We hear parents often say “We can’t qualify for any financial aid so why bother even filing the forms?”  When you don’t fill out and send in the forms, the colleges assume that you prefer to send them checks.

A lot of families that can afford to send their students to college think that there isn’t a way for them to save money when doing so. But there is! We review your financial situation and find ways for you to save money through tax strategies and non-need based financial aid. It’s even possible to lower your EFC (Expected Family Contribution).

Dr. Kay is CCPS certified (Certified College Planning Specialist), who can work with you to help find the right balance of college planning and financial strategies.
 
We can help you:

• Understand how the system works
• Fill out complicated forms
• Calculate your eligibility to get financial aid
• Lower your family contribution and increase the aid for which you might be eligible
• Even appeal for more aid.

Grants and Scholarships

Not all grants and scholarships are need based!  Contact Dr. Kay to learn more about gift aid options for high net worth families.

When Dr. Kay worked as assistant dean, she sometimes had to try to find students that qualified for different grants.  She had to work just to give the money away!

Savings

How can you save money without hurting your student’s potential for financial aid?

What type of accounts will let you avoid paying taxes, save you the most, and help your student’s chances for aid?

Will your current savings plans affect your student’s ability to qualify for financial aid? There are some great ways to save for your student’s education that you might not know about. Let us help you find that plan that’s right for your particular needs and situation.

We can help you with:

• Section 529 qualified tuition programs (some high net worth families may be taxed when withdrawing funds from 529 programs.  Contact me for more information)
• Coverdell education savings accounts
• UGMA/UTMA
• Roth and traditional IRAs
• Savings bonds
• Life insurance
• Tax efficient mutual funds
• Real estate
• Associated financial planning considerations

Alternative Financial Planning

We also specialize in paying for school through less conventional ways, which include:

• Asset strategies
• Tax strategies
• Income strategies
• Internships
• Even non need based gift aid
• And other sources of funding that never have to be paid back

Call today to find out how Dr. Kay can help you through the process of locating and paying for a college education.

And remember, your initial consultation is free! If I can’t help you and your student I won’t charge you. You have nothing to lose and much to gain!