Updated for the 2026–27 FAFSA Cycle (January 9, 2026)
Enter your SAI from your FAFSA Submission Summary to check Pell Cliff + rule flags.
FAFSA Shock Diagnostic
What this calculator checks (2026–27): Enter your SAI from your FAFSA Submission Summary to see whether you’re in a safer zone, near the Pell cutoff, or in a high-risk zone — plus quick flags to double-check for business/farm assets and foreign income. Estimate only, confirm using your official FAFSA Summary and your school’s financial aid office.
2026–27 FAFSA & Pell Cliff: Common Questions
What is the “Pell Cliff” for 2026–27?
It’s a hard cutoff where some students may receive $0 Pell once SAI crosses a specific threshold. This tool flags whether you’re near that line.
Why is my SAI so much higher than expected?
Common reasons include income changes, asset reporting differences, household details, and rule updates that change Pell eligibility math. This diagnostic shows the most common 2026–27 flags.
If my SAI is above $14,790, is Pell always $0?
Often yes under the “cliff” rule, but exceptions can exist depending on your situation. Use your official FAFSA summary to confirm.
Are small business or family farm assets counted on FAFSA?
It depends on the FAFSA year and how the rules define exclusions. This tool includes a quick “business/farm flag” so you know what to double-check.
Does foreign earned income affect Pell eligibility?
Some FAFSA rules can add certain foreign income amounts back into income for eligibility checks. This tool flags that situation so you can verify on your official summary.
What can I do if the result looks wrong or my situation changed?
Ask your school about a Professional Judgment review (job loss, medical bills, divorce, disaster, etc.). Use the email template on this page.