|
We are Mountain States College Planning Associates, one of the leading college financial counseling services in Greenwood Village, Colorado.
We guarantee you will discover how to beat the high cost of college-or you don't pay us a single dime!
We know this sounds too good to be true, but it really is possible! In fact, many families discover they can send their child to an expensive private university for less than the cost of a state college!
We guess you're wondering why we’re telling you all of this? The answer is quite simple. We have personally helped parents like you to send their children to expensive private and state universities that they never thought they could afford…
And There's A Good Chance
We Can Do The Same For YOU!
Most middle and upper-middle class parents automatically assume they won't be eligible for financial aid if they make over $60,000 per year, and they own a home.
In most cases, these parents are eligible for some forms of financial aid since the formulas also take into consideration the total number of family members, how many of these family members will be attending college at the same time, the cost of the colleges and universities being applied to, etc. Don't assume you won't be eligible. We’ve even discovered a way for higher income, higher tax bracket families earning well over $100,000 a year to pay for college …on a tax favored basis.
Many parents unknowingly assume that all of their concerns will be answered at the high school "Financial Aid Night" or by their child's guidance counselor. Unfortunately, this rarely turns out to be the case.
Guidance counselors are too bogged down dealing with issues such as teenage pregnancy, drugs, helping students pick colleges, etc. to devote the adequate amount of time necessary to help each individual parent apply for financial aid.
Financial Aid Nights primarily focus on how to fill out the forms. They do not explain how to legally and ethically increase your eligibility for financial aid by doing "income and asset" planning. They also do not help you pick schools based on each school’s ability to give you a good financial aid package. And lastly, they will not show you how to negotiate to get the best possible financial aid package from each school.
All in all, go to your Financial Aid Night, but DON'T expect it to solve all your problems.
Believe it or not, some private schools end up being cheaper than a state school or a local community college.
How can this be you ask?
Let us explain. . .
No matter what school your child applies to, you will have to pay your "Family Contribution", which is the minimum amount of money the government will expect your family to pay at any school.
So let's say your child applies to two schools - one private university and one state college. The private school costs $25,000 per year and the state school costs $10,000 per year.
Let's assume your family contribution is calculated to be $5,000 - which is the minimum the government expects you to pay towards either school.
But here's what happens. Because the private university is well endowed and has a lot of money to give out, they end up offering you financial aid that will cover all expenses above $5,000 - so all you pay out of pocket to send your child to a $25,000 a year school is $5,000.
Unfortunately, the state school does NOT have a lot of money to give out, and all they offer you is $2,000 in aid - so you end up paying $5,000 plus the $3,000 they left you short by for a total of $8,000.
It actually ends up cheaper to send your child to a private school.
Certain assets are counted much more heavily in the financial aid formulas than others. Where you keep your money could mean the difference between getting $10,000 in financial aid or getting nothing. If you don't know how to legally and ethically position your money properly for purposes of financial aid, you could end up losing thousands in financial aid.
Some schools are well endowed and have the ability to award a lot of money to students. Other schools have very little money to give away.
It's important for you to know this information before you ever apply to a school.
By knowing, in advance, which schools give the best financial aid packages, you can have your child pick schools that they have the best shot of getting money from.
This way, you don't waste time and money applying to and visiting schools you will never be able to afford.
Since financial aid is awarded on a first come, first served basis, it is imperative that you get your forms in accurately and on time, or you will miss out on thousands of dollars in financial aid that you would have been eligible for.
Simple mistakes like omitting a social security number, using white-out to make corrections, and not registering a male student for the selective service can actually "bump" a form.
If this happens, you will have to reprocess your financial aid forms, which will take another 4-6 weeks.
Leave no stone unturned when searching for money for college. Be sure to apply for all "need-based" sources of funding through the Federal government, the state you live in, and the colleges and universities your child is applying to. Most of these financial aid programs can be applied for by simply filling out the Federal form (the FAFSA) and, in some cases, the Institutional Form (the Financial Aid Profile).
Do you make in excess of $100,000 a year?
If you answered “Yes”, there’s a good chance you won’t qualify for need-based aid.
But what if we told you there is a way for you to make college tuition tax deductible? Do you think that might save you some money?
On average, we can show higher income clients how to save over $4,000 a year in taxes!
Just like a good CPA can help you lower your tax liability, a good college funding consultant can help you get more money for your child's college education. But before you pick a consultant, make sure they offer the following services: (1) Help you arrange your income and assets to lower your "out-of-pocket" costs and increase your eligibility for college aid; (2) Help you pick schools that you have the best shot of getting money from; (3) Help you fill out the two major financial aid forms so they go in accurately and on time; and (4) Help you negotiate with schools to get the best possible aid package.
Not taking advantage of any of these "9 Secrets" could literally cost you thousands of dollars in lost financial aid that you may be eligible to receive. Don't let this happen to you!
We may or may not have the answer to your college financing problems, but don't you think it's worth a phone call and a couple of minutes of your time to find out! There is no obligation, and if nothing else, you'll learn a great deal about the college financial aid process. So pick up the phone and call us now. You can reach us at 1-888-849-9315. Our normal business hours are from 9:00 a.m.- 5:00 p.m., Monday-Friday. We do have evening hours available.
Why Are We Making You This Generous Offer?
Because we have a feeling that once you see how much money and time we can save you, there's a very good chance that you will end up becoming one of our next happy clients.
Remember, financial aid is awarded on a first come-first served basis. So, it is imperative that you start your planning immediately since waiting can severely limit your chances of receiving the maximum amount of financial aid!
So, pick up the phone and call us now at 1-888-849-9315. We'll be waiting to hear from you. . .
Sincerely,
Douglas B. Walker, CLA
Mountain States College Planning Associates
Free Reports
|
