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Callum Savage

Will my daughter qualify for Pell Grant with 10484 SAI score on FAFSA?

My daughter's SAI is 10484 could someone lmk if she gets any help from the FASFA grant thank you in advance for any help first timer here

Ally Tailer

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That SAI (Student Aid Index) is right on the borderline for Pell Grant eligibility. For the 2025-2026 aid year, generally students with an SAI below 7500 get the maximum Pell, and those up to around 9600-10800 get partial Pell Grants. Your daughter might qualify for a small Pell Grant, but it depends on the school's cost of attendance and other factors too. Has she received her financial aid package from any schools yet?

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Callum Savage

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No not yet she applied to 5 schools and we're still waiting on all of them. So your saying she might get some help but not the full amount? How much would the partial be approximately

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My son had an SAI of 11000 last year and he got like $900 in Pell for the whole year. Your daughter will probably get something similar, maybe $700-$1000 I'm guessing. The financial aid office will explain everything when they send her award letter.

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Callum Savage

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Thanks for sharing that, gives me a better idea of what to expect. Not a huge amount but anything helps at this point

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Just to clear up some confusion - the grant referenced here is specifically called the Federal Pell Grant (not FASFA grant). FAFSA is just the application form you fill out to qualify for various types of aid including Pell Grants, work-study, and federal loans.

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Cass Green

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With an SAI of 10484, your daughter is likely to receive a partial Pell Grant. For the 2025-2026 award year, the maximum Pell Grant is $7,395, but with that SAI, she might receive around $1,000-$1,500 depending on exact calculations. Besides Pell Grants, she'll probably qualify for: - Federal Direct Student Loans (at least $5,500 for freshmen) - Possibly Work-Study opportunities - State grants depending on your location - Institution-specific scholarships The financial aid package will vary significantly between schools. Private colleges often offer more institutional aid to offset their higher costs.

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Callum Savage

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Thank you for breaking that down! I didn't realize there were so many different types of aid. Do all these automatically get offered or do we need to apply for some separately?

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Cass Green

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Most federal aid (Pell, loans, work-study) will be offered automatically through your FAFSA results. State grants usually come through the same process, but some states have separate applications. For institutional scholarships, each college has different processes - some are automatic, others require separate applications with deadlines. I'd recommend checking each school's financial aid website or calling their financial aid office directly to make sure you're not missing any opportunities!

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Am I the only one who thinks it's RIDICULOUS how the government expects families to contribute over $10,000 a year?!?! That's almost $1000 a month!! Who has that kind of money lying around??? The whole SAI system is BROKEN. They take one snapshot of your finances without understanding your actual situation. My son's SAI was similar and we got practically nothing despite having other bills and a second child in college. The system is DESIGNED to push students into taking loans!!

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Madison Tipne

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I feel you! Our EFC (the old version before SAI) was calculated at $12k and I nearly fell out of my chair. Like where do they think this money is coming from??? We ended up having to take out Parent PLUS loans to cover what they thought we could pay out of pocket. The formula really doesn't account for real life expenses.

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Callum Savage

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I was worried about this too...I don't have $10K just sitting around for college. Do most people end up taking loans to cover the SAI amount?

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I've been calling the Federal Student Aid office every day trying to get clarification on my daughter's SAI calculation, and after hours of waiting I finally got through using Claimyr. It lets you skip the phone wait by having them call you when an agent is ready. Saved me literally hours of holding. They have a video showing how it works at https://youtu.be/TbC8dZQWYNQ and their website is claimyr.com. The agent helped me understand exactly how the SAI was calculated and what additional documentation I could provide to potentially get it adjusted. Definitely worth it to get a human on the phone who can actually explain everything properly.

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Callum Savage

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Oh that sounds helpful, I might try that. I have questions about the SAI calculation too since I'm not sure if they factored in my recent job change. Did you find they were able to explain everything clearly?

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Yes, the agent was really helpful - explained exactly which income figures they used and which assets were counted. In my case, they hadn't properly accounted for some medical expenses we had documented. If your job situation changed after you filed the FAFSA, you should definitely call and ask about a professional judgment review based on change in income. Many people don't realize you can request these adjustments.

