FAFSA results: Got first aid package with only $740 Pell Grant due to high SAI
Just wanted to update everyone on my financial aid journey. After all the FAFSA delays and website issues, we FINALLY received our first College Financing Plan today from New Jersey Institute of Technology. As suspected with our high Student Aid Index (SAI), the only federal aid we qualified for was a partial Pell Grant of $740. Nothing else - no institutional scholarships, no work-study opportunities, nothing! 😫 I guess I should be grateful we got anything at all, but seeing that number was still a gut punch. My daughter was really hoping for NJIT, but now we're facing either massive loans or looking elsewhere. Anyone else starting to get their award letters? Are other schools being similarly stingy or is NJIT particularly tough with their financial aid?
35 comments


Paolo Bianchi
Congrats on at least getting ur package! We're still waiting for ANYTHING from 3 different schools. My son applied back in January and radio silence since then except for a few "application complete" emails. Did NJIT email you when the package was ready or did u just keep checking the portal?
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Keisha Thompson
•They sent an email titled "Your Financial Aid Package is Ready" which directed us to their student portal. I check it almost daily anyway because I'm anxious like that! Hope you hear something soon - the waiting is seriously the worst part.
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Yara Assad
$740 for Pell is actually better than nothing. With the current SAI formula, many middle-class families are getting completely shut out. For reference, what was your SAI if you don't mind sharing? This could help others gauge their expectations.
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Keisha Thompson
•Our SAI came out to around $21,450. We're definitely in that awkward middle zone where we make too much on paper to qualify for substantial aid, but not enough to actually cover these astronomical costs without significant loans.
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Yara Assad
•That explains it. The full Pell Grant ($7,395 for 2025-2026) is only available to students with a SAI of 0. The minimum Pell Grant this cycle is $650, and it phases out completely once your SAI hits around $6,500. So you're actually getting more than I would have expected with an SAI over $20K.
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Olivia Clark
Have you looked into appealing your financial aid package? Sometimes schools have additional institutional funds they can provide, especially if your financial situation has changed since you submitted your FAFSA or if you have competing offers from other colleges. Most schools have a formal appeal process for financial aid reconsideration.
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Keisha Thompson
•I hadn't thought about an appeal since this seems to be purely based on our federal SAI calculation. Do you think it's worth trying anyway? Has anyone successfully appealed an institutional aid decision with NJIT specifically?
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Javier Morales
just wanted to say my daughter got her package from rutgers yesterday and it was pretty similar. only got $840 pell grant and thats it. our SAI was like 19K so I guess thats just how it is nowadys. college is just not for middle class kids anymore unless u want 100K+ in debt
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Natasha Petrov
•It's actually ridiculous how they expect families to contribute so much! My SAI came back at $15,200 and there's literally NO WAY we can afford that amount per year. The whole system is broken. Either be dirt poor or super rich - middle class gets screwed.
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Connor O'Brien
I had a similar experience with my son last year, but what really helped was calling the financial aid office directly. I spent WEEKS trying to reach someone at Federal Student Aid to explain how our circumstances had changed, but kept getting disconnected or waiting for hours. Finally tried this service called Claimyr (claimyr.com) that got me through to an actual human at FSA in about 20 minutes. They have a video demo of how it works: https://youtu.be/TbC8dZQWYNQ After getting clarification from FSA, we were able to provide additional documentation to our school's financial aid office, which resulted in an adjusted package with more institutional aid. Might be worth trying!
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Keisha Thompson
•Thanks for the tip! I've been hesitant to call because I heard the wait times are insane right now. I'll check out that service if I need to get through. Did you find that talking to someone made a significant difference in your son's aid package?
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Connor O'Brien
•Yes, it made about a $4,500 difference in institutional grants! The key was getting specific documentation from FSA about how they calculated our SAI, then using that in our appeal to the school. Worth the effort for sure.
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Amina Diallo
This whole FAFSA system is a complete disaster. The "simplified" FAFSA has been nothing but problems. First the delays, then the calculation errors, and now these pathetic aid packages! My daughter applied to 7 schools and we've only heard back from 2 so far, both with minimal aid. Meanwhile the May 1 decision deadline is approaching fast! How are families supposed to make informed decisions??
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Keisha Thompson
•I know! The May 1 deadline pressure is intense. We've asked NJIT for an extension since we're still waiting on 4 other schools. Have you tried requesting deadline extensions?
