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When we first got our son's financial aid package, I was so confused because they included $15,000 in Parent PLUS loans as part of the "aid" package! That's not aid - that's DEBT! We decided to only let him accept the direct student loans ($5,500) and grants. We're cash-flowing the rest by selling our second car, taking on extra consulting work, and having him live at home to commute. It's not ideal but I refuse to take on debt at 52 years old that I'll be paying off in retirement. Has anyone successfully appealed their SAI calculation? We had some unusual medical expenses last year that weren't reflected in our tax return.
Yes, medical expenses can definitely be grounds for an SAI appeal! You'll need to submit what's called a Professional Judgment Request (different schools might call it different things) with documentation of your medical expenses. If those expenses exceeded 11% of your Adjusted Gross Income, you have a strong case for an adjustment. I successfully appealed my daughter's SAI last year when my ex-spouse's alimony payments ended, which was a significant change to my income that wasn't reflected in the tax returns FAFSA used. They reduced our SAI by about 20% after the appeal.
Wow, congratulations on that aid package! $87k in savings is absolutely life-changing. I totally understand the mixed feelings though - being grateful but also frustrated that we have to feel grateful for "only" paying six figures for education. We're in the thick of this process too with our twin daughters who are high school seniors. After running the FAFSA estimator, I'm already having panic attacks about potentially paying for two kids at once. Even with aid, we're looking at potentially $60k+ per year combined if they both go to our state university. Quick question - did your daughter's merit scholarships come directly from the university or were they external scholarships she applied for separately? We're trying to figure out our scholarship strategy and wondering if we should focus more on school-specific awards or cast a wider net with outside scholarships. The fact that your daughter's grandparents paid $2,500/year in the 70s really puts this in perspective. Even adjusting for inflation, that would be maybe $15k today - still WAY less than current costs. Something is seriously broken when education costs have outpaced inflation by this much.
To answer your question about processing time - corrections typically take 3-5 business days to generate a new SAI, which should work with your 3-week deadline. But definitely contact your school tomorrow as others have suggested. And yes, it's absolutely better to correct it now than face potential consequences later. If you're found to have incorrect information during verification or an audit, you could lose aid eligibility, have to repay funds, or even face penalties in severe cases. Being proactive about corrections shows good faith and responsibility.
Thanks everyone for your help! I just called my financial aid office and they were super understanding. They're sending me a special income correction form and told me to make the FAFSA correction online too. They said as long as everything is submitted within 2 weeks, I'll still be considered for all aid programs. Such a relief!
That's awesome news! It sounds like your financial aid office is really helpful. For future reference, many schools have these special correction forms because they know FAFSA mistakes happen all the time - especially with mid-year income changes like promotions or job switches. The fact that they're giving you 2 weeks buffer beyond their normal deadline shows they understand these situations. Make sure to keep copies of everything you submit, including the correction form and any supporting documentation about your dad's promotion. Good luck with everything!
That's such great advice about keeping copies of everything! I'm definitely learning that documentation is key with financial aid stuff. It's also really reassuring to hear that income changes happen frequently - I was feeling like I was the only one who messed up their FAFSA. Thanks for sharing that insight about schools having these correction forms ready to go. It makes me feel more confident about the whole process!
Update: Rutgers just notified us they received the FAFSA data too! So it looks like things are definitely moving now. Thanks everyone for the helpful advice! I'm feeling much more confident about the timeline now.
Congratulations on getting the notifications from both Montclair and Rutgers! That's great news that things are moving along. I'm still waiting to hear from any of my daughter's schools - we submitted about 2.5 weeks ago. It's reassuring to see that the system is actually working, even if it feels slow. Did you notice any pattern in which schools got your info first, or does it really seem random like others mentioned?
As someone who went through a similar process, I'd strongly recommend your friend connect with local immigrant advocacy organizations in Florida - they often have specialized knowledge about navigating these systems that even financial aid offices don't have. Organizations like the Florida Immigrant Coalition sometimes offer workshops specifically on FAFSA for new citizens. Also, she should look into whether any community colleges near her offer bridge programs for internationally-trained healthcare professionals. These are often cheaper than university programs and specifically designed to help foreign-trained doctors transition to US practice. Many of these programs qualify for federal aid since they lead to certificates that are required for licensing. One last tip: if she's considering taking the USMLE exams, some test prep programs are eligible for federal aid if they're offered through accredited institutions. It's worth asking about when she speaks with schools!
This is incredibly helpful advice! I hadn't even thought about immigrant advocacy organizations - that's such a smart suggestion. She's in the Tampa area so I'll help her look up what resources are available there. The bridge program idea is especially interesting since those might be more affordable and targeted to her exact situation. Thanks for taking the time to share all these specific tips - I'm definitely going to pass all of this along to her!
Just wanted to add something that might help your friend - when she does get her citizenship finalized, she should also look into state-specific financial aid programs in Florida. The state has its own grant programs like Florida Student Assistance Grant (FSAG) and Bright Futures that she might qualify for as a new resident/citizen, even if federal Pell Grant eligibility gets complicated due to her foreign degree. Also, many medical schools and healthcare institutions in Florida have their own scholarship funds specifically for students from underrepresented backgrounds or those pursuing healthcare careers. Since she's already a trained physician, she might be viewed favorably for these programs. I'd suggest she reach out directly to admissions/financial aid offices at places like University of Florida College of Medicine or Florida International University - they often know about funding sources that aren't widely advertised. The key is to cast a wide net beyond just federal aid. There are often multiple funding sources available that can be combined to make her educational goals more affordable!
Caleb Bell
have u checked ur spam folder? sounds dumb but my calgrant emails ALWAYS go to spam lol might be worth checking
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Harper Collins
•Just checked and nothing there sadly. But thanks for the suggestion! I'll keep an eye on my spam folder going forward.
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Dmitry Ivanov
I'm going through the exact same thing right now! My CalGrant has been stuck at GPA verification for over a month and I'm getting really anxious about my tuition payment deadline. Reading through these comments is actually really helpful - I had no idea about emergency loans or that this was such a widespread issue this year. I'm definitely going to call my school's financial aid office tomorrow to ask about short-term assistance while we wait for these CalGrants to finally process. It's frustrating that we're all dealing with this but at least we're not alone!
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Carmen Diaz
•You're definitely not alone in this! I'm also dealing with the same CalGrant delay and it's such a relief to see that so many people are experiencing this. The advice about emergency loans from the financial aid office seems like a lifesaver - I'm planning to ask about that too. Hopefully we'll all see our CalGrants update soon, but at least now I know there are options to help bridge the gap while we wait!
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