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The Little Known Secrets Of How To Get Maximum Money For College! How To Legally Arrange Your Financial Situation To Pay For College With As Little Out Of Pocket As Possible!
Kevin P. Saia, CFP President  & Owner College Planning of New Jersey Ledgewood, NJ, 07852 (862) 251-4665  [email_address]
Today's High Cost Of College! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
It's Expensive No Matter Where Your Kids Go! ,[object Object],[object Object],[object Object],[object Object],[object Object]
How Is A Family Supposed To Pay For All That? ,[object Object],[object Object],[object Object],[object Object],[object Object]
Financial Aid ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How Much Aid Is Available? There is about   $169 Billion   of Aid  (and tax relief)  available, if you know where to get it!
How Much Aid Is Available? The 2008 Aid Pie (Billions)
How Do They Determine  If I'm Eligible? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Three Kinds Of Families  That Need Proper College Funding ! ,[object Object],[object Object]
Three Kinds Of Families  That Need Proper College Funding ! ,[object Object],[object Object]
Three Kinds Of Families  That Need Proper College Funding ! ,[object Object],[object Object]
Sources Of  Financial Aid!
Where To Get Money! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Where To Get Money! ,[object Object],[object Object],[object Object],[object Object]
Where To Get Money! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Where To Get Money! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How Do You Apply? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How Do You Apply For Aid? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How Do You Apply For Aid? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How Do You Apply For Aid? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Which Colleges Give You The Best Shot At Getting Money?
The Best Shot! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Best Shot! ,[object Object],[object Object],[object Object],[object Object]
The Best Shot! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
JONES FAMILY:  CASE STUDY  Northwestern U. Cost -  $45,163  EFC -  $7,878 Need - $37,285 School A: Meets 100% need. Gift aid - 76% Self help - 24% Kent State U. Cost -  $16,576 EFC -  $7,878 Need -  $8,698 School B: Meets 55% need = $4,784 ($3,914 short!) Gift aid - 33% Self help - 67% What you actually pay at each school: School A : Total EFC =  $ 7,878 Total Gift =  $28,337 Total Self =  $8,948 School B : EFC =  $7,878 + Unmet Need =  $3,914 Total EFC =  $11,792 Total Gift =  $1,770 Total Self =  $3,014
How To Negotiate For The Best Possible Package! You must know your options  to get the best deal!
How To Negotiate For The Best Possible Package! ,[object Object],[object Object],[object Object],[object Object],[object Object]
How To Get More Need-Based  Aid For College!   Depending on Your Particular Situation, You Can Re-Arrange Your Affairs  To Get More Money By Learning  The Legally Established Rules!
Financial Aid Legal "Loopholes" ,[object Object],[object Object],[object Object],Knowing more, gets you more!!
Example of two parents –  one took control! Family A : Family Income:   $95,000 Assets: (Excluding home) $60,000  Home Equity: $50,000 Number in family:   4 Number in school:   1 FC - $26,685 Family B : Family Income:   $95,000 Assets: (Excluding home) $60,000 Home Equity: $50,000 Number in family:   4 Number in school:   1 FC - $9,613 ,[object Object]
You  must   understand  these complicated laws and tax provisions, and  most importantly,  how they impact many areas of college funding. There are many opportunities and pitfalls you have to watch out for!   Educational Laws & Amendments ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],WARNING! Don’t Even Think About Applying For College Funding Until You Fully Understand These Educational Laws & Tax Provisions That Directly Affect Education Costs!
Tax Credits VS. Tax Deductions! ,[object Object],[object Object],[object Object],[object Object]
Getting Maximum Money For College Under The Confusing And Complicated Laws and Tax Provisions Is No Easy Task! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Can You Honestly Answer All of These Questions???
How  NOT  To Become A Casualty Of These Complicated Laws & Tax Provisions ! ,[object Object],[object Object],[object Object]
“ But What If I Make Too Much Money To Qualify For Need Based Aid?” ,[object Object],[object Object],[object Object]
What Are Your Options? What can you do?
What Are Your Options? ,[object Object],[object Object],[object Object],[object Object]
What Are Your Options? ,[object Object],[object Object]
What Are Your Options? ,[object Object],[object Object],[object Object]
What Are Your Options? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Using The Services Of A  College Funding Consultant! A Specialist In A Little Known, But Very Important Niche!
Questions To Ask A College Funding Specialist!   ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Questions To Ask A College Funding Specialist! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Questions To Ask A  College Funding Specialist! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Questions To Ask A  College Funding Specialist! ,[object Object],[object Object],[object Object],[object Object]
Three Kinds Of Families  We Can Help With College Funding ! ,[object Object],[object Object],[object Object],[object Object]
What Have We Learned? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Our GUARANTEE To You! ,[object Object],[object Object],[object Object]
Our GUARANTEE To You! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What's Next?

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How to pay for College with out going broke!

  • 1. The Little Known Secrets Of How To Get Maximum Money For College! How To Legally Arrange Your Financial Situation To Pay For College With As Little Out Of Pocket As Possible!
  • 2. Kevin P. Saia, CFP President & Owner College Planning of New Jersey Ledgewood, NJ, 07852 (862) 251-4665 [email_address]
  • 3.
  • 4.
  • 5.
  • 6.
  • 7. How Much Aid Is Available? There is about $169 Billion of Aid (and tax relief) available, if you know where to get it!
  • 8. How Much Aid Is Available? The 2008 Aid Pie (Billions)
  • 9.
  • 10.
  • 11.
  • 12.
  • 13. Sources Of Financial Aid!
  • 14.
  • 15.
  • 16.
  • 17.
  • 18.
  • 19.
  • 20.
  • 21.
  • 22. Which Colleges Give You The Best Shot At Getting Money?
  • 23.
  • 24.
  • 25.
  • 26. JONES FAMILY: CASE STUDY Northwestern U. Cost - $45,163 EFC - $7,878 Need - $37,285 School A: Meets 100% need. Gift aid - 76% Self help - 24% Kent State U. Cost - $16,576 EFC - $7,878 Need - $8,698 School B: Meets 55% need = $4,784 ($3,914 short!) Gift aid - 33% Self help - 67% What you actually pay at each school: School A : Total EFC = $ 7,878 Total Gift = $28,337 Total Self = $8,948 School B : EFC = $7,878 + Unmet Need = $3,914 Total EFC = $11,792 Total Gift = $1,770 Total Self = $3,014
  • 27. How To Negotiate For The Best Possible Package! You must know your options to get the best deal!
  • 28.
  • 29. How To Get More Need-Based Aid For College! Depending on Your Particular Situation, You Can Re-Arrange Your Affairs To Get More Money By Learning The Legally Established Rules!
  • 30.
  • 31.
  • 32.
  • 33.
  • 34.
  • 35.
  • 36.
  • 37.
  • 38. What Are Your Options? What can you do?
  • 39.
  • 40.
  • 41.
  • 42.
  • 43. Using The Services Of A College Funding Consultant! A Specialist In A Little Known, But Very Important Niche!
  • 44.
  • 45.
  • 46.
  • 47.
  • 48.
  • 49.
  • 50.
  • 51.