Maximum FAFSA Pell Grant amounts for 2025-2026 - will it cover full tuition?
I just got my SAI score from FAFSA yesterday and I'm trying to figure out how much grant money I might get. Does anyone know what the maximum Pell Grant amount is for the 2025-2026 year? My SAI came back at 3,400 which I think is pretty good? I'm going to a state university where tuition is about $12,500 per year and I'm wondering if I can actually get enough grant money to cover most of it. I don't want to take out a bunch of loans if I don't have to. My parents can help some but not with the whole thing. Thanks for any info!
28 comments


Keisha Williams
pell grants are like $7,300 max and thats only if your SAI is 0. with 3400 youll prob get less but still decent. wont cover full tuition tho, no way
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Yara Nassar
•Oh really? That's still better than nothing I guess. Do you know if there are other grants I can apply for to cover the rest?
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Paolo Ricci
For the 2025-2026 year, the maximum Pell Grant amount is projected to be about $7,395. However, with your SAI of 3,400, you'll likely qualify for a partial Pell Grant - probably around $4,000-$5,000 depending on your enrollment status (full-time vs part-time). You should also look into: 1. State grants (many states have need-based grants) 2. Institutional grants from your university 3. Work-study opportunities Once your financial aid package comes through, you'll see the full breakdown of what you're eligible for. The Pell Grant is just one component of your potential aid.
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Yara Nassar
•Thank you so much! This is super helpful. I'll definitely look into those state grants too. I didn't even think about work-study!
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Amina Toure
My daughter got the full Pell Grant last year and it didn't even come CLOSE to covering her tuition at State University!!! The whole system is rigged against middle class families... we make "too much" for maximum aid but not enough to actually pay these outrageous prices. She had to take out $22,000 in loans AFTER the grant money!!!
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Oliver Zimmermann
•While it's true Pell Grants don't cover full tuition at most schools, the $22,000 in loans sounds unusually high for a single year. The federal loan limit for first-year dependent undergrads is $5,500. If she took out $22,000, some of those must be Parent PLUS loans or private loans, which have much higher interest rates. I'd recommend checking if there were other aid options she missed.
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CosmicCommander
my SAI was 1200 and i got like $6100 in pell. also got state grant for $2500 and my school gave me a need-based scholarship for $3000. still had to take loans but way less than i thought. check with ur state and school financial aid office too
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Yara Nassar
•That's awesome you got so much help! What state are you in if you don't mind me asking? I'm in Michigan and hoping they have some good state grants.
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Natasha Volkova
Has anyone actually been able to get through to someone at Federal Student Aid to ask these questions? I've been calling for TWO WEEKS trying to understand my grant eligibility and keep getting disconnected or waiting for hours!!! Their website is completely unhelpful and just gives generic information.
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Javier Torres
•I had the same problem last month but then I found this service called Claimyr that got me through to a FAFSA agent in about 20 minutes instead of waiting for hours. It basically holds your place in line and calls you when an agent is available. Worked really well for getting my SAI calculation explained. They have a video showing how it works at https://youtu.be/TbC8dZQWYNQ. The website is claimyr.com if you want to check it out.
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Emma Davis
With an SAI of 3400, you'll likely qualify for around $4500-5000 in Pell Grants based on the current aid charts. Remember though, your actual financial aid package will include multiple components: • Pell Grants (federal, don't need to be repaid) • State grants (vary widely by state) • Institutional grants/scholarships from your school • Federal subsidized/unsubsidized loans • Work-study opportunities Grants alone rarely cover full tuition unless you're attending a very affordable community college or have an exceptional financial situation. Your financial aid award letter should break down exactly what you qualify for, but expect to cover some costs through loans or working part-time. Be sure to apply for as many private scholarships as possible too - even small ones add up!
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Yara Nassar
•This breakdown is super helpful. I'm trying to be realistic but also explore every possible avenue for funding. My parents can contribute about $4,000 per year, so hopefully between that, grants, and maybe a campus job I can minimize loans.
