FAFSA no longer shows graduate loan eligibility amount - just says 'not eligible for Pell'
I just completed my 2025-2026 FAFSA and noticed something weird compared to previous years. Before, when I'd finish my application, there was always a message saying something like "you appear to be eligible for the maximum graduate loan of $28,500" (I'm in a doctoral program). But this time, the completion screen only mentioned I'm not eligible for Pell Grants (duh, I'm a grad student) and gave a vague statement about possibly qualifying for grants or scholarships. Does anyone know if they changed the FAFSA completion summary screen this year? It's making me anxious not seeing that loan eligibility confirmation like I always did before. Did something change with the FAFSA simplification? I'm worried my school won't offer me the full loan amount now without that specific eligibility statement.
17 comments


Giovanni Martello
yep same thing happened to me last week!! I definitely remember seeing my loan eligibility amount the last 3 years and now its just gone. Freaked me out too
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Grant Vikers
•Did you call and ask about it? I'm wondering if it's something in the FAFSA redesign or if it means something's wrong with our applications.
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Savannah Weiner
I think they just moved where that info appears. Check your SAI score email when it comes or log back in after processing. They split up the info more with the new system.
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Grant Vikers
•Thanks, that's reassuring! About how long did it take for your SAI to come through? I'm getting anxious waiting.
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Savannah Weiner
•4 days for mine to process last month. Btw the grad loan max is now $29,500 not $28,500.
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Levi Parker
Financial aid counselor here - this is actually part of the FAFSA Simplification Act changes. The completion screens no longer display specific loan eligibility estimates at the end of the application. This doesn't mean your eligibility has changed. As a graduate student, you're still eligible for up to $29,500 in Direct Unsubsidized loans (depending on your program's cost of attendance and any other aid). The new FAFSA just doesn't explicitly tell you this during the completion process anymore. Your school will still process your eligibility based on your SAI (Student Aid Index, formerly EFC) and award you the appropriate loan amount. You'll see the full details when you receive your aid package from your school. The FAFSA completion page now focuses primarily on grant eligibility since that was a key area of confusion in the past.
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Grant Vikers
•Thank you so much for explaining! That makes perfect sense but was really confusing since I'd gotten used to seeing that loan amount confirmation. Is there any way to see my potential loan amount before my school processes everything? The waiting is stressful.
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Libby Hassan
This happened to me too! I was panicking because I NEED my full loan amount to cover tuition this semester. I ended up calling FSA directly after trying for like 4 days (constant busy signals). Finally got through using Claimyr.com - saved me hours of redial hell. The agent confirmed what others here are saying - it's just a display change, not an eligibility change. She actually pulled up my file and confirmed I was still eligible for the full grad loan amount. You can see their video demo here if you want to try calling: https://youtu.be/TbC8dZQWYNQ Relief! I hate how they make these UI changes without explaining them clearly.
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Grant Vikers
•Oh that's really good to know! I might try that service because I've been trying to call about other questions too and can't get through. Did they give you an estimate of when your school would receive your FAFSA data?
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Libby Hassan
•They said schools are getting the data within 5-7 days of SAI calculation now (way faster than last year's disaster). My school actually had my info 6 days after I submitted.
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Hunter Hampton
The whole FAFSA system is just BROKEN. First they delay it by months, then they change the display without telling anyone, then they expect us all to just figure it out while we're trying to budget for SURVIVAL. I've been in grad school for 4 years and every single year they make it harder. This isn't just a "display change" - it's another way they're making it harder for students to understand their aid. INTENTIONALLY CONFUSING us. Last year I had to submit my application THREE TIMES because of "processing errors" that weren't my fault. Now they're hiding the loan amounts so we can't even plan our finances until schools process everything which could take MONTHS!!!!
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Levi Parker
•I understand your frustration, but this particular change is actually part of an effort to make the system clearer in the long run. The issue was that many undergraduate students were seeing the maximum loan amounts and assuming they should take that full amount, leading to over-borrowing. They're now focusing the completion screen on grants first, with full loan details coming in the aid package. Schools are actually receiving FAFSA data much faster this year - typically within a week of submission - which is a significant improvement over last year's delays.
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Sofia Peña
my cousin works in financial aid at state university and she said they changed it bc too many ppl were taking max loans even when they didnt need that much money. something about trying to reduce over borrowing by not showing the max amount right away. still eligible for same amount tho
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Aaron Boston
I'm having a similar issue but with Parent PLUS loans. My parents applied for me (I'm an undergrad) and the old FAFSA used to show how much they could borrow through Parent PLUS. Now there's nothing until the school processes everything. Does anyone know if there's a way to estimate what they'll be approved for? My parents need to know for budgeting since they're helping with my college costs.
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Levi Parker
•Parent PLUS loans are technically available up to the cost of attendance minus any other aid received. However, PLUS loans do require a credit check, so approval isn't guaranteed. Your school's financial aid office can provide an estimate of your cost of attendance, and you can subtract any grants/scholarships and Direct loans you expect to receive to estimate the maximum PLUS eligibility. But final amounts will come from your school once they process your FAFSA.
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Grant Vikers
UPDATE: I got my SAI score email today (took 5 days) and logged back into studentaid.gov. Still no specific loan amount mentioned, but I called my graduate financial aid office and they confirmed I'm still eligible for the full $29,500. They said the FAFSA change was intentional to emphasize grants over loans, but eligibility calculations haven't changed. So for anyone else confused by this - don't panic! Your loan eligibility is still there, they just don't show it prominently anymore. Thanks everyone for the help!
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Giovanni Martello
•thanks for updating us! i was still worried lol
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