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It is a fact that a college education is expensive, very expensive. Even at lower-priced, state-supported colleges a four-year degree can still cost in excess of $50,000. College tuition and fees continue to increase at an alarming rate. These increases have made "paying for college" practically impossible.
In a recent survey conducted by the American Council on Education it was found that financing their children’s college education is one of the top five concerns facing American parents today. Although parents generally have good intentions, there are many unforeseen circumstances along the way that prevent them from saving a sufficient amount of money to pay for their children’s college education.
With today’s economy, and the inflation we have experienced over the past twenty years, this problem is far more evident now than it ever has been in the past. It most often takes two incomes just to meet the family’s budget. Unfortunately, after paying the family’s monthly expenses, there is usually not much left over for the student’s college education.
Fortunately, you do have options!
The FAFSA is a financial aid application administered by the Federal government, and is required from all students seeking financial aid for college. The window to complete the FAFSA opens October 1st each year. The FAFSA is an annual event after the initial completion in October of the student’s high school senior year that must be completed every year through graduate school.
When you complete your FAFSA form you have to attest under penalty of perjury that it is correct. More than half of the FAFSA applications are not correct and it costs families millions of dollars every year.
Before filling out a FAFSA form make sure you understand what is a countable asset and what is not. An easy example is that you owe $10,000 on your credit card and you have $15,000 in a checking or savings account. All of that $15,000 is an asset but nobody (except you) cares about the $10,000 credit card. Pay off that credit card and your expected family contribution (EFC) will go down.
There are literally hundreds of things that can be done to lower the expected family contribution. If you're not an expert, you need to talk to one!
The Odds are Against you
Over 50% of the kids who start college do not get their degree. The biggest reason students drop out is lack of funding. The second reason is changing schools and the third is changing majors.
If you think about it, whathappens when you change schools or change majors? It costs more money, right?
So really a lot of it ends up falling back to the lack of funding. Right now, according to the Department of Education, the average student takes 5 ½ years to get their bachelor degree.
We Can Help. Families who work with with College Funding Solutions, have an 85% graduation rate. In fact, for last year our graduation rate was 86%. If the only thing I could do for you was to give your student an 86% chance of getting their degree, versus 48%, whatwould that be worth?
The kids in our program graduate on average in four and a half years versus the national average of 5 ½ years. So, again, if the only thing I was able to do for you and your family was getting your child in and out of school a year quicker, what would that be worth to you?
Effective college planning is a highly sequential process. With the ever increasing costs related to a college education, more and more families are seeking help from professional educational consultants. With the rapid expansion of the college planning market, there has been a significant increase in the number of so-called "college planners," particularly in the financial services industry.
Families who are seeking college planning assistance want the peace of mind that comes from dealing with an individual who is truly concerned about the student and their educational goals, and who is knowledgeable about the inner-workings of the overall college planning process.
The Certified College Advisor (CCA) designation is awarded to individuals who have completed extensive training that encompasses all aspects of the college planning spectrum, including; career planning, college selection, scholarship opportunities, admissions, FAFSA, EFC, SAR, CSS/Profile, award letter evaluation, etc.
Al Mendelsohn has taken the requisite classes and passed the demanding test to proudly have the honor of being named a Certified College Advisor.
The US Department of Education does not certify college advisors. The use of a college financial advisor does not guarantee a student’s college enrollment or funding eligibility. The success of your student is our first concern but we will never violate the law or our code of ethics to get your student into college or get money for which he or she is not lawfully entitled.
Certified College Advisors have all satisfied the required CCA credentials and successfully completed all related training requirements. College Funding Solutions, Inc ("CFS") does not endorse the individual financial services that a CCA may offer. Furthermore, CFS is not responsible for, and may not be held liable for, any financial products and/or services provided and/or offered by the CCA as they relate to college planning or otherwise. CFS does NOT provide legal, tax, or investment advice. CFS is NOT an investment firm. CFS DOES NOT represent and/or endorse an investment firm. CFS DOES NOT make investment suggestions or lend investment advice. Please consult with your tax accountant or investment professional before making decisions, investments, changes, and/or adjustments.