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Atticus Domingo

Why do unmotivated students get $15K in FAFSA aid while my determined daughter gets nothing?

I'm beyond frustrated with the FAFSA system right now! I've talked with several moms at my daughter's school whose kids received around $15,000 in aid, and these students aren't even interested in continuing their education! Meanwhile, my daughter who has worked SO HARD to maintain a 3.8 GPA and is DESPERATE to attend college is getting practically nothing. How is this fair?? She's applied to 5 universities and the aid packages are laughable compared to what these other families got. These other parents told me their kids have average grades and no extracurriculars. What factors is FAFSA even considering? Is it just about income? Because we're not wealthy by any means - I'm a single mom working two jobs! Does anyone understand how this system actually works or how to appeal? I'm at my wit's end.

Beth Ford

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The FAFSA system isn't about academic merit or a student's desire to attend college - it's purely needs-based and calculated using the Student Aid Index (SAI). Those families likely had significantly lower income, more dependents, fewer assets, or special circumstances that qualified them for more aid. Your family's financial situation, regardless of how hard your daughter works, is what determines the aid amount. Merit-based aid comes from individual schools, not FAFSA directly. A few things you can do: 1. Check if your SAI calculation is correct 2. Look into CSS Profile schools that consider more nuanced financial factors 3. Have your daughter apply for private scholarships based on her academic achievements 4. Contact the financial aid offices at her accepted schools to discuss her situation

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Thank you for explaining. I guess I misunderstood how FAFSA works. I thought her grades would factor in somehow. Our SAI came back at 9,800 which seems high considering our situation. Is there any way to get this reconsidered? I've tried calling the Federal Student Aid office but never get through to anyone. It's just recorded messages.

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omg yes!!! same exact thing happened with my son last year!!!! he got barely 5k and his friend who literally FAILED chemistry twice got full ride practically?? makes zero sense 🤬 the whole system is rigged

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The system isn't rigged, it's just not designed to reward academic performance. FAFSA distributes need-based aid according to federally mandated formulas. What you're describing is frustrating but it's actually working as intended - the student with greater financial need receives more aid regardless of academic standing. For merit scholarships, you need to look at institutional and private scholarship opportunities instead.

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Joy Olmedo

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I had the exact same experience with the Federal Student Aid helpline - impossible to reach anyone! After wasting days trying to get through about my daughter's verification issue, I discovered a service called Claimyr that got me connected to an actual FSA agent in under 30 minutes. Saved my sanity! They have a video showing how it works at https://youtu.be/TbC8dZQWYNQ and their website is claimyr.com. The agent I spoke with was able to explain why our SAI was calculated the way it was and suggested documentation we could submit for reconsideration.

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Isaiah Cross

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does this actually work? ive been trying to call for 2 weeks about my sons incorrect tax info and cant get anyone

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Joy Olmedo

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Yes, it worked for me after I'd tried for days on my own. The agent I spoke with was able to see exactly where the issue was with our application and walked me through the correction process. Made a huge difference in our aid package.

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Kiara Greene

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Your frustration is understandable, but I want to clarify something important about how financial aid works. There are two completely separate types of aid: 1. Need-based aid (FAFSA, Pell Grants) - based ONLY on financial circumstances 2. Merit-based aid (scholarships) - based on grades, extracurriculars, essays The students receiving $15K from FAFSA likely come from families with lower income, more dependents in college, fewer assets, or special financial circumstances. Their academic motivation is irrelevant to this calculation. Your daughter's 3.8 GPA is impressive and deserves recognition, but that comes through merit scholarships from individual schools, not through FAFSA. Has she applied for institutional scholarships at each school? Many universities have separate scholarship applications.

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I had no idea these were completely separate! So even with her grades, FAFSA only looks at our finances? That makes more sense now. She has applied for some school scholarships but probably not enough. I'll have her look for more right away. Thank you for the clarification!

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Evelyn Kelly

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wait am i the only one confused by the 15k number?? that seems really high for just fafsa aid. are u sure those other parents weren't talking about their total financial aid package? like including university scholarships too? cuz max pell grant is only like 7k something

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Beth Ford

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You're absolutely right. The federal Pell Grant maximum for the 2025-2026 academic year is $7,395. If someone is receiving $15,000 in aid, that's almost certainly a combination of federal aid (Pell Grant, SEOG, subsidized loans) plus institutional aid from their specific college. Those other parents were likely referring to their children's total financial aid package, not just FAFSA-determined aid.

