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Amara Eze

Will FAFSA ever return to splitting family contribution between multiple college students?

I've been stressing about our family's financial situation with three kids going to college soon. Our oldest starts in 2025, and then our twins will be freshmen in 2026. Under the old FAFSA system, I remember family contribution was divided among kids in college, but I heard that changed with the new FAFSA formula. Is there ANY hope they'll bring back that multiple-student division for the SAI calculation? Or are we just stuck paying the full family contribution amount for EACH child? My husband and I make decent money but not enough to handle three full-price tuition bills at once. Any advice for families with multiple college students close together in age? We're trying to plan ahead but feeling overwhelmed.

Unfortunately, you're right about the change. The 2024-2025 FAFSA eliminated the student multiplier that used to reduce your Expected Family Contribution when you had multiple students in college. As of now, there's no official indication that the Department of Education plans to bring back this adjustment in future FAFSA cycles. For the 2025-2026 and 2026-2027 FAFSA years (when your children will be entering), you should plan based on the current SAI (Student Aid Index) methodology, which calculates your contribution without the reduction for multiple students.

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Amara Eze

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That's exactly what I was afraid of. It seems so unfair to families with twins or kids close together in age! Did they give any reason for this change? It's not like we magically have more money just because we have more kids in college at once.

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Same boat! We've got triplets starting 2026 and it's like the system is punishing us for having multiple kids the same age. How are normal families supposed to afford this??

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Amara Eze

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Exactly! It feels like they've completely overlooked how financially devastating this can be. Are you looking at any specific strategies to manage the cost?

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Dylan Wright

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Financial aid professional here. While the multiple student adjustment was removed from the federal formula, you should know that many private colleges still consider multiple enrolled students in their institutional methodology when awarding their own aid. When your twins start college, make sure to: 1. Contact the financial aid offices at each school and specifically ask about their institutional policy for multiple enrolled siblings 2. Fill out the CSS Profile (in addition to FAFSA) if the schools require it, as this form allows for more nuanced financial situations 3. Submit a special circumstances appeal letter to each financial aid office explaining your multiple-student situation 4. Consider staggering enrollment if feasible (gap year for one twin) Many schools will make adjustments to their own aid packages even though the federal methodology doesn't.

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Amara Eze

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Thank you so much for this detailed advice! I hadn't thought about the CSS Profile or special circumstances appeals. Do you have any sense of how successful these appeals typically are? And should we wait until after receiving initial aid offers to submit the appeal letters?

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Sofia Torres

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You might want to look into independent scholarships specifically for twins/multiples too. My friend's twins got some decent scholarship money through organizations that specifically support families with multiple kids in college at once. Every bit helps!

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The whole FAFSA system is BROKEN!!! I've been fighting with them for months about our verification. Three kids in college and they expect us to pay $30k PER KID??? How is this even legal? The system is designed to force families into crushing debt. It's disgusting.

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I actually think there's some advocacy efforts to bring back the multiple student adjustment. I was listening to a financial aid podcast where they mentioned several education policy groups pushing Congress to restore this in future FAFSA updates. It might be worth contacting your representatives to voice your concerns - if enough families speak up, there's a chance for policy change before your twins start in 2026.

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Ava Rodriguez

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My cousin went through this last year with her kids and she said getting through to actual humans at Federal Student Aid was key to getting better aid packages. She kept getting disconnected or waiting for hours until she used Claimyr.com to get through to FAFSA agents quickly. She showed me a video demo (https://youtu.be/TbC8dZQWYNQ) of how it works - basically gets you past the hold times so you can actually talk to someone who can help with your specific situation. Once she got through, she was able to get clarification on how to properly document their multiple-student household for maximum aid.

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Does this actually work? I've literally spent HOURS on hold with FAFSA only to get disconnected right when someone finally picks up.

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Ava Rodriguez

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Yeah it worked for my cousin. She said it saved her sanity during the whole process. The FAFSA agent she talked to ended up explaining some options she didn't even know existed for families with multiple students.

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Another strategy worth considering: have your oldest child look into colleges that offer merit scholarships based on academics rather than just need-based aid. Then when the twins start in 2026, focus on maximizing need-based aid for them. Some families find a mix of college types (private with good institutional aid for some kids, in-state public for others) helps spread the financial burden.

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Amara Eze

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That's really smart. Our oldest has strong grades and test scores, so merit aid might be a good option there. I hadn't thought about mixing college types strategically like that. Thank you!

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Sofia Torres

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dont forget to apply for parent plus loans too my sister has twins in college and she said that helped alot with the cash flow even though it doesnt solve the underlying problem

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Amara Eze

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Thank you all for the helpful suggestions! I'm going to start researching merit scholarships for our oldest and looking into colleges with strong institutional aid policies for the twins. I'll also reach out to our representatives about bringing back the multiple student adjustment. This community has been so helpful - much less stressful than trying to navigate all this on our own!

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Yuki Sato

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I'm in a similar situation with two kids starting college next year, and I've been researching this extensively. One thing I discovered is that some states have their own grant programs that DO still consider multiple students in college when calculating aid. For example, California's Cal Grant and Pennsylvania's state grants still factor in siblings. It's worth checking if your state has similar programs that haven't adopted the federal changes yet. Also, I attended a financial aid webinar last month where they mentioned that the College Board (which administers CSS Profile) has been lobbying to restore the sibling discount in federal aid - apparently they have data showing it's created significant access issues for middle-income families. While there's no guarantee, there seems to be growing recognition that this change was harmful to families like ours.

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AstroAce

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I'm a financial aid consultant and wanted to add a few resources that might help families in your situation. First, check out the website "PayingForCollege.com" - they have a calculator that helps you estimate how different schools might actually treat multiple students even without the federal adjustment. Also, many states have started their own programs to help families affected by the FAFSA changes - for example, New Jersey launched a supplemental grant program specifically for families with multiple college students. One strategy I recommend is to have your oldest apply to a mix of schools including some that are known for "professional judgment" flexibility - schools like Occidental College, Connecticut College, and many Jesuit institutions have reputations for working with families on unique circumstances. When your twins apply in 2026, you can reference the aid packages and approaches that worked best for your oldest. Also, don't forget about 529 plan strategies - if you have multiple 529 accounts, you can potentially shift funds between beneficiaries to optimize aid calculations. And consider looking into schools with guaranteed merit aid based on GPA/test scores - these awards aren't affected by the FAFSA changes and can provide predictable funding. The system is definitely more challenging now, but with strategic planning and early relationship-building with financial aid offices, many families are still finding workable solutions.

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Dylan Baskin

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This is incredibly helpful information, thank you! The PayingForCollege.com calculator sounds like exactly what I need to start comparing how different schools might actually treat our situation. I had no idea that some states were creating their own programs to help families affected by the FAFSA changes - that gives me hope that there might be solutions emerging at the state level even if federal policy hasn't caught up yet. Your suggestion about using our oldest's experience to inform the twins' applications is really smart strategic thinking. And I completely overlooked 529 plan optimization strategies - that's definitely something I need to research further since we do have separate accounts. The guaranteed merit aid angle is appealing too since it provides that predictability you mentioned. Thank you for sharing such specific, actionable resources - it's exactly the kind of professional insight that helps turn this overwhelming situation into a manageable planning process!

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