Negative SAI (-1500) but no Pell Grant in aid offer - what's missing?
My nephew's FAFSA came back with a -1500 SAI score, which I thought automatically qualifies for the maximum Pell Grant (around $7,400 for 2025-26 right?). We just received his first financial aid package from Virginia State University and I'm confused - it shows the Commonwealth Grant and some Direct loans, but there's zero mention of any Pell Grant. Did we miss a step in the application? Do some schools not include Pell Grants in their initial package? His mom passed away last year and his dad is completely overwhelmed by this process, so I'm trying to help but feel like I'm missing something obvious here. Should we contact the financial aid office directly?
39 comments


Caesar Grant
yea definitely call financial aid RIGHT away! With a negative SAI like that he should 100% get max Pell. sounds like something got missed in the system. my daughter had -2200 and got max Pell at all schools
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Philip Cowan
•Thanks! Glad to hear I'm not crazy. Will try calling tomorrow morning.
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Lena Schultz
A negative SAI (-1500) should absolutely qualify your nephew for the maximum Pell Grant award. There are a few possible explanations for why it's not showing up in the aid package: 1. The school might not have processed the FAFSA information correctly 2. There could be verification issues pending that are holding up the Pell Grant 3. Some schools send preliminary aid offers before all federal aid is processed 4. There might be an eligibility issue they haven't communicated (citizenship, selective service, etc.) I would recommend calling their financial aid office directly to ask about the missing Pell Grant. Have your nephew's FAFSA confirmation number and SAI score handy when you call. This is definitely worth following up on - the maximum Pell Grant for 2025-26 is $7,395, which is significant free money he shouldn't miss out on!
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Philip Cowan
•This is incredibly helpful, thank you! I do have his confirmation number and I'll make sure to mention the SAI score specifically. I'm still learning all the financial aid terminology so this gives me a good script to work from when calling.
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Gemma Andrews
OMG the financial aid system is SO BROKEN!!! I went through the EXACT same thing with my daughter's aid package last semester. Negative SAI but no Pell listed!! Called for THREE WEEKS and couldn't get anyone to pick up. Left messages, emails, nothing. Finally drove 2 hours to the financial aid office and guess what? It was a "computer glitch" in their system!! They fixed it on the spot and suddenly the Pell appeared. Don't trust these schools to get it right - you have to ADVOCATE and be persistent!!!!
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Philip Cowan
•Wow, that's discouraging but good to know. I hope it doesn't come to making a trip there since it's about 3 hours away, but I'll definitely stay on top of this.
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Pedro Sawyer
i had this problem too. turned out i checked the wrong box about drug convictions on the FAFSA (i dont have any but clicked yes by accident) which made me ineligible for pell. double check his application for silly mistakes like that too
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Philip Cowan
•Hmm, that's a good point. I'll have to ask him to log in and review the application again. I helped him fill it out but he clicked through some sections himself.
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Mae Bennett
I've worked in financial aid for years. Here's what's likely happening: Many schools send out preliminary aid packages before all federal aid processing is complete. Call the financial aid office and specifically ask: 1. "Has my nephew's FAFSA been fully processed in your system?" 2. "Is there any verification required that might be holding up his Pell Grant?" 3. "When can we expect to see the Pell Grant added to his package?" Also, make sure your nephew logs into studentaid.gov to verify his SAI is indeed -1500 and check if there are any alerts or action items there. With that SAI, he should absolutely receive the maximum Pell Grant ($7,395 for full-time enrollment in 2025-26).
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Philip Cowan
•This is extremely helpful, thank you! I'll definitely use these exact questions when I call. And good reminder about checking studentaid.gov - we haven't logged in there since we submitted the application.
