Multiple children in college affects FAFSA aid - Can withdrawing my application help my daughter get more?
So I'm really confused about how FAFSA works with multiple people in the same household attending college. I'm going back to school part-time at age 42 (finally finishing my bachelor's!) and my daughter is starting her freshman year at State University. We both filled out our FAFSA applications, but her financial aid package came back WAY less than we expected - like $5,800 less than what her friend with similar finances got. Someone told me it's because I'm also listed as a student on the FAFSA? Is that true? Would my daughter get more financial aid if I withdraw my FAFSA application completely? I'm only taking 2 classes per semester and could probably pay out of pocket if I had to, but I don't want to if it doesn't actually help her. The whole system is so confusing!
36 comments


Sean Flanagan
This is a really common question! The multiple-in-college multiplier used to significantly increase aid eligibility when more than one family member was in school, but with the FAFSA Simplification Act, this has changed with the 2024-2025 form and beyond. With the new Student Aid Index (SAI) calculation, having multiple students in college doesn't automatically increase your daughter's aid like it used to. Each student is now considered separately, and your enrollment won't necessarily boost her eligibility. So withdrawing your application might not actually help her get more aid. The calculations are more individualized now.
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Anastasia Popova
•Wait really? So going back to school myself doesn't help her at all with the new FAFSA? That's completely different from what my coworker told me happened with her kids a few years ago!
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Zara Shah
THE FAFSA IS A COMPLETE SCAM NOW!!! They promised the "simplified" version would be better but it's WORSE! My three kids are all in college and we get LESS aid than when just one was enrolled in 2022. The new SAI formula is designed to save the government money, not help families. The multiple student benefit is basically GONE.
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NebulaNomad
•omg this is so true... my brother and i both got less this year even tho nothing changed with our parents income. nobody explained this to us. 😡
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Luca Ferrari
Here's what's actually happening with the new FAFSA: 1. The old system (before 2024-2025) divided the Expected Family Contribution by the number of family members in college 2. The new SAI calculation doesn't do this automatic division anymore 3. Each student is evaluated more individually based on their portion of family income Withdrawing your application won't necessarily increase your daughter's aid because the formulas don't work that way anymore. The system now looks at each student's individual situation rather than simply dividing family responsibility. What WILL help is if your daughter appeals her aid package directly with her school's financial aid office. Have her explain any special circumstances and ask for a professional judgment review.
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Anastasia Popova
•Thank you for explaining that so clearly! So there's no benefit to me withdrawing my application? I'll tell my daughter to contact her financial aid office tomorrow and ask about appealing. Do you know what specific documents she should bring with her?
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Nia Wilson
I had same problem with my son last yr. The new FAFSA is total mess. We tried calling FSA for like 3 days straight and kept getting disconnected!! So frustrating trying to get answers about this stuff.
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Mateo Martinez
•I was having the same problem trying to reach someone at Federal Student Aid about my kids' aid packages. After getting disconnected 5 times, I found this service called Claimyr (claimyr.com) that got me through to an actual FSA agent in about 20 minutes instead of waiting for hours. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ The agent confirmed what others are saying here - the multiple student benefit isn't the same with the new formula. But they did explain exactly how my kids' aid was calculated which helped us with the appeal process.
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Aisha Hussain
I was in the exact same boat! My daughter and I were both applying for aid, and her package seemed really low. I was convinced I was hurting her chances, but when I talked to her financial aid counselor, they explained that it was actually other factors affecting her award: 1. The school's own formula for institutional aid (separate from federal aid) 2. The timing of when we submitted (we were late) 3. Some missing documentation they needed for verification So don't automatically assume it's because you're both in school. There could be other issues with her specific application or the school's available funding. Definitely appeal and ask for a detailed breakdown of how her aid was calculated.
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Anastasia Popova
•This is so helpful, thank you! We did submit pretty late (just 2 weeks before her priority deadline) so maybe that affected things too. I'll make sure she asks about all these factors when she appeals.
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NebulaNomad
my mom n me both in school this year and i got way less than last year but my friends who r only students in their family got more?? the system makes no sense FR
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Luca Ferrari
•That's because the FAFSA formula changed dramatically starting with the 2024-2025 application. The old system directly benefited families with multiple students by dividing the family contribution. The new system uses a different approach with the Student Aid Index (SAI) that doesn't provide the same automatic benefit for multiple students. Each school also has their own formula for distributing their institutional aid, which may work differently than federal aid calculations. That's why your situation may be different from your friends'.