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Malik Johnson
i got a weird situation last year, my SAI was like 5000 but my college gave me a "tuition discount" that wasn't even on my FAFSA? it was like an extra $4,500 that showed up on my award letter. guess what im saying is the school might have its own money too so dont just look at FAFSA stuff
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Emma Davis
•This is excellent advice. Many institutions have their own need-based institutional grants that don't appear on your FAFSA but show up in your final aid package. Some schools even have special scholarships for specific majors or students from certain regions. Always schedule a meeting with your school's financial aid office to explore all options.
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Oliver Zimmermann
One thing to keep in mind: your SAI of 3,400 is quite good, but Pell Grant eligibility also depends on your cost of attendance and enrollment status. At $12,500 tuition, you'll likely qualify for a substantial portion of the maximum Pell Grant, perhaps around $5,000-$5,500 if you're full-time. However, don't forget that your total cost of attendance includes more than just tuition - there's books, supplies, housing, food, transportation, etc. Your financial aid package will be calculated based on the total COA, not just tuition. Also, be aware that your state likely has a grant program based on FAFSA info. For example, in Michigan there's the Michigan Tuition Grant and Michigan Competitive Scholarship that could provide additional aid.
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Keisha Williams
•books are crazy expensive too!! i spent like $800 last semester alone on required textbooks 😭
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Yara Nassar
Thank you everyone for all the helpful responses! I'm feeling a bit better about things now, even though it sounds like I'll still need some loans. I've got these next steps: 1. Wait for my official aid package to see the exact Pell Grant amount 2. Follow through with my financial aid office appointment next week 3. Look into Michigan-specific grants 4. Apply for work-study and campus jobs 5. Search for private scholarships I definitely have more research to do but this gives me a starting point. I appreciate all the advice!
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Paolo Ricci
•This is a great plan! One other suggestion: if your financial circumstances have changed significantly since filing your FAFSA (job loss, medical expenses, etc.), you can request a professional judgment review from your financial aid office. They have the authority to adjust your aid based on special circumstances that weren't captured in your FAFSA.
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AstroAlpha
Good luck with your financial aid journey! Just wanted to add that you might also want to check if your state university has any merit-based scholarships you could still apply for, even with the semester already started. Some schools have rolling scholarship applications throughout the year. Also, if you're planning to work while in school, many on-campus jobs are really flexible with student schedules and some even let you study during downtime. The combination of everything you listed should definitely help reduce your loan burden significantly!
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Giovanni Greco
•That's really good advice about the rolling scholarships! I didn't know some schools do that throughout the year. I'm definitely going to ask about that when I meet with financial aid next week. The on-campus job thing sounds perfect too since I was worried about balancing work and studies. Thanks for the encouragement - it's nice to hear from someone who sounds like they've been through this process!
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Connor Murphy
Just wanted to chime in as someone who went through this exact situation a few years ago! With your SAI of 3,400, you're in a pretty good position for aid. I had a similar SAI and ended up getting around $4,800 in Pell Grant money. One thing I wish I had known earlier - definitely fill out your state's financial aid application too if Michigan has one (most states do). I missed out on like $1,500 in state grant money my first year just because I didn't know it existed! Also, don't sleep on those smaller departmental scholarships at your school. I got a random $500 scholarship from the biology department just for writing a short essay about why I wanted to study science. Every little bit helps when you're trying to minimize loans! You sound like you have a solid plan. The financial aid office meeting will probably be the most helpful thing - they know about funding sources that aren't widely advertised.
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KingKongZilla
•This is such great advice! I had no idea about departmental scholarships - that's definitely something I'm going to look into. A $500 biology scholarship for just an essay sounds amazing! I'm actually planning to major in engineering so I wonder if they have similar opportunities. And you're absolutely right about the state application - I need to make sure I'm not missing out on any Michigan-specific funding. Thanks for sharing your experience, it's really encouraging to hear from someone who was in a similar situation and made it work!
