Education
What is SAI (Student Aid Index)?
Definition
The Student Aid Index replaced the Expected Family Contribution on the FAFSA. It is a formula-derived number — potentially as low as -$1,500 — that colleges use to measure financial need. Lower SAI means more federal need-based aid.
Real-World Example
A family of four with $65,000 adjusted gross income sees an SAI near $2,000. That figure lets the student qualify for a partial Pell Grant and subsidized loans.
Why It Matters
Because SAI can be negative, more students than under the old EFC formula now qualify for the maximum Pell Grant.
Frequently Asked Questions
Can my SAI go up mid-year?
Only if you file an updated FAFSA with new information. Colleges may also adjust via professional judgment.