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Luca Ricci

FAFSA gave almost nothing despite divorced parents - $240K debt for Bentley? Need urgent help!

Just got our SAI score yesterday and I'm completely devastated. My son has been accepted to Bentley (his absolute dream school), but FAFSA gave us practically nothing. We're looking at $60K per year which means about $240K debt by graduation! His dad and I have been divorced for years, and I have full custody. His father barely contributes financially despite the court order, and I'm just a middle-class single mom trying to make ends meet. My son has worked SO hard - 4.0 GPA, tons of AP classes, part-time job all through high school despite all the family drama. He's been accepted to other schools too, but honestly, the financial packages aren't much better anywhere. The worst part is we just got our final FAFSA results YESTERDAY, and enrollment deadlines are literally now. I feel like we're being punished because his dad makes decent money on paper but doesn't actually support his education. Is there any way to appeal based on the absent parent situation? Or are there emergency scholarships he could still apply for? Any advice would be so appreciated - I'm desperate and my son is heartbroken.

You need to immediately request a professional judgment review from Bentley's financial aid office! Call them TODAY and explain the situation with the absent father. They can do a dependency override in special circumstances. My daughter was in a similar situation and got an additional $23k per year after we provided documentation of the situation.

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Luca Ricci

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Thank you! I'll call Bentley today. Did you need to provide specific documentation about the absent parent situation? Was there a formal appeal process? I'm worried they'll just tell us it's too late.

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omg $240k is INSANE for undergrad!! tell ur son to go to a state school for 2 yrs then transfer!!! my cousin did that and saved like 100k seriously

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Luca Ricci

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I've been trying to talk to him about that option, but he's set on Bentley's business program. You're right though - the debt is terrifying. Maybe I can convince him to consider the community college route if the appeal doesn't work out.

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Yuki Watanabe

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I work in financial aid, and I can tell you that what you're experiencing is extremely common with divorced families. Your FAFSA calculation is likely including your ex-husband's income even though he doesn't contribute. You need to do three things immediately: 1. Contact Bentley's financial aid office and request a Professional Judgment Review based on "special circumstances" - specifically the non-custodial parent's lack of financial contribution 2. Gather documentation: custody agreement, any court orders for support, proof that payments aren't being made, and your tax returns 3. Submit a CSS Profile if you haven't already - some private schools use this for institutional aid Don't give up! Financial aid offices have discretion to adjust your SAI based on special circumstances. This happens more than you think.

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Luca Ricci

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Thank you so much for this detailed advice. We did complete the CSS Profile back in November but I don't think they considered our family situation properly. I'll gather all the documentation today and reach out to Bentley's office. Do you know if there's a specific form for the Professional Judgment Review or is it just a conversation with the financial aid office?

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I went through this EXACT thing with my daughter last year!!! The whole FAFSA system is BROKEN for divorced families!!! My ex made $120k but hasn't given us a DIME in 6 years, yet FAFSA counted his income and we got NOTHING!!! It's CRIMINAL how they handle these situations!!! WE FOUGHT BACK though!!! Call the financial aid office at Bentley EVERY DAY until they help you. Send emails to the dean if needed! Don't take no for an answer! The squeaky wheel gets the grease!!!!

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Andre Dupont

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Did you actually get anywhere by calling repeatedly? I feel like that would just annoy them and make them less likely to help...

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YES!!! We got an additional $16k per year after I finally reached the director of financial aid! You have to ADVOCATE for your child in this broken system!!! The first 3 people I talked to said nothing could be done, but I PERSISTED!!!

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Zoe Papadakis

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I had the same issue with my FAFSA application this year. I couldn't get anyone on the phone at the Federal Student Aid office - kept getting disconnected after waiting for hours. After trying for days, I used Claimyr.com and got through to an actual FSA agent in 15 minutes. They helped me understand how to document special circumstances for my son's situation with his absent father. The agent walked me through the exact appeal process to submit to the college. You can see how it works in their video demo: https://youtu.be/TbC8dZQWYNQ After talking with FSA, we appealed to our college's financial aid office with the right documentation and got an additional $12k per year. Definitely worth trying!