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Isaiah Cross

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listen the FAFSA is totally broken i had to claim bankruptcy 3 years ago and they STILL say my expected family contribution is $8000 like where am i supposed to get that kind of money???? my daughter has to work full time just to afford books its a joke

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The FAFSA doesn't consider bankruptcy in the SAI calculation unless it's specifically a discharge of federal student loans. This is definitely a limitation of the system. However, you should contact your daughter's financial aid office directly about your bankruptcy situation as they can sometimes make professional judgment adjustments that the standard FAFSA formula doesn't capture. Bring documentation of your bankruptcy and current financial situation.

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Kiara Greene

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For students with strong academic records like your daughter, I'd recommend focusing on these action items: 1. Appeal your financial aid package at each school. Contact their financial aid offices directly and explain your situation, especially if there are special circumstances not captured on the FAFSA. 2. Apply for private scholarships. With a 3.8 GPA, she should qualify for many. Check Fastweb.com, Scholarships.com, and your local community foundations. 3. Look into schools with generous merit aid programs. Some universities offer automatic scholarships based on GPA and test scores. 4. Consider starting at a community college to complete general education requirements at a lower cost, then transfer. The disconnect between motivation and aid is frustrating, but focusing on merit-based opportunities will likely yield better results than trying to change how the FAFSA works.

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Thank you for these specific suggestions. I've already emailed two of the financial aid offices to set up meetings, and my daughter is applying for more scholarships this weekend. The community college route is something we hadn't considered seriously, but it makes financial sense. I appreciate the practical advice!

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My friend's kid got more money cause they have 4 children and make like no money at all. It's all about how much the govt thinks you can pay (SAI) NOT about grades at all. It's super unfair but that's how it works

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It's not really about fairness - the system is designed specifically to help those with the greatest financial need afford college. A student from a family with 4 children and very low income will likely struggle more to pay for college without assistance than a student from a family with higher income, regardless of academic achievement. Merit-based aid exists separately through scholarships to reward academic performance.

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Beth Ford

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One important point that hasn't been mentioned: check if your daughter's FAFSA has been selected for verification. About 30% of applications get flagged, and if you don't complete the verification process, your aid won't be processed properly. Also, make sure you've listed all schools she's applying to on the FAFSA. If your financial situation has changed significantly since the tax year used for FAFSA (job loss, medical expenses, etc.), you can request a professional judgment review from each school's financial aid office.

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We weren't selected for verification, but I did forget to add one school to her FAFSA! I'll fix that right away. Our financial situation has actually gotten worse since the tax year they used - I had to reduce my hours at one job due to health issues. I'll definitely request that professional judgment review. Thank you!

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Paige Cantoni

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I completely understand your frustration! As a newcomer here, I've been reading through all these responses and they're really eye-opening. I had no idea that FAFSA was purely need-based rather than merit-based. My own daughter is a junior with similar grades to yours, and I was assuming her hard work would automatically translate to more financial aid. Now I realize we need to be looking at two completely separate tracks - the FAFSA for need-based aid and scholarships for merit-based aid. It sounds like you're already taking action on both fronts based on the advice here, which is great! The suggestion about documenting your reduced work hours due to health issues for the professional judgment review could really make a difference. Hang in there - your daughter's achievements will pay off, just maybe not through the avenue you originally expected.

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Welcome to the community! You're absolutely right about the two-track system - it really wasn't intuitive to me either when I first started navigating this process. I'm glad you're learning this now while your daughter is still a junior! That gives you time to research merit scholarships and maybe even look at colleges known for generous merit aid packages. The distinction between need-based and merit-based aid seems so obvious once explained, but I wish someone had told me this earlier in the process. Good luck with your daughter's junior year!

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Riya Sharma

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As another newcomer to this community, I'm finding this discussion incredibly helpful! I'm in a similar situation with my son who's a senior - great grades but our FAFSA aid is minimal. Reading through all these responses has been like a crash course in financial aid that I wish I'd taken years ago. The clarification about the $15K likely being total aid packages (not just FAFSA) really puts things in perspective. I'm definitely going to look into that Claimyr service someone mentioned since I've also been stuck in phone tree hell trying to reach FSA. And the advice about appealing with documentation of changed circumstances gives me hope - my husband's hours were cut last year but that won't show up on our taxes until next year. Thank you everyone for sharing your experiences and knowledge!

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Andre Dupont

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Welcome to the community! Your situation sounds so familiar - I think many of us came into this process with misconceptions about how financial aid works. The distinction between need-based and merit-based aid really should be taught in high school guidance counseling! I'm glad you found the discussion about changed circumstances helpful. Definitely document your husband's reduced hours thoroughly when you contact the financial aid offices. Even though it won't show on this year's taxes, schools can often make adjustments based on current financial reality. The professional judgment process can be really valuable in situations like yours. Best of luck navigating this with your son!

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