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Beatrice Marshall
I had a super similar issue when helping my brother last year. Tried calling for DAYS and just kept getting disconnected or endless hold times. Finally used this service called Claimyr (claimyr.com) that holds your place in line and calls you back when an actual human is available. Got through to FSA in about 45 mins instead of waiting for hours. They have a demo video that shows how it works: https://youtu.be/TbC8dZQWYNQ We found out there was a flag on his account because his name on his social security card had a hyphen but we didn't include it on the FAFSA. Such a stupid small thing but it held up his Pell Grant for weeks! Worth checking if there are any flags on his account.
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Philip Cowan
•Thanks for the recommendation! I'll try calling the school first, but if I need to reach the actual FAFSA folks I'll definitely check out that service. The hold times are brutal from what I've heard.
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Melina Haruko
sometimes schools send out a basic aid package and then update it later with federal stuff. my daughter got her "final" aid package a month after the first one they sent. but definitely call to be sure!
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Dallas Villalobos
Hello! Financial aid counselor here. One thing no one has mentioned yet - Pell Grant eligibility requires that the student not already have a bachelor's degree. Is your nephew by any chance pursuing a second undergraduate degree? That would explain the missing Pell despite the very low SAI. Another possibility is that the school's system simply hasn't updated yet with the federal aid component. Many schools process institutional and state aid first, then add federal aid as it's confirmed. This is especially true early in the aid cycle. I'd recommend calling the financial aid office directly and asking specifically about Pell Grant eligibility. With an SAI of -1500, he should absolutely qualify for the maximum amount if all other eligibility requirements are met.
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Philip Cowan
•Thank you for this insight! No, this is his first degree - he's an incoming freshman. But the timing explanation makes sense. We received the aid letter just yesterday, so maybe it is a preliminary version. I'll definitely call and ask specifically about the Pell Grant timing.
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Gemma Andrews
One more thing nobody mentioned - make SURE he's enrolled full-time (12+ credits per semester)! My son only got HALF his Pell when he enrolled in 9 credits because apparently it's prorated if you're not full-time. The financial aid office never bothered to mention this until I questioned why his Pell was so much lower than expected.
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Philip Cowan
•That's really good to know - thank you! He is planning to be full-time, but I'll definitely verify that when I call.
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Mae Bennett
After your call with the financial aid office, please update us here! I'm curious what the issue turns out to be. Also, you mentioned you're helping because your nephew lost his mom - please make sure the financial aid office knows about this change in circumstances. If the FAFSA was completed using income information that included his mother's income from two years ago, they can do a professional judgment review to exclude that income, which might further improve his aid eligibility.
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Philip Cowan
•I will definitely update! And thank you for that important reminder about professional judgment. His mom passed six months ago, and the FAFSA did include her income from two years ago. I didn't realize the school could adjust for that - will absolutely bring that up during the call.
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CosmosCaptain
I'm so sorry for your family's loss. You're doing such a wonderful thing helping your nephew navigate this process during such a difficult time. I went through something similar with my cousin a few years back - the financial aid world can be overwhelming even under normal circumstances. From what everyone has shared here, it really sounds like this is likely just a processing delay or system issue. With that negative SAI, your nephew should absolutely be getting the maximum Pell Grant. I'd echo what others have said about calling first thing in the morning and being persistent. One additional tip - when you call, ask to speak with a financial aid counselor rather than just the front desk staff. They'll have more detailed knowledge about processing timelines and can look deeper into his specific case. Also, if the first person you speak with can't give you a clear answer, politely ask to speak with a supervisor. Please keep us posted on what you find out! This community is great for supporting each other through these challenges.
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Dananyl Lear
•Thank you so much for the kind words and support - it really means a lot. You're right that this process is overwhelming even under normal circumstances, and losing his mom has made everything feel so much more complicated. I really appreciate everyone in this community taking the time to share their experiences and advice. I'm planning to call first thing Monday morning and will definitely ask to speak with a financial aid counselor specifically. The tip about asking for a supervisor if needed is great too - I want to make sure we get to the bottom of this quickly so he can make informed decisions about his enrollment. I'll absolutely update everyone here once I know more. This thread has been incredibly helpful and reassuring that we're on the right track. Thank you again!
