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im so confused about all this FAFSA stuff... so are they changing the rules for next year or for this year or both?? and whats the difference between EFC and SAI anyway?? sorry if thats a dumb question lol
Not a dumb question at all! The EFC (Expected Family Contribution) is being renamed to SAI (Student Aid Index) as part of the FAFSA Simplification Act. For 2023-2024 aid year, they're still using the EFC formula for determining your aid, even though they might call it SAI in some communications. For the 2024-2025 aid year (which many people have already applied for), they're fully implementing the new SAI formula, which calculates financial need differently. The changes include different income protection allowances, handling of multiple students in college differently, and changes to how certain assets are counted. These emails people are getting about 2023-2024 are just them running their new system on old data, which unfortunately triggers automated notifications.
This has been happening to me too! I've gotten 4 of these emails in the past few days and was starting to panic thinking something was wrong with my financial aid. Thank you everyone for the explanations - it's so reassuring to know this is just a system-wide issue and not something I need to worry about. I did check my SAR like others suggested and nothing changed, so I'm going to stop stressing about it. Really wish the Department of Education would just send out a mass email explaining what's happening instead of leaving thousands of students confused and worried!
Update: We found the problem! My daughter went back through the application and discovered she accidentally marked 'yes' to the question about being in legal guardianship. She was confused by the wording. We've submitted the correction and now I can see the parent portion is available for me to complete. Thank you everyone for your help!
Glad you were able to resolve this! This is such a common issue - the FAFSA dependency questions really need clearer wording. For anyone else reading this thread who might face similar issues, it's worth double-checking all the dependency questions before submitting. Even one misclick can completely change your aid eligibility. The legal guardianship question in particular seems to trip up a lot of students. Best of luck with the rest of your financial aid process!
For anyone else reading this thread later - I found that if you try to update any SSN issues, do it during non-peak hours (like very early morning). The system seems to work better then. Also, triple-check all dates of birth against official documents. And start the process EARLY! Don't wait until deadlines are close like I did.
This is such a common issue this year! I'm a newcomer here but dealing with the exact same SSN display problem. What really helped me was contacting my daughter's college financial aid office directly - they were able to flag our application as having technical issues and gave us an extension on priority deadlines. They said they're processing a lot of these cases manually while the Department of Education works on the system bugs. Don't panic about the deadlines - most schools are being very understanding about FAFSA technical problems this cycle. Document everything and keep trying!
my sisters at kennesaw!!! they totaly do this every year, its super annoying. the loans will show up eventually but if ur really worried u can go to the financial aid office in person, they actually super helpful there!!!!
Don't stress too much about this! As someone who went through the exact same thing with my son at a Georgia school, this is totally normal timing. Most Georgia universities process aid in waves - state aid first (like your daughter's HOPE), then institutional scholarships, and federal aid comes last. Since you mentioned her acceptance was a bit late, that could definitely explain the delay. Federal loans almost always show up eventually, especially since your FAFSA was filed properly in January. If you're still not seeing anything by mid-July, that's when I'd start making calls. But honestly, with an August payment deadline, you've got plenty of time for everything to process normally.
Christopher Morgan
I'm so sorry you're going through this nightmare. Reading through all these responses, it's clear you're not alone but that doesn't make it any less frustrating. Based on what everyone has shared, I'd suggest tackling this on multiple fronts simultaneously: 1) Use that Claimyr service to actually get through to Mohela, 2) File complaints with both the FSA Ombudsman and CFPB about the interest rate issue, and 3) Contact your congressional representative's office for help navigating the bureaucracy. The fact that your loan doubled despite 12 years of payments is absolutely unacceptable and suggests serious errors in how your account has been managed. Don't give up - you have more options than you realize, and there are people (like the financial aid advisors in this thread) who genuinely want to help you get this resolved.
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Sean O'Brien
•Thank you so much for summarizing all the great advice in this thread! It's really helpful to have a clear action plan. I'm feeling more hopeful after reading everyone's responses - it's good to know there are actual steps I can take and that others have successfully resolved similar issues. I'm going to start with the Claimyr service tomorrow morning and file the complaints this weekend. Really appreciate this community for having my back when I felt completely lost in the system.
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McKenzie Shade
I've been following this thread closely and wanted to add one more resource that might help. If you're still having trouble getting through to Mohela even with the queue services, try calling their "vulnerable borrower" line if you qualify (it's for borrowers experiencing financial hardship). The wait times are often shorter and the representatives tend to be more experienced with complex account issues. Also, when you do get through, immediately ask to speak with a "loan resolution specialist" rather than general customer service - they have more authority to investigate payment application errors and can put holds on your account while issues are being resolved. Document everything with dates, times, and rep names. Your situation sounds like it involves multiple systemic errors that should absolutely be fixable once you get the right person looking at your account.
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