To better assist the college candidate, we have developed the 6 Absolute Must Do Steps To:

• Maximize College Funding
• Minimize Post College Debt
• Eliminate Impact on Parent's Retirement Goals

You can get the details on my 6 steps, and more, by filling out my questionnaire or by calling
724-864-5550.

Here's a complete list of my expert services:

• College Planning Checklist - a list of everything that needs to be done and when it is scheduled to be completed
• Career/College Search
• Income and Asset Planning to reduce your Expected Family Contribution (EFC)
• Estimate of financial aid package at chosen schools. Includes breakdown of gift aid (FREE) versus self-help aid ( loans, work study)
• Application Organizer Form
• Complete the Free Application for Federal Student Aid (FAFSA)
• Register for the CSS/Financial Aid PROFILE ( if necessary)
  Current fees from PROFILE are $9 registration and $16 per school
• Complete PROFILE
• Complete Institutional Forms, State Forms, and Verification Forms
• Verify accuracy of Student Aid Report (SAR)
• Help you navigate the Tax Traps set by Congress with the new Education Incentives. If you don't use the Hope Scholarship Credit, Lifetime Learning
  Credit, Education Savings Account, EE Bonds, and Tuition Prepayment/529 plans correctly, it could cost you THOUSANDS!
• Direct negotiations once you recieve your award letters
• Complete federal loan applications
• College budget with borrowing plan to eliminate impact on parent's retirement
  

I know you are sitting there thinking, those services sound great, but what's in it for me? The benefits you recieve are:

Save You Thousands Of Dollars By

• Minimizing chances of fifth and sixth year of college, for a four year degree
• Reducing your EFC with my legal and ethical strategies
• Negotiating a better financial aid package
• Avoiding the Tax Traps with the new Educational Incentives
• Establishing a college budget with borrowing strategy

Eliminate The Time And Stress Involved With Filling Out The Forms And Applications
You don't have to worry if you are filling out a form correctly or if the form will be sent in on time. We will do the forms and applications for you.

Prevent You From LOSING Thousands Of Dollars In Financial Aid
by having your forms "bumped" due to errors or inconsistencies and/or sending them in too late. Some financial aid is awarded on a first come first serve basis, so we will send in the foms on time, without errors.

Save You Time And Money By Not Visiting And Applying To Colleges That Cannot Meet Your Financial Aid Need
My database will show you the financial aid package to expect from the colleges you are considering. It will also tell you how much of the package is gift aid (free money) and self-help aid (loans, work-study).

Minimize After College Debt And Impact On Parent's Retirement
By reducing the chances of a fifth and sixth year and maximizing the amount of free money, we minimize after school debt. With our college budget we structure your finances to pay college bills with ZERO impact on retirement funds.