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Mateo Martinez
I'm glad to see you have such a supportive community helping you through this! As someone who's been through the financial aid maze myself, I wanted to add that when you call Monday morning, it might be helpful to have your nephew's Student Aid Index (SAI) documentation ready - either a screenshot from his studentaid.gov account or his FAFSA confirmation page showing the -1500 SAI. Sometimes having that visual proof can help move things along faster when you're explaining the situation to the financial aid office. Also, since Virginia State University is a public institution, they should be very familiar with processing Pell Grants - this really does sound like either a timing issue or a simple oversight in their system. Don't be afraid to be politely persistent if the first person you speak with seems unsure about the process. Wishing your nephew the best as he starts this next chapter, and thank you for being such a caring advocate for him during this difficult time.
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Lily Young
•That's excellent advice about having the SAI documentation ready! I hadn't thought about bringing visual proof, but you're absolutely right that it could help speed things up. I'll make sure to have his studentaid.gov account pulled up or take a screenshot before I call. It's also reassuring to hear that as a public institution, VSU should be very familiar with Pell Grant processing. That gives me more confidence that this is likely just a timing or system issue rather than something more complicated. Thank you for the encouragement about being politely persistent - sometimes it's hard to know how much to push, especially when you're learning the system yourself. I really appreciate all the support from everyone here!
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Victoria Scott
I'm seeing this thread a bit late but wanted to add my experience as well! My son had a similar situation last year - negative SAI but no Pell Grant showing up initially. It turned out the school was waiting for verification documents that we didn't even know they needed. The financial aid office had sent an email to his student portal requesting tax transcripts, but we weren't checking it regularly and missed it for weeks. Once we submitted the verification docs, his Pell Grant appeared within about 5 business days. So when you call Monday, definitely ask if there are any outstanding verification requirements or documents they're waiting for. Sometimes these requests get buried in student email or portal notifications. Also, I second what others have said about professional judgment for the loss of his mother - that could potentially increase his aid even beyond the Pell Grant. You're doing an amazing job advocating for him during such a difficult time!
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Melissa Lin
•Thank you so much for sharing your experience! The verification document issue you mentioned is really helpful to know about - I hadn't even considered that might be holding things up. I'll definitely ask specifically about any outstanding verification requirements when I call Monday, and I'll have my nephew check his student portal thoroughly to see if there are any messages we missed. It's encouraging to hear that once you submitted the documents, the Pell Grant showed up so quickly. That gives me hope this might be a relatively straightforward fix once we figure out what's missing. I really appreciate everyone's advice about the professional judgment process too. I'm planning to bring up his mother's passing and see if they can do an adjustment for the change in family circumstances. Every bit of additional aid could make a real difference for his family right now. Thank you again for taking the time to share your story - it's exactly the kind of real-world experience that helps me know what questions to ask!
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Sofia Morales
I'm a newcomer here but wanted to share what happened with my daughter's aid package this year. She also had a negative SAI (-2100) but initially received an aid offer with no Pell Grant listed. When I called the financial aid office, they told me it was because they were still waiting for her high school transcript to be sent directly from the school - apparently this was holding up all federal aid processing even though we had submitted everything else months ago. The frustrating part was that nowhere in their communications did they clearly state that missing transcripts would delay Pell Grant processing. Once the transcript arrived, her full Pell Grant was added to the package within a week. So when you call Virginia State, ask specifically if ALL required documents have been received, not just the FAFSA. Sometimes it's the most basic requirement that causes the holdup. Good luck, and I hope this gets resolved quickly for your nephew!
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Omar Mahmoud
•Thank you for sharing that experience! The transcript issue is something I definitely wouldn't have thought to ask about specifically. It's so frustrating how these seemingly small missing pieces can hold up the entire financial aid process, especially when the schools don't clearly communicate what's causing the delay. I'll add "transcript receipt" to my list of questions for Monday's call, along with verification documents and any other outstanding requirements. It's helpful to know that once the missing piece was resolved, the Pell Grant appeared so quickly for your daughter. I'm keeping a running list of all the great suggestions from this thread - between checking for verification docs, confirming transcript receipt, asking about professional judgment, and having the SAI documentation ready, I feel much more prepared to have a productive conversation with the financial aid office. Thank you!