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Connor O'Reilly
Hey Yara! I'm in a really similar situation - my SAI came back at 2,800 and I'm also looking at a state school with tuition around $11,200. From what I've researched so far, it looks like we should both qualify for a decent chunk of Pell Grant money, probably in the $5,000-$5,500 range based on our SAI scores. One thing I've been doing is creating a spreadsheet to track all the different funding sources I'm applying for - federal grants, state grants, institutional scholarships, private scholarships, etc. It's helping me stay organized and see the bigger picture of how everything might add up. Also, I noticed you mentioned you're in Michigan - definitely look into the Michigan Tuition Grant! I have a friend there who got an extra $2,000 from that program. Good luck with your financial aid office meeting next week!
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Gemma Andrews
•That's so cool that we're in such similar situations! A spreadsheet is a brilliant idea - I'm definitely going to steal that approach to keep track of everything. It would be so helpful to see all the potential funding sources laid out like that. And thanks for the tip about the Michigan Tuition Grant! I'll make sure to ask about that specifically when I meet with financial aid. It sounds like between the Pell Grant, state programs, and hopefully some institutional aid, we might both be able to make this work without taking on too much debt. Keep me posted on how things work out for you!
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Amy Fleming
Just wanted to add something that might help with your planning - make sure to look into whether your state university participates in any tuition assistance programs for in-state students. Some schools have automatic tuition reductions or caps for students with certain SAI ranges that aren't technically "grants" but still reduce your overall costs. Also, if you end up needing to take out some loans, prioritize federal subsidized loans first (if you qualify), then federal unsubsidized, and avoid private loans if at all possible. The federal loans have much better terms and repayment options. With your SAI of 3,400 and the aid you're likely to receive, you should be able to keep your total borrowing pretty reasonable. You've got a solid approach to this whole process!
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KhalilStar
•This is really helpful advice about the loan prioritization! I've been so focused on grants and scholarships that I hadn't really thought much about the different types of loans and which ones are better. The subsidized loans sound like the way to go if I do need to borrow. And that's a great point about tuition assistance programs - I'll definitely ask about any automatic reductions when I meet with the financial aid office. It's reassuring to hear that with my SAI, the borrowing should be manageable. Thanks for breaking down the loan hierarchy - that's exactly the kind of practical info I needed!
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Toot-n-Mighty
Hey! I'm actually a financial aid counselor at a state university and wanted to add a few things that might help. With your SAI of 3,400, you're definitely looking at around $4,500-$5,200 in Pell Grant funding for 2025-26, assuming full-time enrollment. A couple of additional tips: 1. Apply for FAFSA as early as possible each year - some state and institutional funds are awarded on a first-come, first-served basis 2. Consider starting at a community college for gen eds if cost is a major concern - you can often complete 1-2 years much cheaper then transfer 3. Look into emergency grants if you hit financial bumps during the semester - most schools have small emergency funds for students facing unexpected expenses Also, don't forget that work-study earnings don't count against your financial aid eligibility for the following year, unlike regular employment income. So if you qualify for work-study, definitely take advantage of it! You sound like you're taking a really smart, comprehensive approach to this. The fact that you're planning ahead and exploring all options puts you way ahead of many students. Best of luck!
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Chloe Wilson
•Wow, this is incredible advice coming from an actual financial aid counselor! Thank you so much for taking the time to share your expertise. The tip about work-study earnings not counting against future aid eligibility is huge - I had no idea about that! That definitely makes work-study even more appealing than regular part-time work. The community college suggestion is really smart too. I hadn't seriously considered that route, but doing gen eds at a CC for a year or two and then transferring could save thousands. I'll definitely research how well credits transfer to my target university. And I'm so glad to hear that my SAI should put me in that $4,500-$5,200 Pell Grant range - that's actually better than some of the estimates I was seeing earlier in this thread! Combined with hopefully some state aid and institutional grants, plus what my parents can contribute, this is starting to look much more manageable. Thanks again for the professional insight and encouragement. It's really reassuring to hear from someone who works in financial aid that I'm on the right track!
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