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heyy my SAI was 9800 and i got about $1700 in pell grant plus some work study so urs will prob be similar or a little less. dont forget to check if ur state has grants too, some states give u money based on ur pell eligibility. my school also gave me a $3000 grant that i didnt have to apply for separate they just added it in. your daughters schools might do the same thing 🙂

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Callum Savage

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That's great to know! I didn't think about state grants at all. We're in Illinois if anyone knows what might be available here?

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Ally Tailer

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For Illinois residents, your daughter should be automatically considered for the MAP (Monetary Award Program) Grant when she filed her FAFSA. It can provide up to $7,200 per year depending on financial need and which Illinois school she attends. With your SAI, she would likely qualify for at least partial MAP funding. The awards are given on a first-come, first-served basis, so it matters when you submitted your FAFSA. Also, don't forget that the final financial aid package will vary significantly between schools. A private college with a high sticker price might actually end up being more affordable than a public university if they offer generous institutional aid.

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Callum Savage

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Thank you! I wish the FAFSA process explained all this better. We did file pretty early (October) so hopefully that helps with the MAP grant. I'm glad I asked here because I'm learning so much more than the official information provided

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ya the MAP grant is great! i got almost the full amount and it covered a big chunk of my tuition at ISU. def wait to see all ur aid packages before deciding on schools bc sometimes the more expensive schools end up cheaper after all the aid is factored in!

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dont stress too much about the SAI number itself, wait till you see the actual aid packages. My daughter's SAI was 14000 which was depressing but she still got decent aid at most of her schools. One school gave her a $20k merit scholarship which made it cheaper than our in-state public university!

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Callum Savage

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That's encouraging to hear! Did your daughter have to apply separately for the merit scholarships or were they automatically considered?

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Some schools did it automatically based on her application, others had separate forms. Each school is different. Make sure to check all emails from the schools carefully because sometimes they send scholarship info separately from regular admissions stuff and it can get missed

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Cass Green

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One important thing to understand is that the Pell Grant eligibility uses a sliding scale. With an SAI of 10484: 1. Maximum Pell Grant (2025-2026): $7,395 - typically for SAI of 0 2. Partial Pell Grant: Gradually reduces as SAI increases 3. Minimum Pell Grant: Around $750-$1000 for SAI near the cutoff 4. Cutoff: Generally around 9600-11000 depending on the year Since your daughter's SAI is in that upper range, she'll likely receive a smaller Pell Grant, but should still qualify. Remember, Pell Grants are just one component of the full financial aid package. Also, don't forget that her aid eligibility can change next year if your financial situation changes, so you'll want to submit the FAFSA every year.

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Callum Savage

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Thank you for explaining how the sliding scale works! That makes more sense now. Do you know if scholarships she gets from outside organizations will affect her Pell Grant amount?

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Cass Green

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Great question! Outside scholarships generally don't affect Pell Grant eligibility (because Pell is based on your SAI from the FAFSA). However, some schools might reduce their institutional aid if you receive outside scholarships. Each school has different policies on this - some will reduce loans first (good!), others might reduce their grants (not ideal). It's worth asking each financial aid office specifically: "How do you handle outside scholarships in the financial aid package?

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Madison Tipne

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my sister had almost the same SAI last year an she got like $1200 in pell. her school also gave her some grant money that covered almost half of tuition so def wait for the full packages before worrying too much

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Callum Savage

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Thanks for sharing that! After reading everyone's comments I'm feeling more hopeful. I'll definitely wait to see what each school offers before making any decisions.

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Rita Jacobs

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As a newcomer to this process, I'm finding this thread incredibly helpful! My daughter is in a similar situation with her SAI, and I had no idea there were so many different types of aid beyond just the Pell Grant. Reading about the MAP grant for Illinois residents and how different schools might offer varying amounts of institutional aid is really eye-opening. It sounds like the key takeaway is to wait for all the financial aid packages before making any decisions, since the final cost can vary so much between schools. Thanks everyone for sharing your experiences - it's making this whole process feel less overwhelming!

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Vince Eh

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Welcome to the community! I'm also new to this whole process and feeling the same way - everyone here has been so helpful in explaining things that aren't clear in the official FAFSA materials. It's reassuring to know we're not the only ones trying to figure all this out. The advice about waiting for all the aid packages really seems to be the consensus here. Good luck to your daughter!

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