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Daniel Rogers
I'm new to this community but wanted to jump in and help! I just went through this exact situation with my younger brother last fall. He had a negative SAI of -1800 and his initial aid package from his state school showed everything except the Pell Grant. When I called the financial aid office, they told me that federal aid processing runs on a different timeline than state and institutional aid, and that Pell Grants often get added to packages 2-4 weeks after the initial offer letter is sent. They said this is especially common early in the aid season when they're processing thousands of applications. The key thing is to call and get a specific timeline from them. Ask when they expect federal aid to be fully processed and added to his package. Also ask if there's anything you can do to speed up the process. With a -1500 SAI, your nephew should absolutely get the maximum Pell Grant ($7,395 for 2025-26). Don't let them brush you off - be persistent but polite. You're doing an amazing thing helping him navigate this during such a difficult time after losing his mom. Keep us posted on what you find out! This community is really supportive and we're all rooting for you and your nephew.
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CosmicCaptain
•Thank you so much for sharing your brother's experience! It's really reassuring to hear that the 2-4 week timeline for federal aid processing is normal, especially early in the aid season. I was starting to worry that we had made some major mistake in the application process. Your suggestion about asking for a specific timeline is excellent - that way I'll know exactly when to follow up if the Pell Grant still hasn't appeared. And asking if there's anything we can do to speed up the process is a great question I hadn't thought of. I'm feeling much more confident about Monday's call after reading everyone's experiences and advice in this thread. It's clear that with a -1500 SAI, my nephew should definitely be getting that maximum Pell Grant, so I won't let them brush me off. Thank you for the kind words about helping him through this difficult time. This community has been incredibly supportive and I'm so grateful for everyone taking the time to share their stories and suggestions. I'll definitely update everyone once I know more!
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Ella Lewis
I'm new to this community but have been following this thread because my family went through something very similar recently. My cousin had a negative SAI and initially didn't see his Pell Grant in the aid package from his college. One thing that hasn't been mentioned yet is to make sure your nephew hasn't exceeded the lifetime Pell Grant eligibility limit. I know he's an incoming freshman, but if he took any college courses in high school (dual enrollment, concurrent enrollment, etc.) and received Pell Grant funding for those, it could potentially affect his current eligibility. The lifetime limit is equivalent to 12 full-time semesters of Pell Grant funding. Also, when you call Monday, ask them to confirm that his enrollment status in their system matches what he actually plans to take. Sometimes there are discrepancies between what the student thinks they're enrolled for and what the school's system shows, which can affect aid calculations. You're doing such an incredible job helping your nephew during this difficult time. Losing a parent while trying to navigate college applications and financial aid is overwhelming, and having a supportive family member like you makes all the difference. Please keep us updated - this community really cares and wants to see this resolved for him!
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Ella rollingthunder87
•Thank you for bringing up the lifetime Pell Grant eligibility limit - that's something I definitely wouldn't have thought to check! My nephew didn't do any dual enrollment or college courses in high school, so that shouldn't be an issue, but it's really good to know about for future reference. Your point about confirming his enrollment status in their system is excellent too. I'll make sure to ask them to verify what they have on file versus what he's actually planning to enroll in. It would be terrible if a simple data entry error was causing this whole issue. I'm adding both of these items to my growing list of questions for Monday's call. Between all the advice from everyone in this thread, I feel like I'll be able to ask all the right questions and hopefully get to the bottom of this quickly. Thank you so much for the kind words about helping him through this difficult time. This community has been absolutely amazing with all the support and practical advice. I promise I'll update everyone once I know what the issue was and how it got resolved!
