SAI too high for full student loan eligibility? College says daughter doesn't qualify - is this normal?

yes this is a thing unfortunately. sai does affect loan eligibility. my son had same issue last yr. its called 'need-based' vs 'non-need-based' aid. if ur sai is high the school thinks u can 'afford' more so they give u less subsidized loans.

This is definitely correct - your daughter's Student Aid Index determines not just grant eligibility but also which types of loans she can receive. With a higher SAI, she may still qualify for the full $5,500, but it will be split differently between subsidized and unsubsidized loans. Subsidized loans (where the government pays interest while in school) are need-based, while unsubsidized are available regardless of need. Ask the financial aid office for a breakdown of subsidized vs. unsubsidized eligibility specifically.

they did this to us too!! said my son could only get $3750 total in loans bcuz our SAI was like $18k. but we still need help! ended up having to do a parent plus loan even tho we didnt want more debt :

This is definitely a thing and something many families encounter when navigating financial aid. Here's what's happening: 1) Federal Direct Subsidized loans (where government pays interest while in school) are need-based and limited by your SAI 2) Federal Direct Unsubsidized loans are available regardless of need up to annual limits 3) The total freshman limit is typically $5,500, but how much is subsidized vs. unsubsidized depends on your SAI Your daughter should still be eligible for the difference in unsubsidized loans. For example, if they offered $3,500 subsidized, she should be able to get an additional $2,000 in unsubsidized loans to reach the $5,500 freshman limit. Call the financial aid office back and specifically ask about unsubsidized loan eligibility - sometimes they don't automatically package the full amount if your SAI suggests you can cover more costs.

I spent THREE DAYS trying to reach someone at Federal Student Aid about this exact same issue last semester. Kept getting disconnected or waiting on hold forever. Finally found this service called Claimyr (claimyr.com) that got me connected to an actual FSA agent in 20 minutes instead of hours. They have this demo video showing how it works: https://youtu.be/TbC8dZQWYNQ The FSA agent confirmed what others are saying here - there's subsidized (need-based) and unsubsidized (available to everyone). Your daughter should definitely qualify for the unsubsidized portion to reach the total $5,500. Sometimes schools don't automatically offer the unsubsidized portion if they think you can afford more based on your SAI.

lol welcome to the financial aid nightmare! they make it SO confusing on purpose i swear. same thing happened with my kid last year and we ended up just putting tuition on credit cards which was probably stupid but WHATEVS

This happened to us too and it was incredibly frustrating!!! The system seems designed to just assume parents can magically come up with thousands of dollars regardless of what our actual budget looks like. We have three kids in college simultaneously and our "high" SAI doesn't account for that reality at all. We ended up having to take out Parent PLUS loans which I HATE because the interest rates are terrible compared to the student loans. The whole system feels rigged against middle class families who make "too much" on paper but not enough in reality to fund college without significant borrowing. BTW - has anyone successfully appealed their SAI? We're going to try that route next year.

Just to follow up on your situation - make sure you're clear with the financial aid office that you want your daughter to receive the maximum federal loans she's eligible for, including unsubsidized loans. Some schools don't automatically package the full loan amount if your SAI is higher. Also, if your financial situation has changed since you filed the FAFSA (job loss, medical expenses, etc.), you can request a professional judgment review from the financial aid office. This can potentially adjust your SAI and increase eligibility for need-based aid including subsidized loans.

That's such great news! I'm so glad you got it sorted out - it's frustrating how much the outcome can depend on which staff member you happen to talk to. This is exactly why I always recommend calling back if you get an answer that doesn't sound right. Financial aid offices are notorious for having inconsistent information between different counselors. Your persistence really paid off here, and now your daughter can get the full $5,500 she's entitled to. Hopefully this helps other parents in similar situations realize they should push back and ask specifically about unsubsidized loan options if they're not automatically offered!

This thread has been so helpful! I'm going through the exact same thing with my son's aid package right now. The financial aid office initially told us he only qualified for $2,000 in loans, but after reading all your responses, I'm definitely going to call back tomorrow and specifically ask about unsubsidized loan options. It's crazy how much the information varies depending on who you talk to - seems like half the battle is just knowing the right questions to ask. Diego, congrats on getting it figured out! Your persistence gives me hope that we can get this sorted out too.

This whole thread is so reassuring! I'm a first-time college parent and have been pulling my hair out trying to understand why my daughter's loan offer seemed so low compared to what I expected. Our SAI came back higher than anticipated and I was panicking thinking we'd have to cover the full gap ourselves. Reading Diego's success story and all the explanations about subsidized vs unsubsidized loans has been incredibly helpful. I had no idea that schools sometimes don't automatically package the full loan amount - seems like such crucial information that should be more clearly communicated upfront. Definitely calling our financial aid office tomorrow armed with the right questions. Thanks everyone for sharing your experiences!

I'm so glad I found this thread! I'm dealing with the exact same situation with my twin daughters who are both starting college this fall. Our SAI came back higher than expected and both schools initially said they only qualified for partial loan amounts. I was completely panicked thinking we'd have to somehow come up with an extra $4,000 out of nowhere. After reading Diego's success story and all the great explanations here about subsidized vs unsubsidized loans, I called both financial aid offices today. Sure enough, both girls can get the full $5,500 freshman limit - it's just split differently between subsidized and unsubsidized than I originally understood. The first financial aid counselor I spoke to at each school made it sound like they were maxed out, but when I specifically asked about unsubsidized Direct Loans, suddenly there were more options available. This community is seriously a lifesaver for navigating all this confusing financial aid stuff!