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As a financial aid counselor, I want to add one more important point: If you do need to switch which parent completes the FAFSA, be prepared for questions. Your SAI (Student Aid Index, formerly EFC) will likely change dramatically if you switch from a lower-income parent to a higher-income one, and this can trigger verification flags. The financial aid office may request documentation of your living situation. Be honest and consistent about where you physically resided.
Just wondering - has your son decided where he MIGHT go for community college if he does decide to attend in spring? You should add that school to the FAFSA regardless. We were in this position last year and just added all possible schools, even though our son ended up taking fall semester off.
After reading through the replies, I want to clarify something important - when completing the FAFSA for an undecided student, you should: 1. Complete it by your high school's deadline to ensure graduation eligibility 2. List ALL potential schools (up to 20) that your son might attend 3. Use the IRS Data Retrieval Tool to minimize errors 4. Save a copy of your confirmation page and SAI calculation If he decides to attend in spring 2026, simply contact the school's financial aid office to confirm his FAFSA is on file. If he changed his mind about which school to attend, he can easily add schools to his FAFSA later through studentaid.gov. There's absolutely NO disadvantage to completing the FAFSA now, even if he doesn't attend until spring or not at all.
my dad tried to start mine for me and it was a TOTAL mess because everything was under his name instead of mine and we had to call and get it all cancelled and start over. student HAS to start it!!
One more important detail: If your daughter is applying to any schools that require the CSS Profile in addition to the FAFSA, she should complete that application separately. Unlike the FAFSA, the CSS Profile process is different - she completes one application and includes information about both parents within it. There's no contributor system for CSS Profile.
UPDATE: I just want to clarify something important for everyone in this thread. For federal Parent PLUS loans, you only need to complete one application and one Master Promissory Note per academic year. However, many schools have their own internal processes that require additional confirmation steps for each semester's disbursement. This is why I always recommend contacting your specific institution rather than relying on general advice. Their internal processes might require actions that aren't part of the federal requirements but are still necessary for timely disbursement.
Update from my end: I called the financial aid office this morning and you were right - they said my Parent PLUS loan was approved for the full year, but they needed me to confirm the spring amount through their portal (which they never mentioned before!). Just completed it and they said the anticipated aid should show up on her account within 48 hours. Thank you all for the help!
this is exactly why i took out a home equity loan instead of dealing with parent plus loans every semester!! so much easier even tho the interest is probably higher lol
Jibriel Kohn
this new fafsa is the WORST. why did they have to change everything?? my parents cant even figure out how to link their tax info and now ur saying the birthdate fields dont work either??
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Edison Estevez
•The redesign aimed to simplify the process and expand eligibility, which is good in theory. But the implementation has been rocky. For your parents' tax link issues, make sure they're using the exact name as it appears on their tax return (including any middle initials). Case sensitivity matters too.
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Henry Delgado
UPDATE: I got it working!! Combination of using keyboard navigation, disabling my ad blocker, AND clearing cache. Had to do all three for some reason. Thanks everyone for the suggestions! Now onto fighting with the tax information section...
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Olivia Kay
•yay!! glad u fixed it! good luck with the rest lol
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