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oh I forgot to mention! for some of the bigger scholarships theres multiple rounds, so the deadlines might seem far away but theyre actually for the FINAL round. like the coca-cola scholarship has regional deadlines way before the main one everyone knows about. double check everything!!
Welcome to the scholarship journey! As someone who just went through this process with my oldest, I wanted to add a few more tips. First, don't overlook your state's specific scholarship programs - many states have really generous merit-based aid that people forget about. Also, since your daughter is in TRIO/Upward Bound, check if your state has any first-generation college student scholarships - those can be substantial and less competitive than national ones. And here's something I wish I'd known earlier: some employers offer scholarships not just to their employees' kids, but also to kids of their vendors or customers. So think broadly about any organizations you're connected to through work, church, community groups, etc. The smaller, local scholarships often have way fewer applicants than the big national ones, so your daughter's odds are actually better! Good luck - you're asking all the right questions!
Based on your follow-up comments, I think you have more options than you initially realized. With a 3.7 GPA and 27 ACT, your daughter has a good chance at merit scholarships at Western State. Their automatic merit scholarships typically range from $4,000-$8,000 per year for those stats. Regarding your medical expenses: ABSOLUTELY mention those in a special circumstances appeal. Medical expenses over 11% of your income can significantly adjust your SAI calculation. Make sure to document everything thoroughly. At minimum, your daughter should qualify for: - $5,500 in federal loans her first year - Likely around $5,000-$7,000 in merit scholarships - Potentially work-study or campus employment ($3,000-$4,000/year) That could bring the actual out-of-pocket cost down to around $8,000-$10,000 per year, which is much more manageable than the full $24,000.
This breakdown is so helpful! $8-10k per year seems much more manageable - I could probably figure out how to help with that amount. Would it be appropriate to contact Western State's financial aid office now (before she's even applied) to ask about their merit scholarship tiers and special circumstances policies?
Absolutely! Most financial aid offices welcome these types of inquiries from prospective students. They can give you specific information about their institutional scholarships and what documentation they'd want for a special circumstances review. It shows initiative and interest in the school, which never hurts!
I'm in a very similar situation as a newcomer to all this! My son is a junior and I'm already starting to panic about college costs. Reading through all these responses gives me so much hope - I had no idea about federal loans not requiring parent credit scores or that merit aid could bring costs down so significantly. @Mateo Rodriguez - your daughter's stats sound great for merit scholarships! I've been lurking in college financial aid groups and keep seeing that combination of filling out FAFSA + applying for merit aid + documenting special circumstances can really open doors. The medical expense documentation sounds like it could make a real difference in your case. Thank you everyone for sharing your experiences - this thread is incredibly informative for those of us just starting this journey!
Welcome to the group! It's so smart that you're starting to research this early with your son being a junior. I wish I had started planning sooner - I feel like I'm scrambling to catch up now that my daughter is a senior. This thread has been a lifesaver for me too. The community here really knows their stuff and has given me so much practical advice I never would have found on my own. Good luck with your college planning journey!
Follow-up on your question about financial separation: Sharing child expenses doesn't automatically disqualify the separation status, especially for mutual children. What matters more is whether they're maintaining truly separate financial lives (separate banking, separate housing costs, etc.). Document everything carefully: - Separate lease agreements or mortgage documents - Utility bills showing separate addresses - Bank statements showing separate finances - Any informal separation agreement they might have The verification risk is higher when claiming separation without legal documentation, but proper documentation can make the process smoother. Each school's financial aid office has some discretion in these situations.
Just wanted to add from my experience - I went through something similar two years ago. The key thing that helped me was getting a letter from each parent stating their intent for the separation to be permanent, along with documentation of separate households. My financial aid office accepted this even without legal separation papers. The process took about 6 weeks longer than normal, but it worked out. Don't get discouraged if you hit verification - just be prepared with all your documentation upfront. Also, consider reaching out to multiple schools if you're applying to several, as different aid offices can have slightly different interpretations of these situations.
UPDATE: I called CSAC this morning using that service someone mentioned (Claimyr) and got through in about 10 minutes. The rep was super helpful and found the issue right away. Turns out my daughter's birthdate was entered correctly on FAFSA but somehow got flipped from MM/DD/YYYY to DD/MM/YYYY during the transfer to Cal Grant! The representative fixed it on the spot, and we can now see her Cal Grant eligibility in the portal. Thanks everyone for your help and advice!
Great news! This is exactly why speaking directly with a representative is so important for these issues. The date format discrepancy is one of the most common problems we see. Now make sure to have your daughter check her Cal Grant account regularly for any additional document requests or verification needs before the final award is confirmed. Glad you got it resolved!
So glad you got it resolved quickly! This thread has been incredibly helpful - I'm dealing with a similar Cal Grant issue right now where my son's application shows "pending verification" even though our FAFSA was accepted weeks ago. Based on everyone's advice here, I'm definitely going to skip the portal and call CSAC directly tomorrow. It's reassuring to see that most of these issues are just data transfer glitches that can be fixed once you get through to a real person. Thanks for sharing your update - it gives me hope that we can get this sorted out before the deadline too!
Freya Christensen
Quick update for everyone about the May 1st deadline: The Department of Education released guidance to states yesterday recommending flexibility with state aid deadlines due to the FAFSA processing delays. Many states have already announced extended deadlines or special consideration for students with pending corrections or verifications. If your state hasn't made a public announcement, have your student contact their school's financial aid office specifically about state grant eligibility. Many schools have been authorized to use professional judgment for state aid eligibility when FAFSA delays were outside the student's control. And remember, Pell Grants aren't affected by these state deadlines - they follow the federal processing deadlines which extend through the 2024-2025 academic year.
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Emma Thompson
•This is fantastic news! I just checked our state's higher education website and they've updated their policy to provide a 30-day grace period for students with pending FAFSA verifications. Between this and the help from her school's financial aid office, I think we're going to be okay. Thank you all so much for your help!
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Rhett Bowman
I'm so glad to see this thread because I'm dealing with something similar! My son's FAFSA has been stuck in verification since early March, and I was losing sleep over our state deadline too. Reading through everyone's experiences here has been really reassuring. For anyone still struggling with getting through to FSA - I finally got connected yesterday after weeks of trying. The key thing I learned is that if you have any address changes in the past two years (even temporary ones), make sure everything matches EXACTLY between your tax returns, FAFSA, and any other documents. That was causing our verification loop. Also want to echo what others said about contacting your school's financial aid office directly. They've been much more helpful than trying to get through to the federal helpline, and they can see things in their system that we can't see on our end. Don't give up - this year's FAFSA rollout has been rough for everyone, but there are people who want to help!
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