How to Get Every Last Dime You Deserve for College... and "10X" Odds of Admission to Your Dream School

For overwhelmed and stressed out parents of 9th, 10th, 11th graders and younger, tossing and turning at night, desperately wondering how they'll afford their kids' college tuition or if they will get in anywhere decent

This message is for YOU. Especially for parents who want to avoid letting down their kids by being forced to quietly confess that they didn't do their part, and can't afford to send them to the "Dream College," they worked so hard to get into

Dear Fellow Parent:

Unless you've been living in a cave, you know how ridiculously out of hand college costs have gotten, with no end in sight.

And that was BEFORE Coronavirus, the Test Optional craze and the Supreme Court's decision on affirmative action.

Now the world is upside down, and you may feel like throwing your hands up, out of desperation, wondering, "What can we do now?"

Now is not the time for despair. Quite the opposite, actually. You might be surprised at the new opportunities lying in wait for you, ready for the taking. Let me explain.

My name is Kevin Li. I'm an expert on college financial aid and admissions strategies, with extensive experience helping families navigate the complex world of college funding.

I've studied the methods that help families save tens of thousands on college costs and optimize their children's admission chances to top-tier schools.

I'm not telling you this to show off. Seriously, who cares? I'm sharing this because I want you to know that I'm a "real guy," and really hope you pay attention to this short note -- which is about YOU -- not me. I urge you to silence your phone, shut down Facebook and Amazon, and go somewhere quiet where you won't be interrupted for the next 10 minutes...

...Because what I have to say could -- quite literally -- put thousands, if not TENS of thousands of dollars in your pocket, and give your child an almost unfair EDGE in getting accepted to the college of his or her dreams.

I know that sounds hype and too good to be true, but I can prove it.

It's not your fault

Let's not sugar coat things. College costs have been out of hand for 30+ years.

Hundreds of top colleges and universities now get more than $90,000 -- per year -- when you add up tuition, room, board, books and those sneaky, hidden fees.

That's just for one child. If you have two, three or more kiddos headed to college, brace yourself.

And don't even ask about what you GET for paying those prices. Value has nothing to do with the cost of tuition.

So if you're you-know-whatting a brick because you have no idea on god's green earth how you'll possibly afford tuition for your kids, it's not your fault. And you have plenty of company.

The truth about how much YOU have saved for college... compared to OTHERS

I'll be blunt: in pre-pandemic times, 97% of parents hadn't saved enough to cover tuition for their children.

And only 19% of families have a 529 College Savings Plan. Yes, only a fraction of families can pay for college out of their savings.

So, if you don't live in that elite, 3% neighborhood who can cover tuition and room and board out of pocket, don't worry -- you have plenty of company.

And if you CAN simply write a check, why on earth would you overpay, if you don't have to?

Look, no matter which group you fall in, there's absolutely ZERO reason to feel ashamed or to beat yourself up. It won't help things, anyway, because...

The odds are stacked against you.

"Mass affluent" and upper middle class families are under siege, facing:

• Plummeting 529, retirement and regular savings

• Skyrocketing tuition costs

• Exorbitant property and income taxes, rising inflation and a looming recession

• An assault by way of decreasing "real" wages and spending power (by both political parties)

• The Big Business Colleges, who want as much of your cash as they can grab to pay for their administrative bloat and luxury amenities (dorms with flat panel TVs and granite countertops, rock climbing walls, lazy rivers) designed to lure today's teens like moths to a flame

Good news: there's a way out

Thankfully, there's light at the end of the tunnel, and it's NOT an oncoming train. :)

In every crisis, there are opportunities to thrive. GM, GE, IBM and many other powerhouse businesses were formed in depressions, recessions and economic downturns.

Your challenge - and that facing our children - is to THINK like you're in business for yourself, and take advantage of opportunities to hunker down, adapt and emerge stronger than ever.

Here are a few, strange, counter-intuitive and little-known facts about college aid that should give you hope:

• The average tuition discount at a private college is now up to 56.4%, according to the National Association of Collegiate Business Officers.

• The looming recession and inflation hasn't just affected us parents: colleges are under siege too. They're scrambling to hit their enrollment targets. And willing to make deals!