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Sean Flanagan
If you do decide to appeal your daughter's financial aid package (which I recommend), here's what she should bring to her financial aid office: 1. Documentation of any changes in family financial circumstances 2. Comparison information about her friend's package (if they're willing to share) 3. A clear, polite letter explaining why she needs additional assistance 4. Proof of any unusual expenses your family has 5. Her Student Aid Index (SAI) number from her FAFSA Be sure to emphasize that you're willing to accept additional loans, not just grants, as this makes it easier for the school to adjust the package. And remember: withdrawing your FAFSA application won't automatically increase her aid under the new system.
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Anastasia Popova
•Thank you so much for this detailed list! I'll help her put together all these documents this weekend. Her SAI is 8426 if that means anything to anyone reading this. Her friend's was actually higher (around 9700) but she somehow got more aid, which is part of what confused us.
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Zara Shah
Just so u know, some colleges still DO consider multiple family members in college when giving out THEIR OWN aid (not federal). So even tho the FAFSA doesnt help anymore with that, the college itself might adjust her institutional scholarships if they know you're also in school. WORTH ASKING SPECIFICALLY about their multiple-in-college policy for SCHOOL FUNDS not just federal!!
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Aisha Hussain
•This is 100% accurate! When my daughter and I were both enrolled, her university gave her an additional $3,500 "Multiple in College Grant" that had nothing to do with her federal aid. It was completely from the university's own funds. Always ask about institution-specific aid!
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Luca Ferrari
After seeing your SAI number (8426), I can tell you that your daughter should definitely appeal. With an SAI that low, she should qualify for significant aid at most schools. The fact that her friend with a higher SAI (9700) got more aid suggests there might be an error or missing information in your daughter's application. One possibility: Did you complete the CSS Profile if her school requires it? Some private colleges require both FAFSA and CSS Profile, and they use the CSS for their institutional aid decisions. If you only did the FAFSA and her friend completed both, that could explain the difference.
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Anastasia Popova
•Oh wow, I didn't even think about the CSS Profile! Her school is private so they probably do require it. We never filled that out because nobody mentioned it. I'm going to check their financial aid website right now. Thank you so much for catching this!
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Nasira Ibanez
This thread has been so helpful! I'm a junior at community college planning to transfer next year, and reading about the new FAFSA changes is honestly terrifying. My mom was thinking about going back to school too, but now I'm wondering if there's any point since it won't help my aid anymore. @Anastasia Popova - definitely check if your daughter's school requires the CSS Profile! That could be the missing piece. Also, when she appeals, make sure she mentions that you're both students - even if it doesn't help with federal aid, the school might have their own policies for families with multiple students like others mentioned. Has anyone dealt with transferring between schools after these FAFSA changes? I'm worried my aid package might be completely different at a 4-year university compared to what I'm getting at community college now.
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Drake
•@Nasira Ibanez - Your concerns about transferring are totally valid! I transferred from community college to a 4-year school right when these new FAFSA changes were happening, and you re'right that the aid packages can be dramatically different. Community colleges are usually much cheaper so even with less aid, it might still be more affordable than what you ll'see at a 4-year school with better "aid." My advice: apply to several transfer schools and compare their aid packages before deciding. Some schools are more generous with transfer students than others. Also, don t'let the FAFSA changes discourage your mom from going back to school if that s'what she wants to do! Even if it doesn t'boost your aid anymore, education is still valuable for its own sake. @Anastasia Popova - definitely look into that CSS Profile ASAP! That could be exactly why there s such'a difference between your daughter s aid'and her friend s. '
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AstroAdventurer
Reading through all these responses, I wanted to add something that might help clarify the situation. I work as a financial aid counselor at a state university, and I see families struggling with these exact questions every day since the FAFSA changes. The key thing to understand is that withdrawing your FAFSA application won't help your daughter under the new system - but there are still several strategies worth pursuing: 1. **Appeal with documentation** - With an SAI of 8426, your daughter should be getting substantial aid. Bring proof of your enrollment status when she appeals, as some schools do still consider this for institutional funds. 2. **CSS Profile check** - This could be the smoking gun! Many private schools use CSS Profile data differently than FAFSA data for their own grant money. 3. **Timing matters** - Late applications often get less aid simply because funds are depleted, not because of eligibility issues. 4. **State aid programs** - Don't forget to check if your state has programs that still consider multiple family members in college. The bottom line: keep your FAFSA application active. It won't hurt your daughter's chances, and you deserve access to aid for your own education too. Focus the energy on appealing her package instead!
