Many families assume that once a student accepts admission to a college, the financial aid offer is final. In most cases, that’s true. Schools often budget tightly and expect students to commit based on the information already provided. But there are exceptions.

Appealing a financial aid award after committing to a school is uncommon, but not impossible.

In some cases, families report success in securing more need-based or merit-based aid even after housing contracts are signed and roommates are assigned. Whether that happens depends on the institution’s policies, remaining funds, and the circumstances behind the request.

The Difference Between Merit And Need-Based Aid

Financial aid generally falls into two categories: merit-based and need-based.

Merit aid is awarded based on academic performance, talents, or other accomplishments. These awards often come from the college’s own budget and are offered as part of the admissions process. Once a student accepts, those offers are rarely changed unless a student submits an appeal before a hard deadline, or a spot opens up after another student declines.

Need-based aid, on the other hand, is determined by the student’s financial need, which is calculated using FAFSA data and other institutional formulas. Federal and some state grant programs don’t technically close until the academic year starts, which means more funding could be awarded later if a student’s financial situation changes significantly.

If a parent loses a job, experiences a death in the family, or faces a natural disaster, students may qualify for more assistance. In those cases, it’s worth filing a financial aid appeal or a “special circumstances” form with the financial aid office, even after committing.

When To Ask For More Aid

May 1 is National Decision Day, and after that date, some schools find themselves with leftover funds. If admitted students decline their offers, that money could become available again. That doesn’t mean schools will redistribute it automatically, but it does open a small window for families to make another request.

If a family was denied more aid earlier in the process, there’s no harm in asking again, especially if the situation has changed. A short, polite email explaining your interest in attending and reiterating your student’s strengths could prompt a second look. Address it to the admissions or financial aid contact listed in the original offer letter.

We recently had a parent share how a simple appeal resulted in an extra $14,000 in merit aid, despite asking after May 1 and after committing to the school. These are exceptions, not the rule, but they do show that persistence can sometimes pay off.

Related: What Happens If You’re Deferred Or Waitlisted During College Admissions

No Guarantees, But No Risk

Families should manage expectations, though. Most colleges will not increase merit aid after a student commits, and many have strict internal deadlines. But the worst that can happen is being told no. If asking is free, and the upside is significant, there’s little downside to trying.

When writing an appeal, be brief and respectful. Explain why your student is a good fit, mention any recent financial hardships if applicable, and express continued interest in the school. Don’t assume the person reading it is the same one who reviewed the original application. Restate what matters.

In the end, schools have limited resources and can’t always support all students. But they also want to enroll students who are committed and enthusiastic. A thoughtful appeal won’t hurt your relationship with the college, and in some cases, it just might help.

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