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Students Studying Outside
In Our Program, We Will Analyze
the Following Areas:

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Financial Aid:

  • Calculation of your student’s Expected Family Contribution toward the cost of each college being considered (including multiple students in college at one time).

  • Calculation of your student’s eligibility for need-based financial aid at each of the colleges being considered (using a thorough calculation based on Federal, institutional and consensus need analysis formulas).

  • High level discussion of your student’s eligibility for academic/talent-based merit aid awards based on colleges’ published criteria. These awards are typically based on SAT and/or ACT scores and GPA.

  • Effects on need-based financial aid eligibility if multiple children are in college at the same time (if applicable).

  • Calculation of student’s Federal subsidized and unsubsidized loans.

  •  Calculation of the impact of saving in various asset types on your student’s need-based financial aid eligibility.

  •  Analysis of merit aid awards, cost of attendance, need-based aid eligibility, and likelihood of admission - all are dependent on the colleges being considered making college selection a key part of this process.

  •  Provide an estimate of the costs for the respective colleges chosen.

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Tax Aid: 

  • Determine the eligibility of the parents or student(s) to claim the American Opportunity Tax Credit.  

  • Discussion of tax aid strategies and their applicability. 

 

Personal Resources: 

  • Determine your college budget - College Pre-Approval™ (think getting pre-approved to buy a house). 

  • Discussion of strategic use of the family’s personal resources for education funding and retirement savings including 4-year cash-flow analysis. 

  • Preferences regarding whether to employ private student loans and/or Parent Plus loans as a funding source. 

  • Analysis of income-shifting to students and gifting of assets to parents and students. 

  • Determination of the best ways for grandparents or others to help fund colleges costs. 

  • Identify any ways in which the family may be able to enhance need-based college aid eligibility and tax savings. 

  • Debt summary associated with each college being considered, including projected monthly payments upon graduation, total borrowed, total repaid with interest and repayment amounts under 10 and 25-year terms. 

  • Asset and/or 529 liquidation strategies.


Reports Provided: 

1. College Pre-Approval Spreadsheet. 

2. Expected Family Contribution (EFC) Estimate Calculation for the Federal, Institutional, and Consensus Methodologies. 

3. First Year Net Cost Report. 

4. All Four Years Net Cost Report. 

5. Four Year Report – this report details projected loan payments for 10 and 25-year term student loans. 

6. How to Pay Report - this report shows the funding gap for each school after the college financial aid, tax credit, and family funding sources have been included. 

7. Merit Scholarship Report for an unlimited number of schools. 

8. Key Takeaways. 

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