COLLEGE FUNDING & STUDENT LOAN FORGIVENESS SPECIALISTS
Pre and Post College Funding Advice for Parents and Graduates


Student Aid Index
Find out what the Government and Colleges think you can afford and what aid you can expect.

College Cashflow Strategies
Get a College strategy that you can afford.

Student Loan Education
Find out about student loans and how best to use them.

Loan Forgiveness Strategies
Get a strategy that maximizes your student loan forgiveness and minimizes your payments.
What We Do
Using your personal financial data we provide you with a report that shows your cashflow over all four College years and includes…
- College entrance and scholarship details
- Borrowing requirements analysis
- College affordability rating
- 4 Year Payment Schedule


Understand if and how to use Student Loans to fund the gap in College costs. Get a strategy, optimized for you, to minimize that cost and maximize forgiveness.
We specialize in LARGE Federal Student Loan debt forgiveness! Overwhelmed and need a strategy to maximize forgiveness and minimize payments, then talk to us!

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HOW IT WORKS
What People Are Saying
COLLEGE AID PRO ™
We use the #1 rated College Funding Planning software to find colleges that will give you the most free money and will compare your family’s out of pocket costs for each college.
CERTIFIED STUDENT LOAN PROFESSIONAL ®
The CSLP® program is the leading professional training program and the only specialty designation for financial professionals focused on optimizing student loan payment and forgiveness.
College Funding & Student Loan Forgiveness Specialists
We find your student the maximum aid or scholarships to minimize the cost of college.
We maximize LARGE Federal Student Loan Debt Forgiveness and minimize your payments.
FAQ
College Planning
Is College Worth It?
According to a report from the Institute for Higher Education Policy, an impressive 83% of schools, serving 93% of undergraduates, deliver a Return on Investment (ROI) within just 10 years. This means that within a decade, students not only recover the cost of their college degree but also surpass the earnings they would have with only a high school diploma.
In straightforward terms, college graduates earn approximately twice as much as those without a college education. Beyond the financial aspect, college graduates experience lower unemployment rates and often enjoy enhanced benefits such as better health insurance and retirement plans. The investment in a college education goes beyond the classroom, significantly impacting both career and quality of life.
Understanding Your SAI Numbers and Payments
Navigating the Student Aid Index (SAI) can be perplexing, but demystifying it is key to understanding your financial responsibility. Your SAI is determined by the financial information provided in your FAFSA, considering factors like parental and child’s income, assets, and chosen schools. It represents the government’s estimate of what a family can contribute to college costs, influencing the financial aid your child receives.
It’s crucial to note that there are two SAI calculations: Federal Methodology (FM) and Institutional Methodology (IM). FM assesses eligibility for most colleges and governmental aid, while IM is specific to a college’s own financial aid criteria. Your college choice significantly influences your final SAI number, emphasizing the importance of a good college fit.
Your out-of-pocket expenses hinge on the school you attend, as aid eligibility is a combination of your SAI and the school’s cost. Different schools will be impacted differently based on their attendance costs.
The positive aspect is that you can influence your SAI. Early planning allows you to make financial adjustments, strategically optimizing your SAI and maximizing potential aid. Take control of your financial journey by starting early and making informed decisions.
How do middle class families pay for college?
Paying for college often involves a combination of resources, and middle-class families employ various strategies to make it work. Many tap into savings accumulated in 529 plans, utilize benefits from permanent life insurance policies, and leverage investments and income.
While these avenues contribute, they may not cover the entirety of college costs. That’s where financial aid steps in. Families explore aid options from federal and state governments, colleges, and private organizations. Assistance often takes the form of student and parent plus loans, which are repayable. On the brighter side, grants, scholarships, and work-study programs provide financial support without the obligation of repayment.
Financial aid generally falls into two categories: need-based and merit-based. Merit-based aid is often awarded to students in the top quartile of applicants, recognizing their outstanding achievements. Navigating these financial avenues ensures that middle-class families can access the support they need to make higher education a reality for their students.
Should I Really Pay For College Planning Advice?
Ever felt like you’re navigating uncharted waters, especially when it comes to college planning? It’s quite common – you don’t know what you don’t know, and sometimes, you only realize it when you’re knee-deep in the process. Picture it like this: just as you see the value in seeking professional help for your taxes to maximize every penny and employ strategies to minimize what you owe, shouldn’t you apply the same mindset to your college planning and funding?
Considering the current record-high college costs, and with projections indicating a continued rise, optimizing your investment in education becomes more crucial than ever. Let us help you make the most of your resources and navigate the college planning journey with confidence!
Student Loan forgiveness
Why charge for the first meeting?
We can almost always provide you with enough information to enable you to implement a strategy on your own.
If you want us to help you with the implementation we will reduce our fee by the cost of the 1st meeting.
Can you Save me Money?
Usually but not always.
If your student loan debt is less that your income then we can only save you money if your work for a Government (Federal, State or Local) or a 501(3)(c) non profit entity.
If your student loan debt is greater that your income then we can almost always devise a strategy so that some of your student loans are forgiven and lower your monthly payments in the process.
Can you help with Parent PLUS student loans?
Usually! For a short period of time there is a loophole that allows Parent PLUS loans, once Consolidated, to
Should I Really Pay for Student Loan Advice?
Ever felt like you’re sailing into uncharted waters, especially when it comes to navigating student loan repayment and forgiveness? It’s a common sentiment – often, you only realize the complexities when you’re knee-deep in the process. Think of it this way: just as you recognize the value of seeking professional help for taxes to maximize returns and minimize what you owe, adopting a similar mindset for optimizing your student loan repayment is equally beneficial.
Consider this: buying a house typically marks the largest financial transaction, and college comes in as the second. With student loan debt at record highs and changes to the FAFSA signaling a growing need for student loans, doesn’t it make sense to prioritize optimizing your student loan strategy? Let us assist you in making the most of your resources, ensuring you navigate the student loan repayment journey with confidence!