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Kendrick Webb

FAFSA formula changes cost my son scholarship and grant - any appeal process?

My son just got his financial aid package for 2025-2026 and I'm completely shocked. He LOST both his need-based scholarship ($3200/year) and a state grant ($1875) that he received the previous two years. Nothing in our finances has changed significantly - if anything, we have MORE expenses now with my daughter starting community college. I spoke with the financial aid office yesterday and was told we're "one of many families" experiencing this because of the new FAFSA formula changes. The counselor mentioned our SAI score is now higher despite our finances being essentially the same. This makes NO sense to me! Is there any way to appeal or protest the SAI score that FAFSA calculated for us? Has anyone successfully challenged these new calculations? We absolutely cannot afford to lose $5000+ in aid.

Hattie Carson

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we lost aid too... our SAI went up by like 4k for no reason. my kid might have to transfer now

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Kendrick Webb

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This is horrible! Did they explain why your SAI increased? The financial aid office just kept saying it's the "new formula" but couldn't tell me specifically what changed in our case.

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Yes, there is an appeal process, but it's very specific. You can't appeal just because the new FAFSA formula gave you a less favorable SAI - that's not grounds for appeal on its own. However, you CAN appeal for special circumstances like: 1. Job loss or significant income reduction 2. Excessive medical expenses not covered by insurance 3. One-time income that inflated your AGI (inheritance, IRA withdrawal, etc.) 4. Support of extended family members 5. Natural disaster expenses The appeal must be made directly to your son's college's financial aid office, not to Federal Student Aid. Each school has their own Professional Judgment process. They'll need documentation to support whatever circumstances you're claiming.

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Kendrick Webb

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Thanks for this info. We do have some medical expenses that weren't on our 2023 taxes (when we filed in spring 2024) but hit us hard later in 2024. I'll gather those receipts. And my wife's hours at work were cut back in November. Would those qualify?

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Yes, both of those circumstances could potentially qualify for Professional Judgment review! Definitely gather documentation for both the medical expenses (bills, insurance statements showing what wasn't covered) and your wife's reduced income (letter from employer, recent pay stubs showing the reduction compared to previous ones). Make an appointment specifically for a Professional Judgment appeal rather than just a general financial aid meeting.

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Dyllan Nantx

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THIS NEW FAFSA FORMULA IS A DISASTER!!! My daughter lost her entire Pell Grant - we went from $4100 to ZERO!!! Called financial aid office and they said there's nothing they can do because it's federal formula. This is criminal what they're doing to middle class families.

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omg thats awful.. did u try calling the FAFSA ppl directly? maybe they made a mistake??

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Dyllan Nantx

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Tried calling FSA 15+ times!!! Either get disconnected or wait on hold forever and never get through. Their website is useless too - just generic explanations about "simplified formula" that are supposed to "help more students" - YEAH RIGHT!!!

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Anna Xian

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Financial aid counselor here. The FAFSA Simplification Act did change how the Student Aid Index (SAI, formerly EFC) is calculated in several significant ways: 1. Different treatment of small businesses and family farms 2. Changes to the income protection allowance 3. Elimination of the sibling discount (multiple students in college) 4. Different calculation for divorced/separated parents 5. Changes to how certain assets are counted For many middle-income families, especially those with multiple students in college, the new formula has resulted in higher SAI scores. While you can't appeal simply because you don't like the new formula, you should absolutely pursue a Professional Judgment review if you have any special circumstances (medical expenses, income changes, etc.). Each college has their own appeal process, but generally you'll need to write a detailed letter explaining your circumstances and provide substantial documentation.

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Kendrick Webb

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Thank you for the clear explanation. So if I'm understanding correctly, the elimination of the sibling discount might be part of our problem since my daughter just started community college? That seems incredibly unfair - our expenses have INCREASED not decreased!

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Anna Xian

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Yes, that's exactly right. Under the old formula, having multiple children in college at once was a major factor that could significantly lower your EFC. With the new SAI calculation, that benefit has been greatly reduced. It's one of the most impactful changes for middle-income families with multiple college students. When you appeal, definitely emphasize the actual costs you're facing with two children in higher education simultaneously.

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I was in the exact same situation last month with my daughter's financial aid package. Lost about $6,400 in institutional grants because our SAI went up by nearly $9k despite no real income changes. I was getting absolutely nowhere with the financial aid office on the phone - constant transfers, long waits, and no real answers. I finally tried using Claimyr to reach an actual Federal Student Aid agent (claimyr.com) and was able to get through in about 15 minutes instead of waiting for hours. The agent explained exactly which aspects of the new formula affected our calculation, which helped me prepare a much more specific professional judgment appeal to the university. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ With the specific information, I was able to successfully appeal and get back about $4,800 of the lost aid. Definitely worth trying!

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Kendrick Webb

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Thank you so much for this recommendation! I've been trying to reach someone at FSA for days with no luck. I'll definitely check out that service - having specific information about our calculation would help enormously with the appeal process.

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Hattie Carson

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did this really work? seems kinda sus that you have to pay just to talk to someone at fafsa...but at this point im desperate enough to try anything

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Rajan Walker

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Have you checked if your son is eligible for any additional scholarship opportunities through the university? Many schools have scholarship funds specifically for continuing students who face financial hardship or who have demonstrated academic excellence. These are separate from the federal aid and sometimes have different application processes. My son applied for three departmental scholarships after losing some aid and received one that helped offset the difference.

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Kendrick Webb

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That's a great suggestion I hadn't considered. He's in the engineering program and has a 3.7 GPA, so maybe there are some merit or departmental scholarships he could apply for. I'll have him schedule a meeting with his academic advisor to ask about options. Thank you!

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this new formula is so confusing!!! i thought it was supposed to make things easier but now im worried about applying for next yr...does anyone know if they're gonna change it again or is this permanent??

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The FAFSA Simplification Act changes are likely here to stay, at least for the foreseeable future. The full implementation happened with the 2024-2025 FAFSA (which became available December 2023), and while there may be small adjustments, the core formula changes are part of legislation that would require Congressional action to significantly modify. Best to plan based on the current formula rather than hoping for another change soon.

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Kendrick Webb

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UPDATE: I wanted to share what worked for us. After gathering all our documentation (medical bills, proof of reduced hours for my wife), we requested a Professional Judgment review with the financial aid office. We also used the Claimyr service that someone suggested to reach an FSA agent who explained exactly which parts of the formula affected us most (mainly the sibling adjustment change and how our retirement savings were counted). We just heard back today - they've restored $2,800 of the institutional scholarship and we'll be receiving an additional $950 work-study award that wasn't in the original package. Still a loss from previous years, but MUCH more manageable. For anyone else facing this issue - DEFINITELY appeal if you have any special circumstances, be extremely specific in your request, provide documentation for everything, and try to understand exactly which formula changes affected your situation so you can address them directly.

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Dyllan Nantx

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THANK YOU for sharing this! Just got my appointment scheduled for next week to appeal. Did you meet in person or was it all through email/online forms?

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Kendrick Webb

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We submitted the initial paperwork online through the school's financial aid portal, but then had an in-person meeting to discuss our situation. I definitely recommend meeting face-to-face if possible - it seemed to help them understand our specific circumstances better than just reading forms.

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