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Dmitry Kuznetsov
I'm new to this community but wanted to share what happened with my niece last year since it sounds very similar to your situation. She had a negative SAI of -1700 and initially received an aid package with no Pell Grant listed. When we called the financial aid office, it turned out they were still waiting for her father to complete the required identity verification process on studentaid.gov - something we had completely overlooked. The verification process requires the parent (or student if independent) to upload a photo of their driver's license and take a selfie to confirm their identity. If this step isn't completed, it can hold up all federal aid processing even if the FAFSA itself was submitted successfully. The financial aid office never clearly communicated that this was the holdup. Once we completed the identity verification, her Pell Grant appeared in the system within 3-4 business days. So when you call Virginia State on Monday, definitely ask if there are any outstanding identity verification requirements on either your nephew's account or his father's account. You're being such a wonderful advocate for your nephew during this incredibly difficult time. Having lost his mother and now navigating this complex process, he's lucky to have you in his corner. This community has given you excellent advice, and I'm confident you'll get this resolved quickly. Please update us with what you find out!
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Dmitry Volkov
•Thank you for sharing that identity verification experience! That's another really important detail I wouldn't have thought to check. I'm not sure if my nephew's dad completed that step after we submitted the FAFSA - we were so focused on just getting the application submitted that we might have missed follow-up requirements like that. I'll definitely add identity verification status to my list of questions for Monday's call. It's frustrating how many different little steps can hold up the process, but I'm grateful that everyone here is sharing these real-world experiences so I know what to ask about. Between verification documents, transcripts, identity verification, enrollment status confirmation, and all the other suggestions from this thread, I feel like I have a comprehensive checklist now. Hopefully one of these common issues is what's causing the delay and we can get it resolved quickly. Thank you for the kind words about advocating for him. This community has been absolutely incredible with all the practical advice and support. I'll definitely update everyone once I find out what was causing the holdup!
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Yuki Tanaka
I'm new to this community but wanted to add my experience since it might be relevant to your situation. My son had a similar issue last year - negative SAI but no Pell Grant in his initial aid package from his state university. When I called their financial aid office, I discovered they had processed his FAFSA but were waiting for him to complete the "Federal Student Aid PIN confirmation" step. Apparently, even though we had submitted the FAFSA successfully, there was an additional confirmation email that went to his student email that we never saw. The email required him to click a link and confirm his PIN to finalize the federal aid processing. Once he completed that step (which took literally 30 seconds), his Pell Grant was added to his package within 48 hours. The frustrating part was that this critical step was buried in his student email spam folder, and the school never mentioned it when we first inquired about the missing Pell Grant. When you call Virginia State on Monday, ask specifically if there are any pending email confirmations or PIN verifications that need to be completed. Also have your nephew check both his personal email and student portal thoroughly for any messages he might have missed. You're doing an amazing job helping your nephew through this difficult transition after losing his mom. With a -1500 SAI, he absolutely deserves that maximum Pell Grant, so don't give up until you get answers. This community is rooting for you both!
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Ravi Malhotra
•Thank you for sharing that experience about the PIN confirmation step! That's exactly the kind of detail that could easily be missed and cause this whole issue. I had no idea there might be additional confirmation steps after submitting the FAFSA itself. I'll definitely have my nephew check both his personal email and student portal spam folders before I call Monday - that could save us a lot of time if there's a simple confirmation sitting there waiting. And I'll add "pending PIN verifications or email confirmations" to my growing list of questions for the financial aid office. It's so frustrating how these critical steps can get buried in spam folders or overlooked, especially when you're already dealing with the stress of college applications and family loss. But I'm grateful you shared this because it gives me another concrete thing to check and ask about. Between all the suggestions from everyone in this thread - verification docs, transcripts, identity verification, PIN confirmations, enrollment status, and more - I feel like I have a really comprehensive approach for Monday's call. Hopefully we'll identify the missing piece quickly and get his Pell Grant added to the package where it belongs with that -1500 SAI. Thank you for the encouragement and support. This community has been absolutely incredible!
