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- How to Pay "Wholesale" for College in Today's Turbulent Times...
How to Pay "Wholesale" for College in Today's Turbulent Times...
...and comfortably afford tuition without sacrificing your lifestyle or plundering your retirement savings......even if you earn six figures (or more), own your home, have money put away for the kids or own your own business
The best (and immediately actionable) college financial aid strategies, directly to your inbox. College Money Weekly curates exclusive insider knowledge via our expert analysis & proven cost reduction strategies (typically 30-60% savings versus families who plan without expert guidance).
Discover hidden financial aid "loopholes"-- and stay clear of deadly, money-losing "landmines"-- that ANY family can use to beat the overpriced, rip-off colleges at their own slick, sick game...
"This newsletter works especially well for parents who think there's NO WAY they'll ever qualify for anything"
Dear Fellow Parent:
Guidance counselors are useless.
Your accountant can't help either.
And colleges are BIG BUSINESS -- they want every last dollar they can wring out of you...
...Even in the middle of a recession!
If your child is headed off to college in the next year or two, and you're officially you-know-whatting-a-brick when you realize just HOW RIDICULOUSLY EXPENSIVE tuition has gotten since YOU applied back in The Day...
...and you're asking yourself, How on god's green earth will I possibly be able to afford to send my kids where they deserve to go...
...without raiding my retirement or selling an organ?
I suggest that you shut down TikTok, Faceborg or whatever else you have open, turn off your texts and other "dumb phone" intrusions, and give yourself 10 minutes of uninterrupted time to read this note, because it might open your eyes to relief that you didn't know existed.
I'm Kevin Li, and I've spent years mastering the complex world of college financial aid, including studying the strategies that help families save tens of thousands on college costs.
One of my main specialties:
Helping select families who think they'll NEVER get any college financial assistance, comfortably afford to send their kids to the colleges they deserve, without breaking a sweat or vaporizing their retirement.
It's About YOU Getting Free Grants and Scholarships
Technically, for the cost of this newsletter
But first, let me give you a quick lay of the land, so you can see how and why this information works for qualified families.
It's no secret, college costs have SKYROCKETED to insane levels over the past 30 years, and there's no realistic relief in sight (sorry, Bernie and Elizabeth!).
Student loan levels have eclipsed 1.6 Trillion and counting, defaults are on the rise and 50% of college grads from two years ago STILL don't have a job that requires a college degree!
This was BEFORE coronavirus, by the way.
Colleges act like they're on your side, but don't count on them for help.
These "non-profit" colleges and universities are businesses -- BIG BUSINESSES -- and want as much of your money as they can get their hands on!
They need to build new dorms with flat panel TVs, construct Lazy Rivers and pay their presidents and other higher-ups seven-figure salaries, among other "necessary" budget line items.
But don't expect the government to step in on your behalf either:
Student loan interest and fees totaled $66 Billion, according to the Government Accountability Office. That's more of a profit than most Fortune 100 companies make --- the Feds aren't giving up that revenue so fast!
What about your average CPA and accountant?
Forget it.
They're too busy trying to keep up with voluminous tax law changes, they simply cannot devote the extra time to master the convoluted, non-common sense, punitive financial aid regulations.
I say "punitive" because the financial aid system PUNISHES responsible families who earn a living, pay their bills and live below their means, while rewarding less responsible families by showering them with grants and scholarships.
(I realize that this isn't politically correct, but I'm just getting warmed up!)
Last, and most disappointing, guidance counselors are woefully untrained in this area too, not to mention severely outnumbered (the average ratio of child to counselor is more than 400:1, nationally).
Pretty bleak. But hopeless?
Don't throw in the towel just yet.
Paying for college is like being on a packed flight from New York to Los Angeles. Every passenger ends up at the same destination, but each paid A DIFFERENT FARE.
Some of your fellow travelers paid more (congrats!), while others, LESS (grrrrrr!).
The trick is to know how to shop for discounted deals. But there's no "Priceline.com" for college tuition, unfortunately.
Strange Financial Aid Facts
Good news: You might have a better shot at getting aid than you think. Check out these little-known stats:
Most financial and merit aid goes to parents in the top 25% of income (families earning six and seven figures)
At most colleges, roughly 25% of families pay Full Boat, subsidizing a whopping 75%. Which group would you rather be in? (That's a rhetorical question. Don't answer.)
The AVERAGE tuition discount at a private college is a staggering 52.2%, according to an industry report. (BEFORE coronavirus --I expect it to increase!)
Colleges are cutting deals left and right - paying full price today is an OPTION, not an obligation!
What Do They Know That YOU Don't?
Why does one family pay full price, while the other gets 50% off? It boils down to one thing:
Unlocking the "Rules of the Game."
Crack the code and you'll be ushered into the College Endowment Promised Land, and receive a WINDFALL of fat, juicy scholarships and grants.
