College Funding Strategies |
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College Funding Strategies Proudly Serving Families in Northeast Wisconsin |
| Parents of College Bound Students |
Are you concerned about the increasing pressure that College Expenses will place on
your family's budget?
College cost is rising on average about 6% per year. When you multiply a state school's expenses of $15,000
per year, and the fact only 14% of all students graduate in 4 years (the average graduation rate is 6.2 years)
the cost of 1 student completing college will be $104,672!
The impact this is having on families with everything from cash flow to retirement not to mention the large debt
our children are being left with once they get out of school.
For example: If your student is borrowing this money and deferring the loans until they graduate, their monthly
payments will be about $1,609 per month and their total education will cost them over $193,000! They will
have to make almost $23k per year just to pay their student loans!
The TRAP
Most families fall into the trap of the college funding nightmare. They get all kinds of wrong information from
accountants, financial advisors, financial aid offices, banks you name it. Most people have no clue about the
TRUTH of how college funding REALLY works! They usually fill the forms out wrong, get bum advice, think they
make too much or little money, or put money in the wrong places.
The system is complicated and overwhelming, costing families thousands and in many cases tens of
thousands of dollars in lost financial aid and tax scholarships.
The Solution
Successful planning for college starts with an understanding of how the system works. By developing a series
of strategies that are unique to your family you will be able to increase your eligibility for funding and have the
IRS help you pay for college all while minimizing the impact on your families finances and cash flow.
Like tax planning, college planning will save you thousands. What we see however, is most people just fill out
the financial aid forms with no forethought or strategies. (not our clients) Just imagine if we all did that with
our tax forms! The IRS would love us!
What should we do?
The number one priority for families should be to educate themselves. When you understand how the system
works you can prepare your family for this financial burden. Working with a professional who understands,
has experience and is educated in this process will make all the difference in the world. Much like a CPA or
attorney, a good college planner will walk you through the steps you need to take, steps that are unique to your
family and personal situation. Click here for case studies.
Hi, I'm Robert Schoelzel, CCPS, owner of College Funding Strategies. And yes, there are strategies for you.
The team of professionals we have put together for our families have developed hundreds of strategies for
people in every type of situation you can imagine, and we are adding new strategies and combinations of
strategies every week.
Will they all apply to you? Of course not, however we have seen families save thousands by implementing just
a few that really hit home. In fact our average client in 2007 increased the funds available to them through a
combination of Financial Aid Strategies, Tax Scholarships, Cash Flow Strategies, Investment Strategies and
Loan Strategies on an average of $32,900 That's right, when they were done working with our firm they had
an additional $32,900 available to them that they probably would not have had or known about if they never
met us.
Can we help everyone? Again of course not. In fact we do not take everyone on as a client. We are selective in
our client base and choose to work with the families that are serious about their student and helping them
reduce the burden of college expense and giving them an edge in the admissions process.
Are you someone we can help? Click here and we will show you our typical client and who we serve.
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| Strategies You Can Apply Once you understand this formula, you begin to understand how your college costs are calculated. Cost of Attendance - Expected Family Contribution = Need |