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Dmitry Ivanov
•Thank you so much for this comprehensive breakdown! As someone new to navigating financial aid, this is exactly the kind of expert insight I was hoping to find. I had no idea that state aid programs might still consider multiple students - that's definitely something we'll look into for our state. Your point about keeping my FAFSA application active really puts things in perspective. I was so focused on whether I was hurting my daughter's chances that I forgot I also deserve educational opportunities. We'll definitely prioritize appealing her package with all the documentation everyone has suggested, especially proof of my enrollment status. @Anastasia Popova - I hope the CSS Profile turns out to be the missing piece for your daughter! This whole thread has been incredibly educational for those of us trying to figure out these new FAFSA rules.
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Carmen Reyes
As someone who just went through this exact situation last year, I can confirm what others are saying - withdrawing your FAFSA won't help your daughter under the new system. My son and I were both students, and I initially thought the same thing you did. What actually made the difference for us was discovering that his school had a separate "Family Educational Commitment" form that wasn't mentioned anywhere obvious. It's worth asking the financial aid office if they have any supplemental forms or considerations for families with multiple students, even if the federal formula doesn't account for it anymore. Also, double-check that both of your FAFSA applications list the correct number of household members in college. I made an error on mine initially and it affected both our calculations until we corrected it. The new FAFSA interface makes some of these details easy to miss compared to the old version. Don't give up on your own education! You both deserve the opportunity to learn and grow, and there may be more aid options available than you realize once you get through the appeals process.
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Ravi Patel
•This is such valuable advice, thank you @Carmen Reyes! I never would have thought to ask about supplemental forms beyond the standard FAFSA and CSS Profile. The "Family Educational Commitment" form you mentioned sounds like exactly the kind of thing that could make a difference but gets overlooked. I'm definitely going to double-check both our applications for any errors in the household member information. With all the changes to the FAFSA interface, it's entirely possible we missed something important or entered something incorrectly without realizing it. Your encouragement about not giving up on my own education really means a lot. I've been feeling guilty about potentially taking resources away from my daughter, but you're right that we both deserve these opportunities. Reading everyone's responses here has given me so much more confidence about moving forward with both our applications and focusing on the appeal process instead of withdrawing mine. @Anastasia Popova - have you had a chance to check if your daughter s'school requires the CSS Profile yet? I m'really hoping that turns out to be the key to resolving the aid discrepancy!
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Carmen Ruiz
I'm new to this community but wanted to share what I learned from my own experience with multiple family members in college under the new FAFSA rules. My sister and I were both applying for aid this year, and we ran into similar confusion about whether having two students would help or hurt our individual packages. After speaking with three different financial aid offices and doing a lot of research, here's what I discovered: the new Student Aid Index (SAI) calculation is much more individualized than the old Expected Family Contribution (EFC) system. The automatic "family contribution divided by number of students" benefit is essentially gone at the federal level. However, what everyone here is saying about institutional aid is absolutely correct! Two of the schools I applied to still have their own policies for families with multiple students in college. One school gave me an additional $2,000 "sibling enrollment grant" that had nothing to do with my FAFSA results. @Anastasia Popova - definitely keep your FAFSA application and focus on appealing your daughter's package. With an SAI of 8426, she should qualify for significant aid. The CSS Profile missing piece that others mentioned could very well be the answer. Also ask specifically about any institutional grants for families with multiple students enrolled simultaneously. The system is definitely confusing right now with all these changes, but don't let that discourage either of you from pursuing your educational goals!
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NebulaNomad
•Welcome to the community @Carmen Ruiz! Your experience with the sibling enrollment grant is really encouraging - it shows that even though the federal formula changed, individual schools are still finding ways to help families with multiple students. Your point about the SAI being more individualized really helps clarify why the old strategies don't work anymore. It sounds like the key now is to research each school's specific institutional aid policies rather than relying on the federal formula to automatically provide that benefit. @Anastasia Popova - this is more evidence that keeping your FAFSA active is the right choice! Between the potential CSS Profile issue and these school-specific grants for multiple students, there are definitely avenues to explore that don t'involve withdrawing your application. Thanks for sharing your research about speaking with multiple financial aid offices - that s'exactly the kind of legwork that helps navigate these new rules. It s'reassuring to know that schools are still trying to support families even as the federal system has changed.
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Yuki Sato
As someone who just navigated this exact situation with my own family, I want to echo what others have said - definitely don't withdraw your FAFSA application! The new system is frustrating, but withdrawing won't help your daughter's aid package. I made the same mistake initially and actually DID withdraw my application thinking it would boost my son's aid. It didn't make any difference at all, and then I had to scramble to resubmit everything when I realized I still needed aid for my own classes. The CSS Profile suggestion from others is spot on - that's often where the real difference lies for private schools. Also, when your daughter appeals, make sure she specifically asks about: 1. Any verification documents they might still need 2. Professional judgment reviews for special circumstances 3. Work-study opportunities if grants aren't available 4. Merit scholarships she might have missed The appeal process can take a few weeks, so start it as soon as possible. Most schools are understanding about the confusion around the new FAFSA changes - you're definitely not the only family dealing with this! Good luck with both of your educational journeys. Don't let this financial aid frustration derail either of your goals!
