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Ayla Kumar

FAFSA implications when applying to multiple colleges mid-year due to lost scholarship

My son might lose his academic scholarship after this semester - he's struggling with his GPA as a first-year student. We're considering having him apply to other colleges that might be more affordable without the scholarship, but he won't know if he's losing the scholarship until finals are over in 3 weeks. If we submit FAFSA applications to additional schools now as backup options, could this cause problems with his current financial aid? Will his current university see that he's applying elsewhere? And would adding schools now affect his aid package for next semester if he does stay? Just trying to plan ahead without messing anything up. This scholarship covers about 40% of his tuition so losing it would be devastating financially.

You can absolutely add more schools to his FAFSA without any negative consequences! Schools can't see where else he's applied - they only see that he's submitted FAFSA to their institution. Adding schools won't affect his current aid package either. To add schools: log into studentaid.gov, go to the FAFSA application, select "Make FAFSA Corrections," and add the school codes in the School Selection section. You can have up to 10 schools on the FAFSA at once. Just be aware that if your son transfers mid-year, some scholarships and grants might be prorated or not transferable, so it's good to contact the financial aid offices at potential new schools to understand what might be available for mid-year transfers.

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YES BUT make sure you double check with the new schools about their FAFSA priority deadlines!!! Some have early deadlines for best consideration for institutional aid!! My daughter missed out on thousands because we added a school in January and their priority deadline was December 1st. They still gave her federal aid but none of their own grants!!

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Kai Santiago

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adding schools doesn't affect anything but ur son should probably check with his current school about their probation policy. a lot of schools give a semester of academic probation before actually taking away scholarships. has he talked to his academic advisor? they might have options like grade forgiveness or taking an incomplete instead of failing.

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Ayla Kumar

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That's a great point - we actually have a meeting with his advisor on Monday. I didn't realize there might be a probation period rather than immediately losing the scholarship. That gives me a little hope. He's not failing any classes but his GPA might end up around 2.8 and the scholarship requires a 3.0.

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Lim Wong

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I work in financial aid, and I want to clarify a few things: 1. Schools cannot see other schools on your FAFSA list - this is confidential 2. Adding schools won't impact current aid at all 3. However, if your son transfers mid-year, be aware of these potential issues: - Some schools have limited funds for spring transfers - Credits may not all transfer, affecting progress requirements for aid - SAI (Student Aid Index) calculations stay the same, but institutional aid formulas vary by school - Some scholarships require completing a full academic year at the institution I recommend contacting potential new schools specifically about their mid-year transfer financial aid policies. Sometimes they have separate processes or supplemental forms for transfers.

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Dananyl Lear

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This! I transferred mid-year and was shocked that the new school gave me way less institutional aid than fall admits got. They had used up most of their fund on the fall freshmen class. Definitely ask specifically about mid-year transfer aid!

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Has he talked to the professors in the classes where he's struggling? My son was in exactly this spot - about to lose a big scholarship his freshman year. He went to office hours and asked for extra credit opportunities and ended up pulling his GPA up enough to keep the scholarship. Might be worth trying before making transfer plans.

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Ayla Kumar

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He's actually been meeting with a couple professors weekly, but he's really struggling with calculus and organic chemistry in the same semester. I think he just took on too challenging a schedule for first year. If he can keep the scholarship that would be ideal, but we need a backup plan ready.

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Ana Rusula

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I had to call Federal Student Aid when my daughter was in a similar situation last year - we needed to figure out how mid-year transfers would affect her federal loans and grants. It took FOREVER to reach someone! I kept getting disconnected after waiting for 2+ hours. Finally found this service called Claimyr that connected me to an FSA agent in about 20 minutes. They basically wait on hold for you and call when an agent picks up. Totally worth it. Their site is claimyr.com and they have a video showing how it works: https://youtu.be/TbC8dZQWYNQ The FSA agent explained everything about mid-year transfers and how it affects aid limits. Super helpful to get that direct information.

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Ayla Kumar

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Thank you for this! I've been trying to get through to someone at FSA with no luck. I'll check out that service because I have so many specific questions about how transfers might affect his loan eligibility and pell grant.

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Dananyl Lear

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btw make sure your son submits a transcript request to his current school ASAP!! My roommate got totally screwed because she waited until after finals and then the registrar's office was backed up for WEEKS processing transcript requests and she almost lost her spot at her new school because they didn't get her official transcript in time!!!!

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Ayla Kumar

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Oh wow, I hadn't even thought about the transcript timing issue. That's really good advice - I'll make sure he requests them early. Thank you!

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One more thing - check if the new schools will even accept applications this late for spring semester. A lot of schools have already closed their spring transfer application periods. My daughter had to wait until fall because we started looking too late.

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Lim Wong

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This is an excellent point. Many colleges have November 1 or November 15 deadlines for spring transfers. Some have rolling admissions but even those typically have cutoff dates for processing all the necessary documentation. Housing can also be very limited for mid-year transfers at residential colleges.

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THE SYSTEM IS BROKEN!!! My son lost his scholarship under similar circumstances and we couldn't get straight answers from anyone. Each school has different policies, different aid formulas, different transfer credit evaluation processes, EVERYTHING IS DIFFERENT and they make it impossible to compare! And don't get me started on how they expect 18 year olds to maintain perfect GPAs when they're adjusting to living away from home for the first time!!! The entire financial aid system is designed to TRAP families!

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While the system definitely has its challenges, there are usually options available. Many schools have appeal processes for scholarships, especially for first-year students. It's worth asking about a one-semester grace period or probation status before assuming the scholarship is lost permanently.

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Kai Santiago

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something no one mentioned is that sometimes cheaper schools actually end up more expensive? my brother transferred from a private school with a big scholarship to a state school thinking it would be cheaper but he got way less aid at the public school so his out of pocket was higher. make sure u run the actual numbers.

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Ayla Kumar

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That's a really good point. We're looking at a mix of options including a community college for a year to get his GPA up, then transferring back. It's so complicated trying to figure out the real cost after all the different types of aid are applied.

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Luca Marino

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I'm new to this community but going through something similar with my daughter. One thing I learned from our financial aid counselor is to make sure you understand the "Return to Title IV" policy if your son does transfer mid-semester. If he withdraws after completing less than 60% of the semester, he might have to pay back some of the federal aid he's already received. This could create an unexpected financial burden on top of everything else. The school's financial aid office should be able to calculate this for you based on when he would withdraw. Also, some schools have "academic fresh start" programs where students can essentially reset their GPA after a certain period - might be worth asking about if he does transfer to a new school. Wishing you and your son the best during this stressful time!

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