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UPDATE: We finally got it working! It turned out to be something incredibly small - on my daughter's application I had entered my name as "Elizabeth A. Smith" but on my son's I just put "Elizabeth Smith" without the middle initial. Can't believe such a tiny difference caused so much trouble! For anyone else having this issue, check EVERY character you enter, including periods and spaces. The system is extremely picky about exact matches. My husband was able to create his FSA ID using the email that received the invitation, and that worked smoothly once we knew what to do. Thank you everyone for your help!
Just FYI - save all your login info and screenshots! My kid's FAFSA randomly reset last week and we had to redo the parent part again. The new system has so many glitches this year.
lol everyone thinks FAFSA is bad until they deal with state grant systems 😂 I've filed FAFSA for 3 years and PA grants for 2 and the state stuff is ALWAYS worse
UPDATE: We finally got it resolved! My daughter had to miss her morning biology lab, but we did the three-way call approach that someone suggested here. It worked perfectly - she verified her identity, then they let me handle the technical details of resetting the 2FA. For anyone facing this in the future: they need the student to verify with their full SSN, date of birth, AND the exact amount of the last state grant they received (to the cent). Once that was done, they let me take over. Thank you all for the help and suggestions!
Great news! I'm so glad you got it resolved. And thank you for sharing the specific verification details they required - that will surely help others who run into this problem in the future.
Just thought of something! If youre low income you might qualify for free tax prep help through VITA and they can also help with FAFSA questions. My friend used them last year and they were super helpful with understanding how her child support should be reported on FAFSA.
Following up on retirement contributions - yes, your retirement contributions can affect the SAI calculation. For the 2025-2026 FAFSA, voluntary retirement contributions are reported as untaxed income, which can increase your SAI (potentially reducing aid eligibility). However, mandatory contributions to employer retirement plans are not counted. One more important note: Since your son is a continuing student at SDSU, make sure to also check if he needs to complete the CSS Profile in addition to the FAFSA. Some California institutions require both for institutional aid, though SDSU typically only requires FAFSA for most aid programs.
Thank you so much for explaining about retirement contributions! I have both mandatory and voluntary contributions, so I'll need to separate those. And I appreciate the heads-up about CSS Profile - I'll check with SDSU about whether we need that too.
Not entirely accurate. The FAFSA still considers certain assets, but they've raised the Asset Protection Allowance and simplified which assets are counted. For most middle-income families, bank accounts no longer factor in. However, larger investments, additional properties, and business assets are still considered if they exceed certain thresholds. The formula now places more emphasis on income than liquid assets for most applicants.
Aisha Hussain
Just to clarify something important: The new Student Aid Index (SAI) calculation will likely change after you correct the dependency status. Independent students generally qualify for more aid than dependent students (unless the parents have very low income). So be prepared that your daughter's aid eligibility might decrease after correction. It's still important to submit accurate information though - incorrect FAFSA data can lead to verification headaches later.
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Mateo Martinez
That's a good point - thank you. We have relatively low income so hopefully the change won't be too dramatic. I just want to make sure we do everything correctly.
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