FAFSA

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Congratulations on your full-ride scholarship, Andre! That's such an amazing achievement! 🎉 I'm new to this community, but after reading through all these incredibly helpful responses, I wanted to add my voice to what seems to be a unanimous chorus - definitely file the FAFSA! The real-world experiences everyone has shared here are honestly eye-opening. What really stands out to me is how many people discovered that their "full ride" scholarships had unexpected gaps - from technology fees and health insurance to parking permits and lab costs. The stories about registration holds and missed opportunities for additional funding are particularly concerning. It sounds like even if you never need the financial aid itself, having FAFSA completed is like having an insurance policy that keeps multiple doors open. The additional benefits people mentioned - work-study opportunities, study abroad funding, research fellowships, and state grants that can stack on top of scholarships - those all sound like incredible opportunities that would be terrible to miss out on just because you didn't complete one form. Given that everyone here is saying it only takes about an hour to complete and the potential consequences of NOT filing seem pretty significant, it really does seem like a no-brainer. Better to spend that hour now than potentially face thousands in unexpected costs or miss out on amazing opportunities later! Thanks to everyone who shared their experiences - this thread has been incredibly educational for those of us navigating this process! 🙏

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Hi Edward! Thanks for such a comprehensive summary of this thread - you really captured all the key points perfectly! As someone who was initially unsure about whether to file FAFSA with my full-ride scholarship, this entire discussion has been incredibly valuable. The consistency of everyone's advice is really striking, and all the real-world examples of surprise costs and missed opportunities have completely convinced me. Your "insurance policy" analogy is spot on - spending an hour now to potentially save thousands later and keep all those doors open for work-study, study abroad, and research opportunities just makes so much sense. I'm really grateful for communities like this where people share their actual experiences rather than just theoretical advice. This has been way more helpful than what I got from my college counselor! Definitely filing before the deadline now! 🙏

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Congratulations on your full-ride scholarship, Andre! That's absolutely incredible! 🎉 As someone new to this community, I've been reading through all these responses and I'm honestly amazed at how consistent everyone's advice is - literally every single person is saying to file the FAFSA regardless of your scholarship status. The real-world experiences people have shared here are incredibly eye-opening! What really strikes me is how many "full ride" scholarships apparently don't cover everything - all these stories about surprise fees, technology charges, health insurance costs, and other unexpected expenses that can add up to thousands of dollars. The emergency situations people mentioned (like scholarship holds or GPA issues) really show why having FAFSA as a backup is so important. Plus, all the additional opportunities that require FAFSA completion - work-study programs, study abroad funding, research fellowships, state grants that can stack with your scholarship - those sound like exactly the kinds of experiences that make college amazing beyond just getting a degree. Given that everyone says it only takes about an hour to complete and the potential benefits (or consequences of NOT filing) seem so significant based on all these real experiences, it really does seem like a no-brainer. The "insurance policy" analogy several people used is perfect - better to have it and not need it! Thanks to everyone who shared their stories here - this has been so much more helpful than generic advice. Definitely file before that deadline! 🙏

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Hi Anastasia! You've done such a great job summarizing this entire thread - it really is remarkable how unanimous everyone's advice has been! As someone who was initially confused about whether to file FAFSA with my full-ride scholarship, this discussion has been absolutely invaluable. The sheer number of real-world examples of surprise costs and missed opportunities that people have shared is honestly both concerning and enlightening. Your point about the "insurance policy" is perfect - after hearing all these stories about registration holds, hidden fees, and amazing opportunities that require FAFSA completion, spending an hour on the application seems like such a small investment for such significant potential benefits. I'm really grateful for communities like this where people share their actual experiences rather than just giving theoretical advice. This has been way more comprehensive and helpful than what I got from my college counselor! I'm definitely convinced now - filing before the deadline is absolutely the right choice. Thanks to everyone who contributed to this thread! 🙏

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Your SAI of 12,485 is actually really encouraging! As everyone has explained, lower is better, and you're definitely in a range where you should receive meaningful financial aid. I wanted to add something I haven't seen mentioned much - when those aid packages start coming in, don't be afraid to contact the financial aid offices directly with questions. I was so intimidated at first, thinking I'd sound clueless, but the financial aid counselors at most schools are genuinely helpful and want to make sure families understand their options. They can often explain school-specific policies or programs that might not be obvious from the written package. Also, keep track of priority deadlines for submitting any additional forms each school requires (like CSS Profile, verification documents, etc.). Missing these can delay or reduce your aid package even if your FAFSA was submitted on time. You're clearly being very thorough in researching this process, which is going to pay off when decision time comes. The fact that you're asking these questions now shows your daughter is going to have a well-informed advocate helping her navigate all the options!

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This is excellent advice about contacting financial aid offices directly! I was definitely feeling intimidated about reaching out to them, thinking I'd sound like I didn't know what I was doing (which... I don't! lol). But you're so right that they're there to help families understand their options. I'm going to make a list of questions to ask each school once we start getting packages back. And thanks for the reminder about priority deadlines for additional forms - I'm already stressed about keeping track of all the different requirements and deadlines for each school. I'm going to create a master calendar with all the important dates so nothing falls through the cracks. It's really encouraging to hear that being thorough and asking questions will pay off in the end. This whole community has been such a lifesaver in helping me feel more confident about advocating for my daughter!

