Huge SAI score jump from -1500 to 25,000 with same AGI - FAFSA calculation error?
I'm completely baffled by my Student Aid Index calculation this year. Last year my SAI was -1500, which got me a decent financial aid package. This year, with the EXACT SAME Adjusted Gross Income (no changes in my financial situation whatsoever), my SAI jumped to 25,000! That's a $26,500 difference that will destroy my aid eligibility. Has anyone else experienced a massive SAI increase despite no income changes? Is this a known FAFSA calculation error? Who should I contact to get this fixed? My college financial aid deadline is in 3 weeks and I'm freaking out.
28 comments


Camila Jordan
There are a few possibilities here: 1. The new FAFSA formula for 2024-2025 is completely different from previous years. The SAI replaced the old EFC, and the calculation methodology changed significantly. 2. Check if you accidentally entered something wrong on your application. One misplaced decimal or extra zero can dramatically affect your SAI. 3. Family size changes or changes in the number of college students in your household can impact the SAI calculation too. 4. Did you have any significant changes in assets reported? Even if income stayed the same, different asset reporting could change your SAI.
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Alexis Renard
•Thanks for the response. I triple-checked the application and all the numbers are identical to last year. Family size is the same (just me and my mom), and I'm still the only one in college. No asset changes either - we rent our apartment and have the same checking/savings accounts. Could the formula change really cause a $26,500 increase? That seems extreme!
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Tyler Lefleur
my frend had samething happen lol. turned out she put her dads incom in the wrong spot and it counted twice. might wanan check ur form again
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Alexis Renard
•I only have my mom's income on the form and I've checked it multiple times. The numbers are definitely correct, so it has to be something with their calculation.
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Madeline Blaze
The new FAFSA is a DISASTER this year!!! My daughter's SAI went from 3500 to 19300 with NO CHANGES to our financials either. We're middle class and now she won't qualify for anything. The Department of Education changed the formula to PUNISH families trying to send kids to college!!! 😡😡
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Max Knight
•While the new formula does impact many families differently, it's not designed to punish anyone. The formula changes were intended to make the process simpler and more straightforward. Some families see higher SAIs, others see lower ones. The removal of sibling discounts and changes to asset protection allowances have significantly affected middle-income families.
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Emma Swift
You need to file a correction to your FAFSA. Go to studentaid.gov, log in, and click "Make FAFSA Corrections." If the data is truly identical to last year, there might be a calculation error.
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Alexis Renard
•I already submitted a correction last week when I first noticed the issue, but it came back with the same SAI. That's why I'm starting to think it's a systematic calculation error rather than anything wrong with my entries.
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Isabella Tucker
I work in a financial aid office, and we're seeing many students with significantly different SAIs this year. The formula changes are substantial: 1. The income protection allowance decreased for many family types 2. The asset protection allowance was virtually eliminated 3. Multiple children in college doesn't reduce SAI as much as it used to 4. Some tax-deferred income is now counted differently You should contact your school's financial aid office ASAP to request a professional judgment review. They can adjust your aid package if they determine the formula is creating an undue hardship in your case. Bring documentation showing your financial situation is unchanged.
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Alexis Renard
•Thank you so much for this detailed explanation. I didn't realize the formula changes were that drastic. I'll call my school's financial aid office tomorrow morning. Do you know if they typically require specific documentation for these professional judgment reviews?
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Isabella Tucker
For a professional judgment review, typically bring: 1. Last 2 years of tax returns to show consistency 2. Recent pay stubs showing current income 3. Documentation of any special circumstances 4. A written statement explaining your situation Each school handles these differently, but having this documentation ready will help. Be prepared to explain why your financial need hasn't changed despite the new SAI calculation.
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Alexis Renard
•I appreciate the guidance. I'll gather those documents tonight so I'm prepared when I call tomorrow.
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Jayden Hill
I spent TWO HOURS on hold with Federal Student Aid yesterday trying to get answers about my daughter's weird SAI calculation. Finally gave up after being disconnected. Does anyone know if there's a better way to reach them? The 1-800-4-FED-AID number is completely useless.
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Max Knight
•I had the same issues until I found Claimyr. It's a service that waits on hold with FSA for you, then calls you when an agent is available. Totally worth it for complicated cases like SAI calculation errors. I used it last week and got through in 20 minutes when the regular wait was over 3 hours. Their website is claimyr.com and they have a video showing how it works: https://youtu.be/TbC8dZQWYNQ
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Alexis Renard
Has anyone successfully had their SAI recalculated after finding an actual error in the FAFSA system? I'm still convinced this is more than just formula changes - a $26,500 jump with identical inputs seems like a glitch.
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Madeline Blaze
•My niece got her SAI fixed last month after finding out the system had somehow duplicated her father's income. It took multiple calls and emails, but they eventually recalculated it. Don't give up!
