FAFSA not enough for SUNY - need scholarship help for student with disabled siblings
My daughter is planning to attend a SUNY school this fall and I'm shocked at how little financial aid she's being offered despite our family situation. She has two younger sisters with disabilities that require constant care and expensive medical treatments. Our EFC on the FAFSA seems ridiculously high considering our actual available income after medical expenses. The financial aid package only includes $4,500 in federal loans and a pathetic $1,200 Pell Grant. No institutional scholarships at all! I thought having siblings with disabilities would be considered in her aid package? We're looking at almost $19,000 out of pocket for the first year alone, and there's just no way we can manage that. Are there specific scholarships for students who have siblings with disabilities? Or scholarships specifically for SUNY students that we might not know about? Any resources or advice would be really appreciated.
23 comments


Saanvi Krishnaswami
There are definitely scholarships that consider family circumstances like yours. Here are some places your daughter should check: 1. The SUNY school's financial aid office - sometimes they have specialty scholarships not automatically awarded that you need to specifically apply for. 2. Your state's vocational rehabilitation services might have programs for siblings of people with disabilities. 3. National organizations focused on the specific disabilities your other daughters have often offer sibling scholarships. 4. Check Fastweb.com and Scholarships.com and use filters for "siblings with disabilities" or the specific conditions your other daughters have. 5. Local community foundations and organizations like Kiwanis or Rotary Club sometimes have special situation scholarships. Also, did you submit a Special Circumstances form to the financial aid office? The FAFSA doesn't have a way to report ongoing medical expenses, but the financial aid office can adjust your EFC if you document those costs.
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Reina Salazar
•Thank you so much for these suggestions! I had no idea vocational rehab services might have programs for siblings. I'll definitely look into that. We haven't submitted a Special Circumstances form yet. I didn't even know that was an option! Do you know what kind of documentation we would need? We have so many medical bills, therapies, and special equipment costs that aren't covered by insurance.
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Demi Lagos
•I work in financial aid at a different college, and I can tell you that submitting a Special Circumstances form is DEFINITELY worth doing in your situation. The FAFSA's formula doesn't account for ongoing medical expenses well at all. For documentation, you'll need: - Copies of major medical bills from the past 12 months - Receipts for medical equipment, therapies, etc. - A summary sheet totaling all these expenses - A detailed letter explaining your family situation Each SUNY school has their own form, so contact your daughter's specific financial aid office. This could potentially increase her aid package significantly, especially her Pell Grant eligibility.
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Mason Lopez
•my brother has a disbility and i got a scholarship from the Notational diabilities institute or something like that. it was $2000 per semester. you should google it
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Reina Salazar
•@profile1 - Thank you for the specific documentation advice. I'll start gathering everything right away. I really hope this helps increase her Pell Grant! @profile7 - Was it the National Disabilities Institute maybe? I'll definitely look that up - $2000 per semester would make a huge difference for us.
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Vera Visnjic
Try calling the financial aid office directly too. My cousin was in a similar situation (brother with severe autism) and when she finally got through to someone who actually understood their situation, they directed her to 3 special scholarships she qualified for that weren't advertised on the main scholarship page. You have to be super persistent though, the phones are always busy.
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Jake Sinclair
•Calling financial aid offices is SUCH a nightmare these days. When I was trying to sort out my son's verification issues, I couldn't get through for 3 weeks. Then I found this service called Claimyr (claimyr.com) that holds your place in line and calls you when a real person answers. Saved me hours of waiting on hold. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ Definitely worth it for important financial aid calls where you need to explain complex situations that don't fit neatly into FAFSA categories.
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Reina Salazar
•Thank you both! I've tried calling a few times but gave up after being on hold for 45+ minutes. I'll check out that service - anything to avoid more hours on hold! And it's encouraging to hear your cousin found some hidden scholarships. I'm beginning to think persistence is half the battle.
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Brielle Johnson
DONT GIVE UP!! The SUNY system is TERRIBLE about telling students about all the available aid. My daughter got almost nothing initially and we were ready to give up, but then we found out about the Educational Opportunity Program (EOP). It's specifically for students with economic disadvantages which can include having family members with disabilities that cause financial strain. Also look into these: - SUNY tuition assistance program (TAP) - Excelsior Scholarship if your income qualifies - The SUNY PRODiG scholarship A lot of these have separate applications from FAFSA and the SUNY schools do a HORRIBLE job explaining this!!!
