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Emma Thompson

FAFSA helpline constantly busy - seeking parent advocate for appeal guidance

I'm totally at my wit's end trying to get help with my daughter's FAFSA results. Her SAI calculation seems WAY off based on our actual financial situation (we had some medical expenses last year that aren't reflected). I've been calling the Federal Student Aid number for THREE DAYS STRAIGHT and it's either busy or I get disconnected after waiting 45+ minutes. Our financial aid office just keeps saying "we can only work with what FAFSA gives us" and won't help with the appeal process at all! Does anyone know of a parent advocate or someone knowledgeable about FAFSA appeals who could help us navigate this mess? We're about to lose $8,500 in grant money because of this calculation error and I'm desperate for guidance before the May 1st deadline hits.

Malik Jackson

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Same boat here. Been trying to call about my sons verification issues for a week. The schools financial aid office is useless, they just keep saying to check the portal which shows nothing helpful. Following to see if anyone has solutions

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Emma Thompson

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It's so frustrating! Have you tried emailing them? I sent 2 emails and haven't gotten any response after a week...

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You need to file what's called a "Professional Judgment" request with your specific school's financial aid office. Despite what they told you, they actually DO have the authority to adjust the SAI based on unusual circumstances like medical expenses. The catch is that each school has their own forms and documentation requirements for these requests. Look on your college's financial aid website for "professional judgment," "special circumstances review," or "financial aid appeal" forms. You'll need to document those medical expenses thoroughly - EOBs, bills, proof of payment, etc.

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Emma Thompson

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Thank you so much for this info! I looked again on the school's website and found the "special circumstances" form buried deep in a sub-menu. Looks like I need to get documentation from our insurance showing all our out-of-pocket costs. Do you know if there's a specific threshold for medical expenses before they'll consider an adjustment?

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Great that you found it! Most schools look for medical expenses exceeding 11% of your Adjusted Gross Income before they'll consider adjustments. Make sure you're only counting expenses from the tax year on your FAFSA, not current year expenses. Also important - submit everything together in one package with a clear cover letter explaining how these expenses impacted your ability to contribute to education costs. Good luck!

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StarSurfer

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i used to work financial aid office (3yrs). they totally CAN help with appeals!! they are just being lazy tbh. ask specifically for a "professional judgment review" and request to speak to a senior financial aid officer not just the front desk person. be polite but firm about needing this reviewed. if they refuse, go up the chain to dean of enrollment.

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Ravi Malhotra

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THIS!! I work at a university (not in financial aid) but know that frontline staff often don't know the exceptions. Always ask for a supervisor or director level person when dealing with financial aid issues.

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When I had a similar issue last year with my FAFSA (job loss not medical expenses), I used Claimyr to actually get through to a human at Federal Student Aid after trying for weeks. It's a service that basically holds your place in line and calls you when an agent is available. Their website is claimyr.com and they have a video demo you can check out here: https://youtu.be/TbC8dZQWYNQ I was skeptical at first but it actually worked and saved me hours of frustration. The agent I spoke with walked me through exactly what documentation I needed for the special circumstances review at my daughter's school. Worth it when thousands in aid are on the line.

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Emma Thompson

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Oh wow, I've never heard of this service. That would be so much better than constantly redialing. I'll check out that video. Did the FSA agent actually help solve your problem or just direct you back to the school?

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The FSA agent couldn't change my SAI directly, but she explained exactly which forms to request from the school, what supporting documents would strengthen my case, and even advised me on the specific wording to use in my appeal letter. She also documented our call in my file so when the school contacted FSA to verify my situation, there was already a note about it. Definitely worth the call!

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Omar Hassan

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FAFSA IS THE WORST!!!! Been dealing with them for 3 kids now and every single year there's some new problem. Last year they LOST my oldest son's verification documents TWICE and we almost missed the deadline for his housing contract because of it. This year they randomly selected my daughter for verification even though we used the IRS data retrieval tool!!! The whole system is designed to make it as difficult as possible to get aid. My blood pressure literally goes up every time I see an email from studentaid.gov in my inbox.

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OMG I thought it was just me!!!! Every. Single. Year. Some new problem. Last year they said my son wasn't a citizen even though he was born here and we submitted his passport FOUR TIMES! The system is definitely designed to discourage people from getting the aid they deserve.

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Malik Jackson

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has anyone had luck with hiring a financial aid consultant? i saw some advertised online but they're expensive and idk if they're worth it

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Ravi Malhotra

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I'd be careful with those consultants. Many charge hundreds of dollars for information you can get for free. The Federal Student Aid website and your school's financial aid office should provide everything you need without the cost. Save your money!

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UPDATE ON MEDICAL EXPENSE APPEALS: For the 2025-2026 FAFSA, the Department of Education recently updated their guidance to financial aid administrators about medical expense considerations. They're now recommending schools consider medical expenses exceeding 7.5% of AGI (down from 11% previously) when making professional judgment adjustments. So your chances of a successful appeal may actually be better now! Make sure to specifically reference this updated guidance when you submit your appeal.

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Emma Thompson

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This is amazing news! Our expenses were well over that threshold. Thank you so much for sharing this update - I would have never known about this change. I'll definitely mention it in my appeal letter!

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StarSurfer

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one more thing - when u submit ur appeal make copeis of EVERYTHING and send by certified mail or delivry confirmation if not submitting online. cant tell u how many times schools "lost" paperwork conveniently close to deadlines.

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Emma Thompson

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Great point - I'll definitely keep copies and get delivery confirmation. Would you recommend submitting both ways (online and paper) if they give both options? Or is that overkill?

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Emma Thompson

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Thank you all SO MUCH for the helpful advice! I just wanted to update that I was able to get through to FSA using that Claimyr service (which worked exactly as described), and they confirmed I can submit a Professional Judgment request. I've already downloaded the special circumstances form from our school's website and am gathering all our medical documentation. The agent even put notes in our file about our conversation! I'm also going to request a meeting with the senior financial aid officer tomorrow as suggested. Feeling much more hopeful now that we can get this resolved before the deadline. Will update when I hear back about the appeal!

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Omar Hassan

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So glad you're making progress! Keep fighting for what your kid deserves!

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