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I was in your exact situation last year and spent HOURS stressing about this!!!! My son's aid actually DID change but it went UP not down after they processed all his documents. I think once it's on the official portal it's pretty solid unless they audit you or something. BUT BUT BUT make sure to check if they're expecting you to take out loans as part of the "aid package" because some schools are SUPER SNEAKY and count loans as part of their generous "financial aid" which is totally misleading!!!!
As someone new to this whole process, this thread has been incredibly helpful! I'm just starting to navigate financial aid for my daughter who's a junior in high school. A few questions for the group: Should we be submitting CSS Profile in the fall even before we know which schools she'll apply to? Also, I keep seeing mentions of "gift aid" vs loans in packages - is there a standard way schools break this down, or do I need to dig through each offer carefully to separate the actual grants from the loans? Thanks for all the detailed responses above - definitely bookmarking this thread!
Your SAI of 2906 is actually really good news! As someone who just went through this process last year, I can tell you that with your family income and that SAI, you're likely looking at getting a substantial Pell Grant (probably around $4,000-5,000), plus you'll qualify for subsidized federal loans where the government pays the interest while you're in school. The key thing to remember is that your SAI isn't what you'll pay - it's what colleges use to calculate how much aid you need. So if your school costs $20,000 total and your SAI is $2,906, your "financial need" would be around $17,094, and the school will try to meet that with grants, loans, and work-study. Keep trying to reach your financial aid office, but also check if they have online chat or email options. Many schools are swamped right now but are pretty responsive to emails. You're in a much better position than you think!
This is such a helpful explanation! I really appreciate you breaking down the math with a real example - that makes it so much clearer how the SAI actually gets used in calculating aid. The idea that my "financial need" would be around $17,000 if the school costs $20,000 is really reassuring. I've been worried that I'd somehow have to come up with way more money than my family can afford. I'll definitely try emailing the financial aid office - seems like that might be more effective than playing phone tag with them right now. Thanks for taking the time to explain this!
Just wanted to add one more resource that might help while you're waiting to hear back from your school's financial aid office! The Federal Student Aid website has a really useful aid estimator tool where you can plug in your SAI and get a rough idea of what federal aid you might qualify for. It won't tell you about institutional or state aid, but it can give you a baseline. Also, since you mentioned being a first-gen student - many colleges have special programs and additional support for first-gen students that can include extra grants or scholarships. When you do connect with your financial aid office, definitely mention that you're first-generation. Some schools have separate funding pools specifically for students like us! With your SAI of 2906, you're honestly in a really good position. I know the waiting and uncertainty is stressful, but try not to worry too much. The system is designed to help students in your situation afford college!
Thank you so much for all these additional resources! I had no idea about the Federal Student Aid estimator tool - that sounds really helpful for getting a ballpark figure while I wait. And I definitely didn't know that being first-gen could qualify me for additional funding opportunities. That's such valuable information! I'll make sure to mention that when I finally connect with my financial aid office. It's really encouraging to hear from other first-gen students who've successfully navigated this process. All of these responses have honestly made me feel so much better about my situation. I went from panicking about that 2906 number to actually feeling hopeful about my prospects for aid!
For everyone in this thread - one crucial thing to remember is to regularly save your progress as you complete the FAFSA. The system has been known to time out unexpectedly, and there's nothing worse than losing an hour of work. Also, your son will need his Social Security Number, driver's license (if he has one), and access to his email/phone while creating his FSA ID. The verification process is more stringent with the new system. Lastly, watch out for the asset questions in your contributor section. They've changed how they ask about investments, and many parents report accidentally including retirement accounts that should be excluded.
Just wanted to add my experience as someone who went through this process last month with two kids! The order everyone mentioned is spot on - students first, then parent FSA ID, then applications. One thing I wish someone had told me: when your kids add you as a contributor, you'll get separate email notifications for each child's FAFSA. Don't panic thinking you missed something if you only see one at first - they don't always come at the same time. Also, make sure you have your bank statements handy when you do the contributor section. The new system asks for current account balances (as of the day you're filling it out), not just what was on your tax return. This caught me off guard since the old FAFSA didn't ask for this level of detail about liquid assets. Good luck! The system definitely has its quirks but once you get through the first one, the second child's FAFSA will feel much more manageable.
This is so reassuring to hear from someone who just went through it! I had no idea about the bank statement requirement - that's definitely something I need to prepare for. The separate email notifications tip is really helpful too since I was already worried about missing something important. Thanks for sharing your real experience with the process!
Just wanted to add - make sure to fill out the CSS Profile too if any of your schools require it! Some schools use both FAFSA and CSS Profile to determine institutional aid, and you might qualify for more money through that route even with your SAI score.
Hey Pedro! I'm in a similar situation - my SAI came out to 10,896 and I was panicking too. After reading through all these responses, I feel a lot better about the whole thing. One thing I'd add is to also look into community college for your first two years if money is really tight. I know it's not the "traditional" college experience, but you can knock out your general eds for way less money and then transfer to a state school. My older brother did this and saved like $15k total. Plus a lot of Florida community colleges have guaranteed transfer agreements with the state universities. Just another option to consider if the numbers don't work out at your first choice schools!
That's actually a really smart strategy, Ravi! I hadn't seriously considered the community college route before, but you're right about the savings. Do you know if the credits transfer pretty seamlessly to the state universities? I'm worried about losing time if some classes don't count toward my major requirements.
Jackie Martinez
My nephew just went thru this last week! his fafsa got rejected cause apparently they miscalculated somethin with his moms income? took like 9 days to fix but then it was all good. the school told him to just chill and they would work with him on deadlines since its not his fault. maybe ask ur daughters school if they can extend the housing deposit deadline?
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Aileen Rodriguez
•That's a good idea about asking for an extension on the housing deposit. I'll definitely bring that up when I talk to them tomorrow. 9 days doesn't sound too terrible - hopefully ours gets fixed in a similar timeframe.
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Samantha Hall
I'm going through the exact same thing right now! My son's FAFSA was rejected last week with zero explanation, and when I finally got through to someone at Federal Student Aid after waiting 2.5 hours, they just said "technical processing error" and that it would be "reprocessed soon." No timeline, no specifics. It's so frustrating because we completed everything correctly and on time, but now we're stuck waiting while other families are getting their aid packages and making decisions. The college financial aid office has been helpful though - they said they're seeing this with about 25% of applications and are trying to work with families on preliminary estimates. Definitely call your daughter's school ASAP to see what they can do while you wait for the reprocessing!
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