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Amina Diallo
•Yes, thankfully most schools seem to be flexible this year because of the FAFSA mess. Two gave us until May 15th, and one until May 10th. But it's still stressful not knowing the full financial picture before making such a huge decision.
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Natasha Petrov
So happy to hear schools are finally releasing packages! We've been in complete limbo. May I ask when you submitted your FAFSA? Trying to figure out if they're processing in any kind of order or if it's just random.
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Keisha Thompson
•We submitted on January 9th, but then had to make corrections twice (once for a birthday typo and once because my spouse's contribution section mysteriously disappeared). Final submission was January 24th. So it's taken about 3 months from final submission to getting our first package.
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Yara Assad
One suggestion for everyone receiving packages now: create a spreadsheet comparing all your offers. Look beyond just the federal aid to understand the total cost of attendance at each school. Some schools with higher sticker prices actually end up being more affordable after institutional scholarships and grants. Also, don't forget to look into outside scholarships. Many local organizations, employers, and national competitions still have application windows open for the 2025-2026 academic year.
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Paolo Bianchi
•do u have recommendations for any good scholarship websites? my son tried applying through some but they all seem like scams that just want ur personal info
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Yara Assad
•I recommend focusing on local scholarships first - check with your employer, community foundation, religious organizations, and local businesses. They typically have smaller applicant pools. For national scholarships, stick to established sites like Fastweb, Scholarships.com, and the College Board's scholarship search. Avoid any site that charges fees or asks for financial information beyond what would be on a basic application.
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Keisha Thompson
UPDATE: Just got an email from Rutgers with their package - slightly better than NJIT! We qualified for their Scarlet Promise Grant of $2,500 on top of the Pell Grant. Still leaves a huge gap, but at least it's something more. Seems like different schools definitely have different approaches to institutional aid even with the same FAFSA information.
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Olivia Clark
•This is great information! It confirms that colleges have significant discretion with their institutional aid, regardless of your federal SAI. I always recommend applying to at least 6-8 schools for this exact reason - the variation in institutional aid can be substantial. Keep us posted as you hear from other schools!
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Javier Morales
•thats good to know! we're still waiting on rutgers for my daughter. maybe her package will be better than what i was expecting. fingers crossed!
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Max Knight
Thanks for sharing your experience! This is really helpful for those of us still waiting. I'm curious - when you got the Rutgers package, did they explain what qualified you for the Scarlet Promise Grant? I'm wondering if there are specific criteria beyond just SAI that they consider, like in-state residency or academic merit. My daughter also applied to Rutgers and we have a similar SAI range, so I'm trying to set realistic expectations for when our package arrives.
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Dylan Hughes
•From what I could find in their financial aid materials, the Scarlet Promise Grant is specifically for New Jersey residents with family incomes under $65,000. Since our SAI was around $21,450, we must have just squeaked under that income threshold. It doesn't seem to be merit-based - more focused on need and residency status. Hope that helps you gauge what to expect! Are you guys NJ residents too?
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Vera Visnjic
This whole situation is so stressful! I'm a parent going through this process for the first time and honestly feeling overwhelmed by all the different aid packages and deadlines. Reading everyone's experiences here really helps me understand what to expect. My daughter's SAI came out to $18,900, so sounds like we'll probably be in a similar boat with minimal federal aid. We're still waiting to hear from 5 schools, but at least now I know to look for those institutional grants that seem to vary so much between colleges. Thanks for being so transparent about your numbers - it's hard to find real examples of what families are actually receiving!
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Omar Hassan
•You're so welcome! I know exactly how overwhelming this feels - I was completely lost when we started this process too. Your SAI is actually slightly lower than ours, so you might qualify for a bit more Pell Grant funding (maybe around $900-1000 instead of our $740). The institutional aid really does seem to be all over the place though, so definitely keep your options open until you hear from all 5 schools. Don't be afraid to call the financial aid offices directly if you have questions about their packages - I've found most of them are pretty helpful, especially given all the FAFSA chaos this year. Hang in there!
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Grant Vikers
As someone new to this community and the FAFSA process, I really appreciate everyone sharing their actual numbers and experiences! My family is just starting to navigate this for my youngest, and seeing real SAI amounts and corresponding aid packages is incredibly helpful. It sounds like the $740 Pell Grant you received aligns with what others are reporting for similar SAI ranges. The difference between NJIT and Rutgers packages really shows how important it is to cast a wide net with applications. Have you considered reaching out to NJIT's financial aid office to see if they have any additional institutional aid programs you might not be aware of? Sometimes schools don't automatically consider students for all available programs. Wishing you and your daughter the best as you wait to hear from the other schools!
