It’s the time of year for trick-or-treating, football games, and filling out the Free Application for Federal Student Aid (FAFSA).   Completing the FAFSA is required to take advantage of Federal Student Aid including Federal Work-Study and Federal Direct Subsidized Loans and Direct Unsubsidized Loans.  Many states will also use the FAFSA for their financial [...]



The College Scholarship Service (CSS) Profile takes a more in-depth assessment of a family’s financial situation. Approximately 200 institutions currently use it to determine eligibility for institutional financial aid, and around 100 more for scholarship programs.  Schools that give away a significant amount of their own institutional need-based aid use the CSS Profile because [...]


Private student loans are very dangerous. Buyer beware!

There was a time when it was very easy for me to convince people of the danger of private student loans. I would tell families that private student loans almost always require co-signers and usually that was enough to scare them away. If that didn’t work, I could point out that private student loans are [...]


Don’t make this $400,000 mistake one of my clients made

I don’t want you to think I put my clients’ business on the street. My client is very thoughtful and considerate, so when I asked her if I could share what happened, she urged me, “Please do.” She said, “I don’t want what happened to me to happen to anyone else.” It was Tuesday, and [...]


Appreciate the critical thinking and independence of your child

Parents say they want an independent child who can think well on his or her feet, but how do parents react when their child does not accept everything they've told them as gospel? This article encourages parents to appreciate and not stifle their child’s independent voice.

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