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Ella Cofer
•Thank you @Yuki Sato for sharing your experience with actually withdrawing and resubmitting - that s'exactly the kind of real-world insight that helps! It s'good to know that withdrawing didn t'help your son s'aid at all, which confirms what everyone else is saying about the new FAFSA formula. Your point about the appeal process taking a few weeks is really important timing-wise. @Anastasia Popova should definitely get that started ASAP if she hasn t already,'especially since we re already'well into the school year. The checklist you provided for the appeal is super helpful too. I hadn t thought'about asking specifically about work-study opportunities if grants aren t available'- that could be another way to bridge the gap in funding. It s encouraging'to hear that schools are understanding about the confusion with these FAFSA changes. This whole thread has been incredibly educational for those of us trying to navigate this new system. Thanks to everyone for sharing their experiences and expertise!
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Yuki Watanabe
This is such a helpful thread! I'm in a similar situation - my son is starting college next year and I'm considering going back to finish my degree. After reading all these responses, it's clear that the FAFSA changes have really complicated things for families with multiple students. The consensus seems to be that withdrawing your application won't help your daughter under the new SAI system, but there are definitely other avenues worth exploring. The CSS Profile missing piece that several people mentioned could be huge - I had no idea that private schools often require both forms and use them differently. What really stands out to me is how many people found success with the appeals process and asking specifically about institutional grants for multiple students. It sounds like even though the federal formula changed, individual schools are still trying to help families in these situations. @Anastasia Popova - I hope you were able to check on the CSS Profile requirement! With your daughter's SAI being so low (8426), it definitely seems like there might be aid she's missing out on. Keep us posted on how the appeal goes - your experience could help other families dealing with the same confusion about these new FAFSA rules.
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Ryan Vasquez
•This whole discussion has been incredibly eye-opening as someone just starting to navigate the financial aid world! Reading through everyone's experiences really drives home how much the FAFSA changes have affected families with multiple students in college. What strikes me most is how the solution isn't straightforward anymore - it's not just about federal aid calculations, but also involves CSS Profiles, institutional grants, appeals processes, and school-specific policies. It's almost like you need a completely different strategy now compared to even just a couple years ago. @Anastasia Popova - I m'really hoping the CSS Profile turns out to be the missing piece for your daughter! The fact that her friend with a higher SAI got more aid really suggests there s'something specific that got overlooked. And it sounds like keeping your own FAFSA application is definitely the right move based on everyone s'advice here. As someone new to all this, I m'curious - are there any resources people would recommend for staying up-to-date on these kinds of financial aid changes? It seems like the rules can shift pretty significantly and it s'hard to know where to get reliable information about what actually works under the current system.
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William Schwarz
As someone who works in financial aid administration, I want to address the excellent question about staying current with these changes. The best official resource is the Federal Student Aid website (studentaid.gov), which has updated guidance on the FAFSA Simplification changes. The National Association of Student Financial Aid Administrators (NASFAA) also publishes helpful updates for families navigating these transitions. What I'm seeing in this thread perfectly captures what we're dealing with in our office daily - families who were expecting the old "multiple students = more aid" formula to still work. The reality is that each school now has much more discretion in how they distribute their institutional funds, which is why the appeal process and direct communication with financial aid offices has become so crucial. @Anastasia Popova - your situation is exactly why we always recommend families appeal when the aid package seems inconsistent with similar circumstances. With your SAI and the potential CSS Profile gap others identified, there's definitely room for adjustment. Don't give up on your own educational goals either - many schools are creating new policies to support adult learners returning to school! The key takeaway for everyone: the new system requires more proactive advocacy, but aid is still available for those who know how to navigate it effectively.
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LilMama23
•Thank you so much @William Schwarz for the official resources! As someone completely new to navigating financial aid, having reliable sources like studentaid.gov and NASFAA is incredibly valuable. It s'reassuring to hear from someone who works in financial aid administration that what we re'seeing in this thread reflects the reality of what offices are dealing with every day. Your point about schools having more discretion with institutional funds really explains why the appeal process has become so important. It sounds like families need to be much more proactive now in advocating for themselves rather than just relying on the federal formula to work in their favor. @Anastasia Popova - this professional perspective really reinforces that you should definitely pursue that appeal, especially with the potential CSS Profile issue. And it s encouraging'to hear that schools are actively creating new policies for adult learners - that suggests your decision to return to school is well-timed even if the aid landscape has changed! This entire thread has been such a learning experience. It s clear'that while the new FAFSA system is more complex to navigate, there are still plenty of opportunities for families who are willing to do the research and advocacy work. Thanks to everyone for sharing their knowledge and experiences!
