Will FAFSA re-offer student loans after scholarship loss for 2024-2025?

You'll need to contact the financial aid office directly to request a financial aid reconsideration. This isn't automatic - when circumstances change like losing a scholarship, you need to submit what's called a "Professional Judgment Request" or "Special Circumstances Form" explaining the change in financial situation. Bring documentation of the scholarship loss. They'll reevaluate her aid package including loan eligibility for the 2024-25 year based on this new information.

same thing happend to my son last yr. the finaid office wouldnt just automatically give back the loans they took away. we had to go beg for them lol

The exact same thing happened to me as a student!! I lost my merit scholarship after sophomore year (my GPA dropped below their minimum) and they didn't automatically give me loans to replace it. I had to physically go to the financial aid office FOUR TIMES before they finally processed my loan request. The worst part was trying to get through to anyone on the phone - literally impossible. I ended up having to skip work to sit in their office until someone would help me. It was a nightmare!! DON'T WAIT until August to start this process!!

When your daughter's financial circumstances changed (losing the scholarship), the school's financial aid office needs to be notified ASAP to conduct a review. This isn't automatically triggered in their system. You need to submit a Professional Judgment Review request with documentation of the scholarship loss. Make sure to specifically request federal loan consideration in your request. Different schools call this form different things - Special Circumstances Form, Financial Aid Appeal, etc. Contact her specific school for their exact process. Most importantly, GET THIS DONE NOW! Loan processing can take 3-4 weeks minimum once approved.

I work at a university financial aid office, and I can tell you this is one of our most common situations. You need to complete a "Change in Circumstances" form specifically indicating the scholarship loss. Different schools have different names for this form, but they all have some process for it. Bring documentation showing the scholarship won't be renewed. You should also ask about payment deferment options while this is being processed - most schools will give you an extension if you have pending financial aid. And make sure your daughter has completed her 2024-2025 FAFSA - loans can't be offered without that on file.

didnt your daughter get an email or letter from finaid explaining why she didnt get loans? usually theres instructions in there about what to do if circumstances change. also make sure shes not in SAP probation (satisfactory academic progress) cuz that can mess with loans too!

Similar situation with my daughter last year. After trying for WEEKS to reach someone in financial aid about reinstating loans after losing her scholarship, I almost lost my mind. The phone lines were constantly busy, voicemails never returned. I finally used Claimyr.com to get through to her financial aid office - it basically holds your place in the phone queue. Saved me hours of redial hell. They have a video that shows how it works: https://youtu.be/TbC8dZQWYNQ After finally talking to someone, they processed her loan request in just a few days. Don't wait until August when everyone is calling!

One important thing I forgot to mention - if your daughter was originally denied Direct Subsidized/Unsubsidized loans because of the scholarship (not because of hitting her annual/aggregate limits), then yes, she should be eligible to receive them now. But nothing happens automatically in the financial aid world! She needs to specifically request loan consideration in her appeal/review request. Be prepared for the possibility that she might need a Parent PLUS loan to cover the full amount, depending on her year in school and the cost of attendance.

THIS SYSTEM IS SO BROKEN!! Why should students have to jump through 500 hoops just to get the loans they QUALIFY FOR?? My blood pressure goes up just thinking about my experience with this exact situation. The financial aid office acts like they're doing you a favor by processing your loans. IT'S LITERALLY THEIR JOB!!! Sorry for the rant but seriously - be prepared to be very persistent and don't take no for an answer.

One more thing - since we're already in July, ask specifically about their emergency loan programs too. Many schools offer short-term emergency loans to bridge the gap while federal aid is processing. This could help cover initial expenses until the federal loans come through. Also, double-check that your daughter doesn't have any holds on her account (library fines, parking tickets, etc.) as these can delay financial aid processing.