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Luca Ricci

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Thank you for this recommendation! I've been trying to get through to FSA since yesterday with no luck. I'll check out Claimyr right away - we need to understand exactly what documentation to provide for the appeal.

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ThunderBolt7

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Former financial aid counselor here. A few important things to understand: 1. The FAFSA calculation (SAI) doesn't actually distinguish between parents in a divorced situation very well. Even if one parent provides no support, their income may still factor into the calculation, which is why your aid was likely so low. 2. You absolutely have grounds for a special circumstances review or professional judgment appeal. This is a specific process where financial aid administrators can adjust your FAFSA data elements based on documented special circumstances. 3. Documentation is critical: You'll need court documents showing custody, any support orders, bank statements showing lack of received payments, and possibly a notarized statement explaining the situation. 4. The CSS Profile (which many private schools use in addition to FAFSA) actually does have provisions for reporting non-custodial parent information separately, so check if Bentley uses the CSS Profile. 5. Don't forget to explore outside scholarships - there are still some with late deadlines or rolling applications. Most importantly, don't let your son commit to $240K in debt. No undergraduate degree justifies that level of debt, even from a prestigious business school like Bentley.

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Luca Ricci

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This is incredibly helpful, thank you! We did submit the CSS Profile back in November, but I don't think I provided enough documentation about the custody situation. I'm going to follow your advice and request the professional judgment review immediately. You're right about the debt - I can't let him start his adult life with that kind of financial burden.

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Jamal Edwards

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my nephew had this same prblm. his dad made like $90k but didn't help AT ALL with college. he ended up taking a gap year and establishing independence which helped alot with the fafsa stuff. might be something to think about if u can wait a year

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Yuki Watanabe

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Unfortunately, FAFSA independence requirements are very strict. Simply taking a gap year won't establish independence. The student would need to be 24 years old, married, have dependents of their own, be a veteran, or have other very specific circumstances. Living separately and supporting oneself for a year does not qualify a student as independent for FAFSA purposes.

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Has your son thought about going to a cheaper school for a year and then transferring to Bentley? That's what my daughter did. She did 1 year at our local state university (with scholarships) and then transferred to her dream school. They gave her MUCH better financial aid as a transfer student for some reason! It saved us about $40k total!

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Luca Ricci

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That's actually a really smart approach! I hadn't considered that the financial aid situation might be different for transfer students. I'll definitely talk to him about this option. Did your daughter have any issues with credits transferring to her dream school?

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She lost a few credits in the transfer but not many! The key is to look at Bentley's transfer credit policies beforehand and take courses you KNOW will transfer. It was worth losing a few credits to save $40k!! And honestly, she appreciated the dream school even more after a year at a school she wasn't as excited about.

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Yuki Watanabe

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One more important point: If you're going to appeal, do it IMMEDIATELY while requesting an extension on the enrollment deadline. Most schools will grant a short extension when there's a pending financial aid appeal. Be very clear with Bentley that you want to commit but cannot do so until the financial situation is resolved. Also, be prepared with a specific amount you CAN afford. Don't just say "we need more aid" - say something like "We can manage $25,000 per year through a combination of our savings and reasonable loans. Is there any way to bridge the gap between that and the current cost?

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Luca Ricci

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This is great advice - thank you! I just called Bentley and requested the extension while explaining our situation. They've given us until May 15th to make our decision pending the financial aid appeal. I'm gathering all the documentation now to submit tomorrow morning.

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wait what about merit scholarships??? if ur son has 4.0 and AP classes he should qualify for TONS of merit money that has nothing to do with FAFSA! did he apply for those??

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Luca Ricci

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He did receive a $15k merit scholarship from Bentley, but that still leaves a huge gap. We applied for many outside scholarships too but haven't heard back from most of them yet. Do you know of any good scholarships that might still be accepting applications?

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ThunderBolt7

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Check FastWeb and Scholarship.com for late-deadline scholarships. Also, local organizations often have scholarships with later deadlines - check with your local Rotary Club, Kiwanis, religious organizations, and your employer's HR department. Many companies offer scholarships for employees' children that aren't widely advertised.

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