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UPDATE: Just spoke to someone at FSA (finally!) who confirmed they ARE processing in order of submission date. They said applications from mid-January are being processed this week. She also mentioned that verification requests are causing additional delays for some applications, so if yours gets selected for verification, it might take longer.
let him live on campus its SO WORTH IT!!!! my kid tried commuting from home for first semester to save $ and it was awful, he missed out on making friends and felt disconnected. when he moved to dorms second semester his whole college experience improved! your only a few minutes away which is perfect - close enough if he needs something but far enough for independence lol
To directly answer your questions: 1. Regarding the SAI of -1235: This qualifies your son for significant federal aid, likely including the full Pell Grant (currently $7,395 for 2025-2026). A negative SAI indicates high financial need. 2. For the New Century Skills scholarship: You need to verify two things: - Whether your state's program allows funds to be used for non-tuition expenses - Whether the community college has any policies about "scholarship stacking" 3. For using financial aid for housing: Federal aid (including Pell Grants) can absolutely be used for any component of the official cost of attendance, including housing. Since his tuition is covered by the band scholarship, his Pell Grant can go directly to housing, books, etc. One important note: Make sure your son completes the housing application ASAP. Many community colleges have limited on-campus housing that fills quickly. Don't wait for the financial aid package to be finalized before securing his spot in the dorms.
my roomate had both types of loans and said the biggest benefit was when she lost her job after graduation, she could put her federal loan on hold but had to keep paying the private one even tho she had no income. thats why i took all the federal loans i could get even tho some of my private options had slightly better rates
One final point to consider: if your daughter takes the federal loan first and then the private loan for the remainder, she'll end up with approximately 25% of her debt having federal protections. That's significantly better than 0%. Even this partial protection could be valuable in the future, especially since we can't predict economic conditions or personal circumstances years down the road.
You've all convinced me! She'll take the federal loan first and then use the private loan for the rest. Having some portion protected seems like the smart approach, and the administrative aspect of managing two loans doesn't seem that burdensome compared to the benefits. Thank you all for your helpful insights!
ok but why are they making us use 2022 tax info for the 2025-2026 year anyway?? thats like 3 years old by then! my husbands income changed A LOT since 2022! this is so stupid, the whole system is broken
You're absolutely right that 2022 tax information might not reflect your current financial situation. The good news is that if your family's income has changed significantly since 2022, you can request a financial aid appeal (sometimes called a "professional judgment" or "special circumstances review") directly with your school's financial aid office after you receive your initial aid offer. Be prepared to provide documentation of the income changes.
UPDATE: Just got the email that my FAFSA has been fully processed and my SAI calculation is complete! It took 6 days total from submission to completion. The email says my data was successfully retrieved from the IRS and my information has been sent to the schools I selected. Thanks everyone for your help and advice. For anyone else experiencing this, it seems the new system does work - it just takes some patience!
Carmen Diaz
Update: Got my full aid package today! Even with fixing my dumb mistake, I still got processed faster than last year. My SAI is about $3,500 lower than last year too (which is good!), probably because my husband had some unpaid leave. Just posting to give everyone hope that the 2025-2026 FAFSA really IS working better than before!
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Andre Laurent
•congrats! still waiting on mine... been 2 weeks now 😫
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Carmen Diaz
•Hang in there! Hopefully you'll hear soon. Double-check all your info if you haven't already! Those tiny mistakes can really slow things down.
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Amara Oluwaseyi
I'm actually having a similar issue but with my date of birth. The system keeps rejecting it saying there's a mismatch with SSA records, but I'm 100% certain I'm entering my correct birthdate. Has anyone dealt with this specific error? I've tried calling but can't get through to anyone.
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Mei Zhang
•You might need to contact the Social Security Administration directly to check what birthdate they have on file for you. Sometimes there are clerical errors in their system. I had a friend with this exact issue and it turned out her birth year was recorded wrong by the hospital!
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