actual person at FSA - saved me hours of hold time and disconnected calls. They have a video that shows how it works: https://youtu.be/TbC8dZQWYNQ The FSA agent was able to confirm my disbursement status and gave me specific information that I then took back to my school. Suddenly the financial aid office was much more helpful when they realized I had spoken directly with FSA. Worth trying if you're getting nowhere with your school.
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Isabella Martin
•did they fix ur issue tho? or did u still have to pay?
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Mia Rodriguez
•In my case, it turned out there was a legitimate change in my aid eligibility, but the amount was much smaller than what my school initially claimed. I had to pay about $580 instead of the $1,900 they first told me. The FSA agent helped me understand exactly what had changed with my SAI calculation.
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Ava Hernandez
Have you checked your studentaid.gov account? Sometimes you can see disbursement information there that the school isn't telling you. Also, if they're talking about your 2022 tax return affecting things, that sounds like verification might have happened - did they ever ask you to submit additional documentation to verify your FAFSA info?
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Noah Lee
•I just checked my studentaid.gov account and it shows all disbursements as completed, which doesn't match what my school is saying! And yes, they did ask for verification documents back in August, which I submitted right away. I thought that was all resolved months ago.
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Sophia Miller
•If your studentaid.gov account shows disbursements as completed but your school claims they haven't received funds, there's a serious disconnect that needs to be addressed immediately. Print out your studentaid.gov disbursement record and bring it to your next meeting with financial aid. This suggests either a processing error or potentially something more concerning.
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Elijah Jackson
Your school is giving you the runaround hoping you'll just pay up without questions. Classic tactic. Don't budge until they give you EXACT numbers and documentation.
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Amelia Martinez
•My cousin had this exact problem last year. Turns out the school had applied her aid to the wrong semester and was trying to charge her twice! Check your aid history for each term carefully.
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Jacob Lewis
Based on everything you've shared, I think there are three possible scenarios: 1. Verification results: If your FAFSA was selected for verification and they found discrepancies between reported info and your tax documents, this could legitimately change your SAI and reduce your aid. 2. R2T4 calculation: Since you completed in December, they may have done a Return to Title IV calculation that determined you weren't enrolled long enough to earn all your aid. 3. Administrative error: Your aid may have been incorrectly applied or not properly processed. The fact that studentaid.gov shows disbursements as completed while your school claims otherwise is particularly concerning. I strongly recommend escalating this to the school's Financial Aid Director (not just a counselor) and requesting specific documentation of any aid adjustments or R2T4 calculations.
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Noah Lee
•Thank you for breaking this down! I'm going to email the Financial Aid Director today and request a meeting. Is there anything specific I should say or documentation I should bring to make sure I get clear answers?
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Jacob Lewis
•When meeting with the Director, bring: 1. Printouts of your studentaid.gov disbursement records 2. Any written communications about your aid package 3. Documentation of when you submitted verification materials 4. Your original financial aid award letter 5. A written timeline of events and communications Request in writing: - Your final aid eligibility calculation - Documentation of any R2T4 calculation - A detailed account statement showing all charges and aid applied - An explanation of any discrepancies between FSA records and school records Be firm but professional. Document everything, including who you speak with and when.
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StarStrider
I'm dealing with something similar right now! My school is also being super vague about disbursement dates and suddenly claiming I owe money after telling me I was fully covered. What's really frustrating is they keep saying "it's being processed" but won't give me any timeline. I've been trying to get my transcripts released for weeks now because I need them for a job application. Have you tried going above the financial aid office? I'm thinking about contacting the registrar's office directly since they're the ones actually holding my records. Also, is there a student advocacy office at your school? Mine has one and I'm wondering if they might be able to help push for faster resolution. Keep us updated on what happens when you meet with the Financial Aid Director - I might need to do the same thing!
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Lucas Schmidt
•I'm in a really similar boat! It's so frustrating when they keep you in limbo like this. I haven't tried going to the registrar's office yet, but that's actually a really good idea - they might have different information or be able to put pressure on financial aid from another angle. My school does have a student advocacy office too, I completely forgot about that resource! I'm definitely going to try contacting them before my meeting with the Financial Aid Director. Having an advocate who knows the system could really help navigate this mess. I'll absolutely keep everyone updated on how the Director meeting goes - hopefully we can both get some real answers soon instead of these vague "it's being processed" responses. Thanks for the suggestions! Sometimes it helps just knowing other people are dealing with the same ridiculous bureaucracy.
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