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my daughters school is doing a FAFSA workshop for parents in October might want to see if your sons school does something similar? it was really helpful for us last time with all the confusing stuff about reporting assets and income
Just wanted to add one more thing that helped us - create a checklist or spreadsheet now to track all the different schools your son is considering and their specific financial aid requirements and deadlines. Some schools require additional forms like CSS Profile, institutional aid applications, or scholarship applications with earlier deadlines than the FAFSA. Having everything organized in one place made the whole process much less stressful when crunch time came. Also, don't forget to check if any schools he's interested in participate in state grant programs - those often have their own deadlines and requirements too!
My cousin had this problem and her college financial aid office actually helped her fix it. Have you tried going directly to your school? Sometimes they have direct lines to FSA that work better than the public numbers.
I just went through this exact same nightmare last month! The key is persistence and timing. I had success calling at 7:55 AM EST (5 minutes before they officially open) - somehow got through faster that way. When you do get connected, ask to speak with a "FAFSA Data Correction Specialist" specifically - regular customer service reps can't always make SSN changes. Also, make sure you have your FSA ID login info ready because they'll need to verify your account while you're on the phone. They fixed mine in about 15 minutes once I reached the right person. Don't give up - your financial aid is too important! The system is frustrating but it IS fixable. One more tip: if you get disconnected, call back immediately. Sometimes they can see you were just on a call and prioritize reconnecting you.
This is incredibly helpful! I never thought about calling a few minutes before they officially open - that's such a smart strategy. I'm definitely going to try asking for a "FAFSA Data Correction Specialist" specifically since I've probably been talking to the wrong department this whole time. Thanks for the tip about having FSA ID info ready too - I would have definitely fumbled around looking for that during the call. Your advice gives me hope that this is actually solvable!
Hi there! I'm a financial aid counselor at a university (not yours obviously lol). Let me clarify a couple things: 1) Yes, you can borrow up to the Cost of Attendance minus other aid, so $16k sounds correct 2) HOWEVER, sometimes the COA used for calculating aid eligibility is different from what's published on websites. For example, if your daughter has a scholarship that covers books, her COA for loan purposes might be reduced 3) Parent Plus loans do have that origination fee, so if you need exactly $16k to hit her account, you'd need to borrow about $16,700 to account for the fee 4) The FSA is SLAMMED right now because of the FAFSA delays this year, so getting through on the phone is nearly impossible My advice: Submit the Parent Plus request for the amount you need plus a bit extra for the origination fee, then follow up with your specific school's financial aid office by email with any questions.
Thank you so much for such clear information! She doesn't have any scholarships that cover specific expenses, just a small merit scholarship that goes toward tuition. I'll adjust the amount to account for that origination fee - that's really helpful to know. Do you have any idea how long it typically takes for the loan to process and disburse once approved?
Happy to help! Once you complete the Parent Plus application and MPN (Master Promissory Note), the school typically certifies the loan within a few days to a week. After certification, the funds usually disburse at the beginning of the term. However, if you're asking now and the term is about to start, many schools have a priority processing deadline that may have passed. I'd recommend applying ASAP and then emailing the school's financial aid office with your student's ID number to let them know you've completed the Parent Plus application and need funds for the upcoming term.
Just wanted to add one more thing that might help - if you're worried about borrowing too much, you can always request a partial cancellation of the Parent Plus loan before it disburses! I did this last year when my daughter got an unexpected scholarship after I'd already been approved for the full amount. You just need to contact the financial aid office in writing before the disbursement date. It's much easier to reduce the loan amount before disbursement than to return funds after they've been sent to your account. Also, some schools allow you to set up payment plans for part of the balance, so you might not need to borrow the full $16k if you can pay a portion out of pocket over the semester.
To clarify for those asking about consistency in aid packages: Federal aid (Pell Grants, subsidized loans) is fairly consistent based on your SAI. But institutional aid (grants from the college itself) varies DRAMATICALLY between schools. Some schools have billion-dollar endowments and can offer generous grants, while others have limited financial aid budgets. With a $1,500 SAI, your friend's daughter will get consistent federal aid anywhere, but the institutional grants could range from nothing to potentially covering the entire remaining gap. This is why comparing financial aid packages and potentially negotiating with the financial aid office is so important.
Thank you for this explanation! I think I've been making the mistake of assuming all schools would be somewhat similar in their approach. This makes me realize we should be prepared for anything when the package arrives and not assume the gap will automatically be filled. I appreciate everyone's help - I feel much more prepared to support her through this process now!
This is such a heartwarming situation - you're an amazing friend for helping her through this process! With that low SAI, she's in a great position for need-based aid. One thing I haven't seen mentioned yet is to make sure she's also looking into private scholarships from local organizations, her high school guidance office, and scholarship search engines like Fastweb. Even smaller $500-1000 scholarships can add up and help bridge any remaining gap. Also, once she gets her aid package, don't be afraid to ask the financial aid office about payment plans - many schools offer interest-free monthly payment options that can make even a remaining balance more manageable for families. The fact that she got into her dream school with a merit scholarship already shows she's an exceptional student, so I'm optimistic the aid package will work out!
You're absolutely right about looking into private scholarships! I hadn't even thought about those yet. Do you know if there are any deadlines we should be aware of for local scholarships? I'm worried we might have missed some opportunities already since it's almost the end of March. Also, the payment plan idea is really smart - even if there's still a gap of a few thousand dollars, spreading it over monthly payments would make it much more doable for her mom. Thanks for the encouragement too - we're both so excited but trying to stay realistic until we see the full picture!
Dylan Wright
As someone who just went through this process with my twin daughters last month, I can confirm what others have said - there's no central tracking system to see which schools have downloaded your FAFSA data. What I found most helpful was creating a spreadsheet with all the schools, their financial aid office contact info, and tracking when I contacted each one. I sent brief emails to all 8 schools (we cast a wide net!) asking for confirmation of FAFSA receipt, and most responded within 2-3 days. The ones that didn't respond to email, I called. It's extra work but gave me peace of mind, especially since we're dealing with such important deadlines and scholarship opportunities.
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Kaiya Rivera
•That spreadsheet idea is brilliant! I'm definitely going to set that up tonight. Having everything organized in one place will make it so much easier to track which schools have responded and which ones I still need to follow up with. Thanks for sharing what worked for you - it's reassuring to hear from someone who just went through this successfully with multiple kids!
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Alfredo Lugo
I'm going through this exact same situation right now with my son's FAFSA! Reading through all these responses has been so helpful. I think I'm going to combine a few of the strategies mentioned here - I'll check his Student Aid Index to confirm processing is complete, then send emails to all the schools on his list asking for confirmation of receipt. The spreadsheet idea from Dylan is perfect for keeping track of everything. It's honestly ridiculous that there isn't a built-in tracking system for something this critical, but at least now I have a game plan. Thanks everyone for sharing your experiences and tips!
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Emma Wilson
•I'm in the exact same boat! Just submitted my daughter's FAFSA a few weeks ago and was feeling so lost about how to track everything. This thread has been a lifesaver - I had no idea about checking the Student Aid Index or that I could email schools directly for confirmation. The spreadsheet approach makes so much sense too. It's crazy that we have to create our own tracking systems for something this important, but I'm grateful for all the practical advice here. Definitely going to start reaching out to her schools tomorrow!
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