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Reina Salazar
•Thank you for this! I've heard of TAP and Excelsior but not EOP or PRODiG. I'll look into both of those right away. You're right that these programs aren't well explained - I feel like we're having to piece together information from so many different sources.
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Honorah King
•The EOP is great but there's actually income limits for it. I think it's around $48,000 for a family of 5? But it depends on the specific SUNY school too. Some have higher limits than others. Definitely worth checking though!
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Mason Lopez
i would also look at organizations for the specific disabilities your other daughters have. my friend got a scholarship from the autism society for siblings of autistic kids. there's lots of other ones too like that
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Reina Salazar
•That's a great idea! Both my younger daughters have rare genetic disorders, so I should reach out to those specific organizations. I never thought they might have sibling scholarships too.
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Saanvi Krishnaswami
One more thing to consider - if your daughter hasn't already selected which SUNY campus, their financial aid packages can vary quite a bit. Some SUNY schools have more institutional aid than others. If you're still in the decision phase, it might be worth applying to multiple SUNY schools and comparing offers.
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Oliver Brown
•This is so true! My daughter got way different packages from different SUNY schools. Oswego gave her like $6k more in grants than Plattsburgh for some reason even though they're both SUNY schools! Makes no sense but worth applying to multiple.
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Demi Lagos
Also, don't forget to appeal the financial aid award. This is different from the Special Circumstances form. Once you receive the official aid package, you can submit an appeal letter explaining why the award is insufficient based on your family circumstances and request additional institutional grants or scholarships. Appeals are most successful when: 1. You can document significant costs not captured by FAFSA 2. You have competing offers from other colleges 3. Your family situation is unusual (like having multiple children with disabilities) The SUNY financial aid offices have flexibility with institutional funds that they don't advertise. A well-crafted appeal can sometimes increase aid significantly.
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Reina Salazar
•Thank you for explaining the difference between Special Circumstances and appeals! I'll definitely do both. We don't have competing offers from other colleges yet, but I think the documentation of our unusual family situation will be compelling enough.
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Honorah King
Look at local scholarships too!!! Everyone applies for the big national ones but local scholarships often have way less competition. Check with: - Your employer (many have scholarships for employees' kids) - Local credit unions - Community foundations - Civic groups (Rotary, Lions Club, etc) - Religious organizations if applicable My son pieced together almost $5k from small local scholarships that only required simple applications. Some were only $500-1000 but they add up!
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Mason Lopez
•yeah my friend got a $2500 scholarship from the local power company lol. noone even knew about it and he was like the only one who applied
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Reina Salazar
Thank you all for your amazing suggestions! I feel like we have a real plan now. I'm going to: 1. Submit a Special Circumstances form with all our medical expense documentation 2. Research scholarships for siblings of people with disabilities 3. Look into the EOP and PRODiG programs 4. Contact organizations specific to my younger daughters' conditions 5. Check local scholarship opportunities 6. Use Claimyr to actually get through to a financial aid advisor 7. File an appeal after doing all of the above I'll update this thread if we have any success. Really appreciate all of your help!
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Saanvi Krishnaswami
•That sounds like an excellent plan! One final tip: keep a spreadsheet tracking all scholarships she applies for, their deadlines, requirements, and status. It gets overwhelming fast, so staying organized is key. Wishing your daughter the best with her education!
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Isla Fischer
Great comprehensive plan! One additional resource to consider is your state's Commission for the Blind and Visually Impaired or similar disability services agencies - many have scholarship programs for siblings of people with disabilities that aren't widely publicized. Also, if your daughters receive SSI or other disability benefits, document how those payments are used for medical expenses and care - this can strengthen your Special Circumstances case since it shows the true financial burden on your family. One more thing - when you do get through to financial aid, ask specifically about work-study opportunities. Even if they can't increase grant money immediately, getting your daughter campus employment can help bridge the gap while you work on other funding sources. Keep us posted on how it goes! Stories like yours help other families navigate this confusing process.
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LongPeri
•This is such valuable additional advice! I never thought about the state Commission for the Blind - one of my daughters does have visual impairments along with her other conditions. And you're absolutely right about documenting how the SSI payments are actually used. Most of it goes directly to therapies and medical equipment that insurance won't cover. The work-study suggestion is really smart too. Even if it's just a few thousand dollars, every bit helps when you're looking at such a big gap. Thank you for taking the time to share these specific resources!
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