The other choice: ignore The Rules at your peril, and roll the dice.
My advice? Before you "wing it," picture how it would feel to burst the bubble of your deserving child, who worked their tail off to somehow earn acceptance into their "Dream College"...
...but THEN, after the excitement fades, you're forced to quietly confide...
"Sorry, I just can't afford it."
If your child does her part, shouldn't you hold up your end of the bargain?
"Specialized Knowledge"
You don't have to wonder too much. Here's the answer:
They relied on two powerful words...
Specialized Knowledge
It's About ROI
Smart families don't look at expert financial aid guidance as EXPENSES. Rather, they view them properly as INVESTMENTS that pay off in an amount FAR GREATER than what they invest to get the knowledge.
Successful families understand the ROI (Return on Investment), when it comes to getting expert advice.
In a nutshell, THAT premise is the bedrock of College Money Weekly.
You give us X, we return you a MULTIPLE of X by way of the strategies, insights and step-by-step guidance we share each week.
Is It Really That Hard?
Some parents think getting financial aid is merely about filling out a little paperwork.
The Free Application for Federal Student Aid (FAFSA) is the "easy" form required by all colleges. The Department of Education wants you to believe that it's straightforward.
They're right -- the FAFSA APPEARS to be simple, to the unassuming eye.
But that's misleading, because appearances are only part of the story:
There are more than 1,100 pages of regulations behind this so-called "simple" form!
The devil is in the details, especially when you delve into the regulations pertaining to what needs to be disclosed, and what doesn't.
If you "overshare" on the FAFSA and reveal something you did not have to disclose, you will literally rob yourself of thousands -- perhaps tens of thousands of dollars.
Maybe that's why Arne Duncan, former Secretary of Education and a Harvard grad, was famously quoted as saying, 'You basically need a Ph.D to figure that thing out."
On the flip side, if you never stumble across the four legal and ethical "loopholes" that permit you to "hide"-- or shelter -- your savings from the financial aid formulas, you could lose tens of thousands in aid that you otherwise deserve, too.
Oh, that's just the FAFSA. The even scarier application, The CSS Profile, is required by approximately 400 mostly private, competitive colleges.
It's twice as long and 10 times as difficult as the FAFSA, and governed by a separate, distinct methodology.
What You Get With College Money Weekly
Every week, you'll receive actionable strategies including:
💰 Buried Strategies, Loopholes and Landmines Discover how to triple your eligibility for grants and scholarships. I share the hidden places on the financial aid forms where money-losing, dangerous "landmines" lurk...and cost-cutting "loopholes" opportunities lie.
🔧 Negotiation and Appeal Strategies I'm a leading authority on negotiating financial aid and merit aid. Each week, I share the exact strategies that help families improve so-called "final" offers by $5,000, $23,000, $25,000, $35,000, even more than $50,000.
⚠️ Avoid Deadly Unforced Errors Learn to never miss deadlines, mix up what information belongs where, ignore follow-up requests from colleges or the Department of Education, and more. Any one of these harmless "admin" errors could, quite literally, cost you THOUSANDS.
What You Really Get...
I left out the most important feature of College Money Weekly, one that's impossible to put a price on:
Peace of mind.
How would it feel to finally sleep like a baby at night (remember what that's like?), knowing that you have true expertise in your corner, and that you won't make any costly, self-sabotaging mistakes.
The Investment
Technically, it's free.
Here's what I mean:
Although the investment for College Money Weekly is just $897/month, subscribers typically save much more than that amount using just one strategy from a single newsletter.
We also offer an annual plan at $1997
Economically speaking, it's actually better than free:
We are a money-MAKER for you. Not an expense.
Subscribe now and you'll feel less stressed immediately and feel GREAT that you took a huge step toward ensuring your child's future success in college...and beyond!
Who Should Subscribe?
If you have any of these questions, you're likely in our "wheel house" and would benefit from our newsletter:
How to make an expensive private college cost LESS than a so-called "cheaper" state university
How to negotiate or appeal your "final" merit aid or financial aid offer • Money saved as per your accountant's or "financial guy's" advice? WATCH OUT, their recommendations may have SABOTAGED your eligibility
Business Owners: Discover hidden "business scholarships" locked in your business that your accountant never told you about
Own your primary residence? Several hundred colleges will "count" this against you.. How to minimize or flat-out eliminate this penalty
The 529 College Savings Plan: "Friend" or "Foe?"
Divorced/separated families: Which parent should apply, and more!
Are you aware what happens AFTER you file? How to deal with the barrage of follow up requests from colleges
Money saved for retirement? Which colleges care, which don't, and which financial aid forms include this information
Start Your Subscription Today
There's no risk. Cancel anytime. But working with this information could be the best decision you'll ever make.