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Savannah Weiner

Got SAI of 8273 - still eligible for aid with free lunch status?

Just submitted my FAFSA and got my Student Aid Index (SAI) of 8273. I'm totally confused about what this means for my daughter's financial aid package. The results said she won't be eligible for a Pell Grant but could get other aid plus up to $5,000 in Federal Loans? I'm really scratching my head because we qualify for free lunch at school and receive SNAP benefits, so I thought our income was low enough for more aid. Is this SAI score high or low? And is this the final determination or can it change? Our household income is around $42,000 with 2 kids. Did I mess something up on the application?

ur SAI isnt that low, thats why no pell. but 8273 isnt terrible, my kid had like 15000 and still got decent aid package from state schools. the free lunch thing doesnt 100% translate to fafsa btw

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Thanks for responding. So even with that SAI, she might get some aid? I was really hoping for Pell since we're struggling financially. Does anyone know if I can appeal this somehow?

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The free lunch program and SNAP have different qualifications than FAFSA. It's confusing but they don't directly correlate. My family qualified for reduced lunch but our SAI was around 7500 and we still didn't get Pell Grants either. So frustrating!!

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It IS frustrating! Feels like we're falling through the cracks in every system. Did your kid end up getting any grants at all or just loans?

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Your SAI of 8273 means you're above the Pell Grant threshold (which is currently around 6000), but you're still in a good position for other aid types. This is NOT the final determination of your aid package. The SAI is just one factor schools use to determine your final aid package. Many state grants, institutional scholarships, and work-study opportunities are available to students with your SAI range. For the 2025-2026 academic year, an SAI of 8273 would typically qualify for: 1. Federal Direct Loans (the $5K mentioned) 2. Possible state grants depending on your location 3. Institution-specific aid from individual colleges 4. Work-study opportunities The food assistance programs use different calculation methods than FAFSA, which explains the seeming disconnect. Did you correctly report all household members and their college attendance status? That can significantly impact your SAI calculation.

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Yes, I included both kids, but only my daughter is in college (starting next fall). So what you're saying is that each school might offer different aid packages even with this same SAI number? That gives me some hope.

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Exactly! Each school has their own financial aid budget and priorities. Your SAI is just one input they use. When your daughter receives acceptance letters, each will come with a different financial aid package. Some schools may offer substantial institutional grants to make up for the lack of Pell eligibility. Be sure to complete any supplemental financial aid forms schools might require (like the CSS Profile for private schools). Also, look into specific scholarships at each institution - many have need-based awards that aren't part of the federal system.

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I HATE how the system works!! Our family went through this exact same thing. We qualified for all kinds of assistance programs but then FAFSA said our Expected Family Contribution (now called SAI) was too high for Pell. It's like different government programs can't talk to each other?? MAKES NO SENSE. We eventually had to send an appeal letter to each college with documentation of our SNAP benefits to try to get more aid. Some schools helped, others didn't care at all.

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That's so helpful to know! I didn't realize we could appeal directly to the schools. Did you use any specific format for your appeal letter? I'm willing to try anything at this point.

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Just wrote a straightforward letter explaining our financial hardship and included proof of our benefits. Also included some medical bills we had that weren't factored into FAFSA. Some schools have official appeal forms on their financial aid websites. Start looking at that now, don't wait until the last minute like we did!

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This SAI isn't your final answer on aid. The 8273 number is sent to all schools your daughter listed on her FAFSA. Each school then builds a different financial aid package based on their available funds and policies. Some schools meet 100% of demonstrated need, others only a portion. Here's what you should do next: 1. Wait for aid packages from each school 2. Compare them side by side (some may offer substantial institutional grants) 3. Contact each financial aid office if the packages aren't sufficient 4. Prepare documentation of your special circumstances (SNAP benefits, free lunch qualification) 5. Submit a formal appeal if needed The $5,000 in Federal Direct Loans is standard for first-year undergraduate students. That has nothing to do with your SAI - all dependent first-year students qualify for that amount regardless of financial need.

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this is rly good advice im saving this comment

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When I was trying to reach FSA about a similar situation last year (our SAI didn't match our actual financial situation), I kept getting disconnected or waiting for hours. Finally used Claimyr to get through to a FAFSA agent in like 15 minutes. They explained exactly how the SAI was calculated and what we could do about it. Saved me so much headache! Their website is claimyr.com and they have a video showing how it works: https://youtu.be/TbC8dZQWYNQ

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I've been trying to call them with no luck! Wait times are insane. I'll check this out, thanks for the tip. Did they actually help you get your SAI adjusted?

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They couldn't change the SAI directly, but the agent walked me through the special circumstances appeal process and told me exactly what documentation to submit to my schools. Super helpful to actually talk to a real person who knew the system.

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also check if ur state has their own grants. some states have good aid even if u dont get pell. my kid got like $3500 from our state grant program with an SAI around 9000

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Good point! I'll look into our state grants right away. Every bit helps at this point.

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One more important thing - make sure you're looking at the right aid year. The FAFSA you just completed is for the 2025-2026 academic year. The Pell Grant maximum and eligibility thresholds have been adjusted this year with the new FAFSA simplification, so older information online might not be accurate. An SAI of 8273 means you're above the Pell threshold but still potentially eligible for significant aid at many institutions.

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Yes, I just completed it for my daughter starting college in Fall 2025. This new FAFSA is so confusing compared to when I went to school! Thank you for explaining all this.

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my cousin had almost the same SAI and still got a decent package from her state university!!! don't lose hope!!! some schools have their own grants!!!

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That's encouraging to hear! My daughter was hoping to go to our in-state public university too.

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After you receive your aid packages, if they're still insufficient, you can submit a professional judgment request (sometimes called a special circumstances form) to each school's financial aid office. Document your SNAP benefits and free lunch status as evidence of financial need that may not be fully captured in the FAFSA. Each school handles these differently, but many will make adjustments that could increase your aid package. Start this process early - aid funds are often distributed on a first-come basis.

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Thank you SO much for this detailed advice. I'll definitely pursue this with each school. Is there a specific time frame when we should expect to see the aid packages from schools?

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Most schools send financial aid packages shortly after acceptance letters, typically between January and April for regular decision applicants. Early decision/action applicants might hear sooner. If your daughter has already been accepted to any schools, you can contact their financial aid offices directly to ask when to expect aid packages.

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Don't give up hope! I went through this exact situation with my son two years ago. SAI of 8500, no Pell Grant, but he ended up with a great aid package. Here's what worked for us: 1) Applied to multiple schools (in-state publics were most generous), 2) Immediately contacted financial aid offices after getting packages to explain our SNAP/free lunch situation, 3) Most importantly - filled out every single scholarship application we could find, both through schools and external organizations. My son ended up with enough aid to cover most of his costs. The SAI is just the starting point, not the end of your story!

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This is exactly what I needed to hear! Your success story gives me so much hope. I'm definitely going to have my daughter apply to multiple in-state schools and we'll be aggressive about scholarship applications. Did you find any particular scholarship search websites that were especially helpful? And when you contacted the financial aid offices, did you call or email them?

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