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Sean Kelly

Will my daughter get more financial aid even with low SAI and existing scholarship?

Just got our temporary SAI score and it's showing as low, but my daughter already received a scholarship offer from one of her top choice colleges. The weird thing is, they made the scholarship offer without having our FAFSA on file yet. She qualified for a small Pell Grant too, but even with both, we're nowhere near covering full tuition costs. I'm completely new to this whole college funding process - if her SAI is low, does that mean she'll likely get more institutional aid once they actually process our FAFSA? Or is what we've seen so far (small Pell + their initial scholarship) probably all we're getting? Really anxious about this because we need to make a decision soon and I don't want her to miss out on potential aid.

Zara Mirza

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imo if she got a pell grant and her SAI is low then yes, she should get more aid when the college gets her FAFSA! My son had similar situation last year and ended up getting extra institutional grants once they processed his complete fin aid package. Did you submit the CSS Profile too? Some schools require both for institutional aid. Make sure u call the financial aid office ASAP and confirm they have everything they need.

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Sean Kelly

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Thanks for this! We didn't submit the CSS Profile - I didn't even know that was a thing. Is that different from the FAFSA? I'll definitely call the financial aid office tomorrow to check.

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Luca Russo

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I work in college financial aid and can clarify some things. A low SAI (Student Aid Index) does typically qualify students for more need-based aid, but it varies greatly by institution. What many families don't realize is that schools offer aid in stages: 1. Merit scholarships (based on academics, usually offered early) 2. Federal aid (Pell Grants, loans) after FAFSA processing 3. Institutional aid (college's own grants) after reviewing complete financial picture The scholarship she already received is likely merit-based and unrelated to financial need. Once the school processes your FAFSA and confirms the low SAI, they will likely offer additional need-based aid if they have it available. Not all schools meet 100% of demonstrated need, though.

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Sean Kelly

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This explanation is SO helpful! So the scholarship she got is probably just based on her grades and test scores? That makes sense. Do you think we need to do anything to make sure they consider her for the additional need-based aid, or will that happen automatically once they process our FAFSA?

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Nia Harris

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I've been through this process 3 times with my kids. Your daughter receiving a scholarship before they had your FAFSA is normal - that's their merit scholarship (based on academics). With a low SAI and Pell eligibility, she will likely receive additional need-based aid, but it varies WIDELY by school. Some schools are very generous with need-based aid, others barely offer any regardless of your SAI. Call the financial aid office and ask these specific questions: 1. Have they received her FAFSA? 2. When will they send her complete financial aid package? 3. Do they require any additional forms (like the CSS Profile)? 4. What is their process for financial aid appeals if the package isn't enough? Don't wait on this - aid packages can take time to process and some schools have limited institutional funding that gets distributed first-come-first-served.

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Sean Kelly

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Thank you for the specific questions to ask! I had no idea some schools have limited funds that can run out. Will definitely call them tomorrow morning.

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GalaxyGazer

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hav u checked on the student aid website yet?? cuz you said "temporary" SAI which makes me think maybe ur looking at a calculation that's not final?? my daughter's changed like three times before it was official lol

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Sean Kelly

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Yeah that's a good point - I'm looking at the number on studentaid.gov but it does say it's a temporary calculation. Maybe it will change?

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Mateo Sanchez

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As someone who went through this total nightmare last year, I'll save you HOURS of frustration. The financial aid offices are IMPOSSIBLE to reach right now - I spent literally 3 weeks trying to get through to my son's college to ask similar questions. I finally used a service called Claimyr to connect with the financial aid office. They helped me skip the wait times and I actually got through to a real person who could help. Their site is claimyr.com and they have a video showing how it works: https://youtu.be/TbC8dZQWYNQ After we actually reached a human, we found out they were missing documents we never knew we needed to submit, and they were able to reevaluate his aid package. Seriously saved us thousands in the end.

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Aisha Mahmood

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wait is that service legit??? seems sketchy that you have to pay to talk to people you should be able to reach anyway??

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Ethan Moore

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Did the college tell you that they didn't have your FAFSA? Or are you just assuming that because they made the scholarship offer? Because sometimes they'll make merit offers before they finish processing all the financial aid. A low SAI should definitely help with more need-based aid, but NOT ALL SCHOOLS MEET FULL NEED!!!!!! This is super important to understand. Even with a $0 SAI, many schools will still leave you with a huge gap between your aid package and the actual cost. Also, has your daughter looked into outside scholarships? My son got almost $8k from local organizations that really helped fill the gap.

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Sean Kelly

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They specifically said they hadn't received her FAFSA yet in the email with the scholarship. Thanks for the reality check about schools not meeting full need - that's really important to know. We've been so focused on the applications that we haven't really looked into outside scholarships yet, but that's a great idea!

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Aisha Mahmood

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its impossible to know without knowing which college lol. some schools give great aid and some are terrible even with identical SAI scores

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Sean Kelly

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It's Southern State University. I've been trying to find information about their typical aid packages but their website isn't very helpful.

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Luca Russo

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Since you mentioned you're new to this process, here's what a "low SAI" actually means: The Student Aid Index replaces the old Expected Family Contribution (EFC) and is a number that colleges use to determine how much financial need you have. A lower number means greater financial need. With a low SAI and Pell Grant eligibility, your daughter would typically qualify for more need-based aid at most institutions. However, each college has a different financial aid budget and philosophy. Some meet 100% of demonstrated need, others might meet only 60-70%. I strongly recommend contacting the financial aid office directly and asking specifically: "With our SAI of [your number], what additional need-based aid might my daughter qualify for beyond the scholarship and Pell Grant already offered?" This direct approach often gets you the most accurate information.

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Sean Kelly

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Thank you for explaining what the SAI actually means! I wasn't sure if low was good or bad. I'll definitely ask that specific question when I call.

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Zara Mirza

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also check if they have a net price calculator on their website! most colleges have them and u can put in ur income info and it gives u a rough estimate of what aid u might get

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Sean Kelly

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Oh that's a great idea! I'll look for that tonight. Thanks!

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