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Camila Jordan
One other thing to check - did you file as a dependent last year and independent this year, or vice versa? That would cause a massive SAI change. Also, if you have any untaxed income that wasn't reported last year but was this year, that could contribute to the difference.
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Alexis Renard
•Nope, filed as dependent both years with my mom as the only parent. And we have no untaxed income - just her regular W-2 job. The more I look into this, the more I think there must be a calculation error. I'll try both my school's financial aid office and the FSA hotline.
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Tyler Lefleur
my brothers sai went up like crazy too and he got way less aid. the new fafsa is totally broken lol
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Emma Swift
•Same thing happened to my daughter. Her merit scholarships stayed the same but all her need-based aid disappeared because of the new calculation. We're appealing to the financial aid office.
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Isabella Tucker
Just to follow up - I've now seen multiple cases at our financial aid office where the 2024-2025 FAFSA calculation is technically correct but results in dramatically different SAIs. The Department of Education has acknowledged these issues but hasn't offered systematic corrections. Your best approach is definitely to work directly with your school's financial aid office through their professional judgment process. They have some discretion to adjust your aid package based on your specific circumstances, even if the FAFSA calculation is technically following the new formula correctly.
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Alexis Renard
•Update: I spoke with my financial aid office this morning. They confirmed what you said - it's the formula changes, not a technical error. They're reviewing my case for a professional judgment adjustment and seemed optimistic they could help. Thanks everyone for your advice! For anyone else experiencing this issue, definitely reach out to your school directly.
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Connor O'Neill
This is such a relief to hear! I'm dealing with a similar situation where my SAI jumped from 2,800 to 18,500 with nearly identical financial information. I was starting to panic thinking I'd made some huge mistake on my FAFSA. Your update gives me hope that the professional judgment process might work. I'm going to contact my school's financial aid office tomorrow. Thanks for sharing your experience - it's really helpful to know others are going through this too and that there might be a solution!
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Charlotte Jones
•I'm so glad this thread helped you too! It's honestly a relief to know we're not alone in this situation. The jump from 2,800 to 18,500 is huge - that's definitely worth fighting for through the professional judgment process. When you call your financial aid office, make sure to emphasize that your family's financial situation hasn't changed at all. From what I've learned here, schools seem to understand that the new formula is causing these dramatic increases for families whose circumstances haven't actually changed. Good luck with your appeal!
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Ava Williams
This whole thread has been incredibly helpful - I'm in almost the exact same boat! My SAI went from -800 last year to 22,000 this year with literally no changes to our family's financial situation. My mom makes the same salary, we have the same modest savings, and I'm still the only kid in college. Reading through everyone's experiences, it sounds like the new FAFSA formula is just brutal for families like ours. I had no idea about the asset protection changes and income protection decreases that Isabella mentioned. That explains so much! I'm definitely going to follow Alexis's lead and contact my school's financial aid office for a professional judgment review. Has anyone had luck with appeals at state schools versus private colleges? I'm wondering if one type is more flexible with these situations. Also, thanks to Max for mentioning Claimyr - I've been dreading calling the FSA hotline but that service sounds like a lifesaver if I need to go that route too.
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Jessica Nguyen
•I'm new here but going through the exact same nightmare! My SAI jumped from around 1,200 to 19,800 and I was completely panicking thinking I'd somehow messed up my FAFSA. Reading through this thread has been such a relief - at least now I know it's the formula changes and not just me being an idiot. From what I'm seeing, it sounds like the professional judgment route is really the way to go. I'm at a state school and planning to call their financial aid office first thing Monday morning. Hopefully they'll be understanding about these formula issues. It's honestly insane that the Department of Education rolled out these changes without better communication about how dramatically they'd impact aid eligibility for so many families. Thanks everyone for sharing your experiences - this community is a lifesaver when you're trying to navigate this mess!
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PrinceJoe
I'm so sorry you're dealing with this stress, especially with your deadline coming up so soon! As someone who went through a similar SAI shock this year, I completely understand the panic. One thing that helped me was creating a simple comparison document showing my previous year's FAFSA data side-by-side with this year's to bring to my financial aid office. It made it really clear that nothing had changed on our end, which seemed to help them understand the situation faster. Also, don't wait until the last minute to reach out - financial aid offices are swamped right now with similar cases, so the earlier you can get in their queue for a professional judgment review, the better. Some schools are even proactively reviewing cases where they see these dramatic SAI increases. Hang in there - from what I'm reading in this thread, schools seem to be understanding about these formula issues and many are willing to work with students. You've got this!
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Brianna Schmidt
•This is such great advice about creating a side-by-side comparison document! I wish I had thought of that when I first contacted my financial aid office. It would have saved so much time explaining the situation. For anyone else reading this who's about to reach out to their school, definitely take this suggestion - having a clear visual showing that literally nothing changed in your financial situation makes it so much easier for them to understand why you're appealing. I ended up having to send multiple emails back and forth explaining the same information that could have been communicated much more clearly with a simple comparison chart. Thanks for sharing this tip!
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