How Today’s Typical Family Pays for College


The way families pay for school truly indicates the depth of their planning… Ironically, according to a Sallie Mae study, while families feel confident in their planning, nearly 40 percent have no plan in place. Talk about rainbows and unicorns!! According to Sallie Mae and Ipsos, an independent global market research company, the cost is […]

Senior Citizens, School Debt, and Retirement

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More seniors than ever before enter retirement with school debt. The cost of an education can last a lifetime. More than 2.8 million Americans over age 60 service some amount of school debt. In 2018, in just fourteen years, school debt held by Americans over age 50 increased from $36 billion to more than $260 […]

Start Saving for College Today

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So… When’s the best time to start saving for the cost of your child’s college education? The correct response is… NOW!!! Anecdotally, we like to say at conception (perhaps, even prior to that). Absent a properly designed college funding campaign, a family can be rudely shocked at what awaits. As the cost rises, students (and […]

Facing Retirement with Student Loans

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More than $18.2 billion in student loan debt is held by Americans aged 65 and older. As baby boomers continue to retire by the thousands, that number will continue to rise. Those in retirement with school debt and those approaching retirement with school debt likely did not borrow the money for their own education. Rather, […]

Start Saving before the Birth of Your Child

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Back in the day, the purchase of a home was the largest expense parents faced. If you have one child, that may still be the case. More than one? Not so much. Since it’s likely the expense of an undergraduate education will be the single greatest expense borne by parents, when should they begin to […]

Odds of a Full Ride: Parental Reality check

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As college admissions inch closer with the speed of an incoming ballistic missile, parents dream of the full-ride scholarships for their gifted student, whether the gifts be academic, athletic, or both. I’ve heard it from parent after parent – “I don’t need to save.” Their student’s gifts will pay off, there’ll be large sums of […]

Early Decision and Financial Aid


While the odds of acceptance greatly improve, the price may be reduced financial aid. According to a National Association for College Admission Counseling report (2017), schools that offered Early Decision (ED) accepted nearly 60% of 2016 ED applicants. Many of those schools are private colleges. Under ED, a student commits to their first choice school […]