• At most colleges, only 25-30% of families pay "Full Boat" -- the vast majority receive some type of subsidy from the college by way of merit or need-based aid, and the from the government

• Most aid goes to families in the top 25% of earnings, meaning, six-figure and seven-figure income families

BOTTOM LINE: Paying full price is a CHOICE, not an obligation. You need to learn the strategies and legal "loopholes' to beat these colleges at their own sick, twisted game.

That may be all well and good, but I bet I know what you're thinking...

Yeah, great. So how do WE get our hands on the aid we need...and deserve?

Unfortunately, it's not so easy. Colleges are businesses, and they want as much of your money as they can get.

The federal government won't help you -- they're busy collecting $53 Billion plus of student loan interest...

...while they dole out 12.5 Billion and counting to COLLEGES, as a bailout!

Don't bother asking your accountant for financial aid advice, either -- they're struggling to keep up with changes to the IRS tax code, let alone learn a completely NEW set of Department of Education regulations.

99% of CPAs don't know the intricacies, "loopholes" and "landmines" buried in the financial aid regulations.

Can you blame them?

That's why it's INCREDIBLY EASY to screw up your chances of getting the money you need -- and deserve -- do send your child to the college she worked so hard to get into!

How to Self-Sabotage

Last year, USA today reported that students missed out on a staggering $2.6 Billion in free money for college.

I disagree heartily with that number:

I think it's LOW!

That annual study pertains only to the FAFSA, the federal form. It doesn't contemplate mistakes on the CSS Profile -- an application more than twice as long as the FAFSA -- and about 10 times as complicated!

The CSS Profile is used by approximately 400 colleges to dole out their OWN, endowment funds, separate and apart from FAFSA money.

So the true amount of unclaimed funds could be a multiple of 2.6 Billion, logically speaking.

Which of these mistakes will you make?

I hate to break it to you: it's awfully, incredibly easy to shoot yourself in the foot by committing any number of deadly, critical, money-losing mistakes that result in thousands of dollars -- otherwise EARMARKED for your family -- being left on the table, unclaimed.

Here's an abbreviated "laundry list" of some of the most common self-inflicted errors that do-it-yourselfers make:

• Blowing multiple, confusing deadlines

• Not filing the correct forms

• Mistakenly "oversharing" information that's none of your financial aid officer's business, thus "sabotaging" your chances of aid

• Confusing parent information with student information on the FAFSA

• Failure to understand the key "loopholes" or legal exemptions that can improve your eligibility for more aid

• Not filing because you think you can't qualify

• Not filing, which hurts your ability to get MERIT aid at many colleges

• Business owners: messing up the questions pertaining to valuation of their business

• Business owners: not availing themselves of key "business scholarships" lurking, trapped in their business

• Divorced families: having the "wrong" parent complete the FAFSA

• Negotiation: Failure to proffer the most persuasive arguments to receive an improved offer

• Verification: when a college "audits" your applications after your file, failure to respond to their inquiries in a strategic and effective manner

These were just off the top of my head. I could list another couple dozen without breaking a sweat.

Anyway, you get the point:

Even one, simple mistake you could cost you thousands

Or, without exaggeration, tens of thousands...

...Because if you fill out your FAFSA, CSS Profile, Business Supplement or other forms required by your colleges INCORRECTLY -- or without knowing the proper, legal and ethical STRATEGIES to improve your eligibility at your disposal -- you could MISS OUT on thousands of dollars you otherwise deserved.

These mistakes are easily avoidable.

And, to boot, the stakes are super-high. Your children's future - and YOUR financial future -- are too important to sport a careless, cavalier attitude about financial aid. Because if you "wing it:"

• You could end up saddling your child with six figures of high rate, high fee, CRUSHING debt. (I went through this myself, trust me, it SUCKS rotten eggs)

• You could end up mortgaging your home - or retirement savings - up to your eyeballs.

• Or, perhaps worst of all, you might have to confess, quietly, to your child who "did her part" to get in where she deserves, "Sorry, I can't swing it. I didn't do MY part."

Here's how to prevent this heartbreak...

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