Frequently Asked Questions

1. Is it too late if my child is already a high school senior? No, but the clock is ticking! Because of the compressed period of time, our relationship with seniors is intense, so we limit the number we assist.
2. What if I already have a child in college? Even if one of your children has already started college, we can still help. Financial aid packages are awarded on a yearly basis and often change during the student’s tenure. The opportunities to save on college costs can change as well. Of course, we can also still help cut costs for children that haven’t started as well.
3. I don’t live in Colorado, can you help me? Yes, we can help no matter where you live in the U.S.
4. Is there anyone you don’t work with? No, all parents will find invaluable information for reducing college costs in our Affording College newsletter and subsequent webinars. But our membership services will be suitable for a much smaller number of parents.
5. But I know I don’t qualify for federal financial aid will you still be able to help me? Actually, the majority of our clients don’t qualify for or qualify for very little federal financial aid. The Fast Track to College Savings Analysis will reveal the extent that we’ll be able to help with your specific situation.

Services

1. Do you find scholarships for college? No, we are not a scholarship search firm and we are not associated with any. We focus on strategies to reduce what you’re expected to pay for college.
2. Do you offer student loans? No, we are not a lending institution.
3. Will you manage my money? Although we do have FINRA Series 6, 7, and 65 licenses that would allow us to manage money, we have chosen instead to focus entirely on reducing your college costs. This eliminates the distractions and conflicts that may arise by being commission-driven to obtain assets under management. However, if you are looking for someone to manage your money, we can recommend several trusted financial advisors.
4. Will you negotiate with the college for me? No, colleges do not negotiate. But they do entertain requests to reconsider packages they have offered. Knowing when, how, and what to say is key to successfully appealing the package. If we feel that your circumstances warrant the college’s reconsideration, you can be sure that we will be with you every step of the way.
5. Why do I have to pay for the Fast Track to College Savings Analysis? Some firms offer a free cursory calculation as a ploy to find out how many assets they may be able to manage for you. As we mentioned above, we don’t manage assets. So our analysis is a thorough, in-depth examination of your entire financial situation. We feel this is the only way to accurately assess your specific situation and provide valuable insight into how much you can expect to reduce college costs and the strategies that can help you get there.

Membership

1. Why do you offer a membership program? Once the Analysis is done and the recommendations are implemented, what more is there to do? We created a membership program for several reasons. One is to help ensure our proprietary recommendations are implemented correctly to obtain maximum savings. Also, changing life circumstances may require a change in strategies.
2. How do I qualify for membership? First, keep in mind that you don’t have to become a member for us to help you. We extend membership based on the results of the Initial Analysis, inviting only those whose results show we can achieve significant cost reductions for.
3. I have three children who will be attending college in the future- would I need to have three memberships? No, our memberships are designed to serve the entire family, regardless of size.
4. How long is membership for? Membership is recommended through the financial aid application process of your child’s junior year of college. This will be the last time the student goes through this process unless they decide to go onto graduate studies. Although this is our recommendation, you are free to discontinue your membership at any time.
5. How much does the membership cost? Membership fees have two components. A one-time fee based on the complexity and estimated time (billed at $150/hr) required to properly implement your specific cost savings plan- minus the $450 cost of the Fast Track Initial Analysis, which is deducted from the one-time fee.The second component is a monthly charge. This allows you to enjoy access to all membership benefits including continuous monitoring of your plan. Monthly fees range from $25-$50 per month and are guaranteed not to increase as long as you maintain a current membership. Of course, you are free to discontinue membership at any time.

Do you have a question that we haven’t answered? Please fill in our contact form and we will get you an answer as soon as possible.

Ready to sign up? Contact us to Reduce Your College Costs!