If, like me, you have a college-bound high-school senior in your family, you’ve likely been on the receiving end of yet another colossal screw-up by our federal government: the overhaul of the Free Application for Federal Student Aid, commonly known as the FAFSA. Every year, students (or more commonly their parents) need to fill out the FAFSA with information about their income, assets, and expenses in order to qualify for federal student aid. Many colleges require the FAFSA before awarding other forms of need-based aid, and some require it to be filed even by people without need before they can qualify for scholarship aid. There’s a more detailed and onerous form, the CSS, operated by the College Board and required by some schools. Filling these out is like doing your taxes, only more so. Typically, the forms are available in October, and schools may set filing deadlines in the fall so that they can deliver financial-aid awards at or near the time they send out acceptances.