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Raúl Mora
As a newcomer to this community, I've been reading through this entire discussion with great interest since I'm facing a very similar situation with my own family. My twin daughters are both starting college next fall, and I've been considering going back to school myself to finish my nursing degree. What's really struck me from all the responses here is how dramatically the FAFSA landscape has changed with the new SAI system. The fact that the old "multiple students = divided family contribution" benefit is essentially gone at the federal level is something I had no idea about when I started researching our options. @Anastasia Popova - I'm really hoping you've been able to check on that CSS Profile requirement by now! The consensus from everyone here seems clear that withdrawing your FAFSA won't help your daughter's aid package, but there are definitely other avenues worth pursuing. Your daughter's SAI of 8426 should qualify her for substantial aid, so something is definitely off with her package. This thread has been incredibly educational for those of us trying to understand these new rules. It sounds like the key strategies now are: 1) Appeal with documentation, 2) Check for CSS Profile requirements, 3) Ask specifically about institutional grants for multiple students, and 4) Research school-specific policies rather than relying on federal formulas. Thank you to everyone who shared their experiences - this kind of real-world insight is invaluable for families navigating this confusing new system!
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AstroAce
•Welcome to the community @Raúl Mora! Your situation with twin daughters starting college is definitely challenging, especially with these new FAFSA rules. Having two students from the same family starting simultaneously should theoretically help more than having them staggered, but as everyone here has explained, the federal benefit isn't what it used to be. Your summary of the key strategies is spot-on based on everything discussed in this thread. I'd add one more thing that came up - don't forget to check state aid programs too, as some states still consider multiple family members in college even if the federal formula doesn't. For your nursing degree specifically, there might also be healthcare-focused scholarships and grants that could help supplement whatever federal aid you qualify for. Many hospitals and healthcare organizations offer tuition assistance for nursing students, especially for those returning to complete their degrees. @Anastasia Popova - I m'also curious to hear how the appeal process went and whether the CSS Profile ended up being the missing piece! Your experience could really help families like Raúl s'who are just starting to navigate these waters. It s'been amazing to see how much collective wisdom this thread has generated. The new FAFSA system may be more complicated, but having a community to share strategies and experiences makes it much more manageable!
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Arnav Bengali
As someone who just joined this community and is starting to research financial aid options for my family, this thread has been absolutely invaluable! I'm in a similar boat - considering returning to school while my daughter prepares for college, and I had no idea about these FAFSA changes. Reading through everyone's experiences, it's clear that the new SAI system has completely changed the game for families with multiple students. The fact that withdrawing your application won't help your daughter under the new formula is such important information that I never would have known otherwise. @Anastasia Popova - I really hope you've had success with the CSS Profile check and appeal process! Your daughter's low SAI should definitely qualify her for more aid than she received. Have you been able to get any updates from her financial aid office? What's really encouraging is seeing how many people found success through the appeals process and by asking specifically about institutional grants for multiple students. It sounds like even though the federal system changed, schools are still trying to find ways to help families in these situations. For those of us just starting this journey, this thread has provided such a clear roadmap: keep all FAFSA applications active, check for CSS Profile requirements, prepare thorough documentation for appeals, and ask specifically about school-specific policies for families with multiple students. Thank you to everyone who shared their knowledge and experiences!
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Margot Quinn
•Welcome to the community @Arnav Bengali! This thread really has become an incredible resource for understanding the new FAFSA landscape. As someone just starting to research these options, you're definitely getting a head start by learning about these changes before you're in the middle of the application process. Your summary of the key takeaways is perfect - keeping all applications active, checking CSS Profile requirements, and focusing on institutional aid opportunities rather than relying on the old federal formulas. It's such a different approach than what families had to do even just a couple years ago. @Anastasia Popova - I m'also really hoping to hear an update on how things worked out! Your experience could be so helpful for others facing similar situations. The fact that so many people in this thread have found success through appeals and discovering missing requirements like the CSS Profile is really encouraging. What strikes me most about this discussion is how it shows the importance of community support when navigating these complex systems. The financial aid world has become much more about individual advocacy and research rather than straightforward formulas, but having people share their real experiences makes it so much more manageable. Thanks to everyone who contributed their knowledge - this is exactly the kind of information that can make a huge difference for families!
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