College Planning

We are proud to be an affiliate of 123College.com as your source for college financial planning information, education and training. Since 1994, they have developed financial aid need analysis software annually, to ensure accuracy and full compliance with the U.S. Department of Education's complicated financial aid formulas, and have processed thousands of student financial aid applications.

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Next to buying a home, a child's college tuition is probably the largest single expense a family will ever incur. If you're the parent of a college bound high school student, you may be overlooking substantial financial aid opportunities and not even know it.

Not understanding the financial assistance offered today could cost your family thousands of dollars and a better education for your child. You may think your family makes too much money or has too many assets to qualify for any financial assistance, but this is probably not the case.

Billions of dollars in student aid went unclaimed last year. Enough said?

  • Today 4 years of tuition, fees, room and board at a public university average about $60,800 for an in state student, about $106,000 for an public out of state student, and a private university is about $142,000 according to the CollegeBoard website.
  • Statistics show that in 15 years the annual cost of a public university will be $45,000, and a private university will top $80,000.
  • Today 46% of college students will take 5-6 years to graduate.
  • There are 35 million students in the U.S.
  • Several million will enter college this fall.
  • College costs are rising at 3 times the rate of inflation.
  • 92% of students will need financial aid.
  • 100% of parents like you will need financial planning strategies.

Here's what 123College.com does:

  • Analyze your ability to qualify for college funding and to what extent by computing your Expected Family Contribution.
  • Develop "college aid planning" concepts that may lower your out-of-pocket costs by increasing your eligibility for funding.
  • Assume responsibility for the completion of the complicated FAFSA form annually. And at no additional cost, complete such other forms as may be required by individual colleges. We will also file the C.S.S. Profile required by colleges that use the institutional methodology for a one-time fee, plus the registration and college costs charged by the College Board.
  • Provide you with SAT/ACT practice study guide along with software produced by the Kaplan Learning Centers to assit in improving test scores.
  • Provide access to the Discovery computer driven, comprehensive college and career planning program.
  • Provide a "college search" that evaluates colleges you have specified and pinpoints others that offer the curriculum that fits your child's career goal and a variety of other specified criteria, also identifying those schools that historically have offered a combination of high monetary awards and strong educational values.
  • Helps you negotiate with colleges that offer you unexpectedly low funding. We obtain information from you to maximize the awards, evaluate the awards, and contact Financial Aid Officers on your behalf to improve those awards when desirable or necessary, in our judgment, while tracking progress.
  • Review with you the "Student Aid Report" you'll receive from the government for accuracy and help you make any necessary corrections of errors that might otherwise impede funding.
  • Helps you complete all Stafford and Plus loan applications if these are awarded to you as part of the college funding package.
  • Provide you with a toll-free customer service number to call with any questions or any problems you may wish to discuss.

FACT VS. FICTION

Fiction: My income is too high, I won't qualify for financial aid.
Fact: Many middle and upper-middle income families do qualify each year. 

Fiction: My child did not qualify to win a National Merit Scholarship.
Fact: Need based aid is based upon income, assets, number of children, etc., and not on academic achievement. 

Fiction: If my child doesn't qualify for need-based aid, there is no hope.
Fact: There are millions of dollars of merit aid for those with academic, artistic & athletic talent.

Fiction: Having a nice home will prevent me from getting aid.
Fact: The FAFSA form doesn't ask for home equity, but the CSS Profile form does. 

Fiction: College Financial Aid people will help.
Fact: While they can be helpful in some ways, just remember that they are employed by the school whose interests they are hired to protect. Would you want the I.R.S. to do your taxes?

Fiction: It's a simple, easy and fair process.
Fact: Many before you were convinced it's not simple, easy or fair.

We'll guide you through the maze of paperwork... Gain access to some of the billions of dollars in government aid (of which billions went unclaimed last year)... Lower your out-of-pocket costs for college...Choose the right school...

How can I find out if 123College.com can help me?

When you fill out a personal income survey, our team of financial experts can determine the extent 123College.com can help you.

123College.com Subscription
Subscribe to our services and we will manage all your financial aid for the entire term of education to graduation.

123College.com will constantly counsel you on your finances to maximize your student aid entitlement and file all the necessary forms with the government. We will search for scholarships and other free money each semester. Our commitment to you will be one of total service and the best education your money can buy.

 

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