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Anastasia Kuznetsov
•Welcome to the community! You're absolutely right about casting a wide net - I wish someone had told me earlier how much institutional aid varies between schools. That's a great suggestion about reaching out to NJIT directly. I was so focused on the federal aid calculations that I didn't even think to ask about other programs they might have. I'll definitely give their financial aid office a call this week to see if there are any merit-based or need-based institutional grants I might have missed. It can't hurt to ask, especially with how competitive things are this year. Thanks for the encouragement - this whole process has been such a learning curve but this community has been a lifesaver for getting real advice from people actually going through it!
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Monique Byrd
Thanks for sharing such detailed information about your packages! As someone who's still waiting to hear from most schools, this gives me a much better sense of what to expect. Our SAI came out to $19,200, so it sounds like we'll probably see similar results. I'm curious - when you called the financial aid offices, did you find certain times of day or days of the week when it was easier to get through? I've been hesitant to call because I keep reading horror stories about 2+ hour wait times, but it sounds like it might be worth the effort, especially for clarifying institutional aid opportunities. Also really appreciate the tip about Rutgers having different institutional aid - we applied there too and I was assuming all NJ state schools would have similar policies. Fingers crossed we hear something soon!
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Ethan Brown
•Great question about timing for calls! I've found that calling right when offices open (usually 8 or 9 AM) tends to have shorter wait times. Mid-week (Tuesday-Thursday) seems better than Mondays or Fridays too. With your SAI of $19,200, you'll probably get a slightly higher Pell Grant than what I received - maybe around $850-900. And yes, definitely don't assume all state schools have the same policies! Even within the same state system, individual campuses can have very different institutional aid programs. Rutgers surprised me with their Scarlet Promise Grant, while NJIT had basically nothing beyond federal aid. Keep us posted when you start hearing back - it's helpful for everyone to see the range of what different schools are offering this year!
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Aisha Hussain
Just wanted to jump in as someone new to this whole process! My daughter is a junior so we're still a year away from submitting FAFSA, but reading through everyone's experiences is both helpful and honestly pretty scary. The fact that your SAI of $21,450 only resulted in $740 Pell Grant really puts things in perspective for what we might be facing. Our family income is probably going to put us in a similar range. I'm definitely taking notes on applying to multiple schools since it sounds like institutional aid varies so much - the difference between your NJIT and Rutgers packages is eye-opening! Also bookmarking that Claimyr service someone mentioned in case we need help getting through to FSA next year. Thanks for being so transparent about the actual numbers - it's hard to find real examples like this anywhere else!
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CosmicCadet
•You're being so smart to start researching this early! I wish I had done more preparation when my daughter was a junior. One thing I'd definitely recommend is starting to look at schools' net price calculators on their websites now - they can give you rough estimates of what you might expect to pay at different institutions based on your family's financial situation. Also, encourage your daughter to keep her grades up because merit aid can sometimes help bridge the gap when need-based aid falls short. The institutional aid differences really are shocking - I never expected such variation between schools with the same FAFSA data. Good luck with the process next year, and don't hesitate to come back here with questions!
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Ava Kim
As someone completely new to the FAFSA process, this thread has been incredibly eye-opening! I'm helping my nephew navigate this for the first time and honestly had no idea how much the SAI calculation would impact aid eligibility. Your experience with the $740 Pell Grant at that SAI level really helps set realistic expectations. The variation between NJIT and Rutgers packages is fascinating too - it's clear that applying to multiple schools isn't just about academic fit but also about maximizing potential aid opportunities. I'm curious, when you submitted your FAFSA back in January, did you have any sense of what your SAI would be or did that number come as a surprise? Also, have you found any good resources for understanding how schools calculate their institutional aid beyond just the federal formulas? Thanks for sharing such detailed information - it's incredibly valuable for families just starting this journey!
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Amara Okafor
•Welcome to the community! I'm glad this thread has been helpful for you and your nephew. To answer your question about the SAI - we actually had a rough idea it would be high because there are some online SAI calculators you can use before submitting your FAFSA. Federal Student Aid has one on their website that's pretty accurate. I think ours estimated around $20K, so $21,450 wasn't a huge shock, but it was still disappointing to see it confirmed! As for institutional aid resources, I've found that each school's financial aid webpage usually has their specific criteria, but honestly the best information comes from calling their offices directly. Some schools are much more transparent about their formulas than others. Your nephew is lucky to have you helping with research - this process is definitely overwhelming to navigate alone!
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