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Rebecca Johnston
I'm new to this community but wanted to share what happened with my daughter this past fall semester. She also had a negative SAI (-1650) and we received her initial aid package from her state school with no Pell Grant listed anywhere. After reading through all the excellent advice in this thread, I called the financial aid office and it turned out to be a combination of two issues: they were waiting for tax transcript verification AND there was a mismatch between her legal name on the FAFSA and what was in their enrollment system (she goes by her middle name but her legal first name was on the FAFSA). Once we cleared up both issues, her full Pell Grant appeared within a week. The key was being persistent and asking very specific questions like everyone here has suggested. One additional tip - when you call Monday, ask them to walk you through exactly what they see in their system for your nephew's federal aid processing status. Don't just ask "where's the Pell Grant" but ask them to actually look at his file and tell you what stage of processing it's in. Sometimes the front desk staff will just give you a generic answer, but if you ask them to pull up his specific record, they'll find the real issue. You're being such an incredible advocate for your nephew during this difficult time. With that -1500 SAI, there's absolutely no reason he shouldn't get the maximum Pell Grant. Don't let them brush you off - keep pushing until you get a clear answer and timeline. This community is here to support you both!
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Chloe Anderson
•Thank you so much for sharing your daughter's experience with the name mismatch issue! That's something I never would have thought to check, but it makes perfect sense that a discrepancy between the FAFSA name and enrollment system could cause processing delays. Your tip about asking them to walk through exactly what they see in his system is brilliant - that's much more specific than just asking "where's the Pell Grant" and should help get to the root cause faster. I'll make sure to ask them to pull up his file and explain the specific processing status rather than accepting a generic response. Between your advice and everyone else's suggestions in this thread, I feel like I have a really solid strategy for Monday's call. I'm going to ask about verification documents, transcripts, identity verification, PIN confirmations, name matching, enrollment status, and request they walk through his federal aid processing status step by step. It's been so reassuring to hear from everyone that with a -1500 SAI, there's no question he should be getting that maximum Pell Grant. I won't let them brush me off until we get a clear answer and timeline. Thank you for all the encouragement and for taking the time to share such detailed advice. This community has been absolutely amazing and I'm so grateful for all the support during this stressful time for our family!
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Eve Freeman
I'm new to this community but wanted to share a quick tip that helped us when my stepson had a similar issue last year. His negative SAI should have qualified him for maximum Pell, but it wasn't showing up in his aid package either. When I called the school, I learned that their financial aid system processes federal aid in batches, and they only run those batch updates twice a week (Tuesdays and Fridays in his case). So even if all his paperwork was complete, we had to wait for the next batch processing date for the Pell Grant to actually appear in his online portal. The financial aid counselor was able to confirm that his Pell Grant was approved and would appear after the next batch run, which gave us peace of mind while we waited. Maybe ask Virginia State about their batch processing schedule when you call Monday - it could explain the timing delay even if everything else is in order. With everything your family has been through losing his mom, you're doing such an important thing advocating for him. That -1500 SAI definitely means he should get the full $7,395, so don't give up until you see it reflected in his aid package. Wishing you both the best!
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Henry Delgado
•Thank you for sharing that batch processing insight! That's really helpful information that I wouldn't have known to ask about. It makes sense that schools would process federal aid in batches rather than individually, and knowing their specific schedule could definitely help set expectations for when we should see the Pell Grant appear. I'll add "batch processing schedule for federal aid" to my list of questions for Monday's call. If everything else checks out but they're just waiting for the next processing cycle, at least we'll know there's a specific timeline to expect rather than wondering if something is wrong. It's reassuring to hear that in your stepson's case, the financial aid counselor was able to confirm the Pell Grant was approved even before it showed up in the portal. That kind of confirmation would give us so much peace of mind while waiting for the system to update. Thank you for the kind words about advocating for him during this difficult time. This whole thread has given me so much confidence that we're on the right track and that he absolutely should be getting that full Pell Grant with his -1500 SAI. I won't give up until we get it resolved!
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