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Amina Sow

Your SAI of 12,485 is actually in a great position for receiving financial aid! I know it seems confusing at first, but you're definitely not out of luck. Lower SAI = better for aid eligibility, so think of it as the government saying your family can contribute about $12,485 per year toward college costs. For that $34k school, you'd have roughly $21,515 in demonstrated financial need that could potentially be covered by grants, scholarships, work-study, or subsidized loans. Every school will put together different packages to help meet that need. Don't forget to also look into your state's financial aid programs and any merit scholarships your daughter might qualify for based on her grades/test scores - these often aren't tied to your FAFSA at all. When comparing aid packages, focus on how much is "free money" (grants/scholarships) versus loans. You're asking all the right questions! The first time through this process is overwhelming for every parent, but you're being thorough and that will definitely pay off when decision time comes.

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Thanks for breaking this down so clearly! It's really helpful to see the actual math - $34k minus $12,485 equals about $21,515 in potential aid. That makes the whole concept click for me way better than all the technical explanations I've been reading online. I'm definitely going to look into our state's aid programs and merit scholarships based on academics. It's so reassuring to hear from someone else that this process is overwhelming for every parent the first time - I was starting to think I was just particularly bad at understanding all this! Your point about focusing on "free money" vs loans when comparing packages is something I'll definitely keep in mind. This community has been amazing for helping me feel more confident about navigating everything!

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Update for everyone: The Department of Education just announced they're working through a backlog of paper FAFSAs from January and February. They're prioritizing electronic submissions and those with approaching school deadlines. This is why I always recommend electronic filing when possible, but for those who submitted paper forms, contacting both your school and FSA directly is your best course of action.

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Thank you for the update! I submitted online last night and it went through fine. Called my school this morning and explained everything - they said they'll note my account with the original paper submission date and will honor the priority deadline as long as my online submission is complete. Such a relief! Next year I'm definitely doing online from the start.

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I'm so glad you got it sorted out! Your experience is exactly why I always tell people to go electronic if at all possible. The paper processing delays have been getting worse each year, and with all the FAFSA changes this cycle, it's been particularly brutal. For anyone else reading this thread who might be in a similar situation - don't wait! Submit online immediately and document everything. Most schools are understanding about these processing delays if you communicate proactively with their financial aid office. And definitely keep that postal receipt if you mailed a paper form - it's your proof of when you actually submitted!

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This whole thread has been so helpful! I'm a first-time FAFSA applicant and was considering doing the paper form because the online system seemed intimidating, but after reading everyone's experiences I'm definitely going electronic. It's scary how long those paper forms can take - 6-8 weeks when you have tight deadlines is just too risky. Thanks everyone for sharing your stories and advice!

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Here's an UPDATE on my similar situation: Paper form took 5 weeks to process (ugh!) but we finally got the SAI calculation yesterday. It's definitely slower than doing it all online, but it DOES eventually work. Make sure you follow up regularly though - nothing happens quickly without persistence!

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5 weeks is so long! Did you do anything special to follow up that seemed to help speed things along?

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I called the school weekly and also had my daughter check her FAFSA portal daily for status changes. The squeaky wheel gets the grease with these bureaucracies! Also check your mail daily - they sent important notices through regular mail rather than email for some reason.

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I'm dealing with a very similar situation right now! My son submitted his portion online three weeks ago, but I had to mail my parent section due to constant "system unavailable" errors. I've been checking the status daily and it still shows "processing parent information." Reading through these comments is both reassuring (that it's a common issue) and terrifying (the processing times!). I'm definitely going to call his school's financial aid office tomorrow morning and also try that Claimyr service someone mentioned. Has anyone had luck getting updates by calling the school versus calling FSA directly? It sounds like the schools might be more helpful.

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Update: I finally got through to someone at FAFSA (after taking the advice about using Claimyr - it actually worked!) and they confirmed our application is just waiting on IRS verification. They said they can't expedite it, but I also called my son's school and they were super understanding. They said they'll make a note on his file that the FAFSA was submitted before their priority deadline and will hold his aid package. Apparently they're seeing this with tons of students this year. Such a relief! Thanks everyone for your help!

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Great news! This is exactly why communication with the school is so important. Most financial aid offices are being very accommodating this year given the widespread verification delays. Glad to hear they're holding his place for aid consideration!

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That's awesome news! So glad the school is being understanding about it.

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This is such great news to hear! I'm a parent who went through something similar last year with my older daughter's FAFSA. The key thing you did right was being proactive and contacting the school directly - so many families just wait and hope the FAFSA will magically fix itself. For anyone else reading this thread who's in a similar situation: don't underestimate how understanding financial aid offices can be when you communicate early. They're dealing with these verification delays constantly this year and most have internal processes to handle them. The worst thing you can do is stay silent and miss deadlines without reaching out. Fingers crossed your son's verification processes quickly now! And thanks for updating us - it's really helpful for other families dealing with the same issue.

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This whole thread has been so helpful! I'm a newcomer here dealing with the exact same issue - my daughter's FAFSA has been stuck in IRS verification for 3 weeks now. Reading everyone's experiences and advice gives me hope that we can get through this. I'm definitely going to call her school tomorrow and explain the situation rather than just waiting it out. Thanks to everyone who shared their stories and solutions!

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