Future Education / College Financial Aid

You were so happy and excited when your child was born.  Your child was so precious and adorable and the future so vast. As time passed, your child went to preschool, kindergarten, and then elementary school. And you began to realize that your child was becoming mature, acting on his or her own will, and becoming more responsible. And you began to think: "What's next for me to do for my child?"  The time has come to think about his or her future education: please read this study by the Social Security Administration explaining the huge lifetime earnings difference by education attainment.

A college education is key to thriving in the modern economy.  But according to the U.S. Bureau of Labor Statistics, the average price of college tuition & fees jumped to become 14 times more expensive between 1977 and 2020.  Income and financial aid has not kept up. Average student loan debt after a four-year college degree is around $37,000, a 37 percent increase in just the last 17 years . Graduate student debt is much, much higher. For most, this debt would be equivalent to a down-payment for your child's first home but instead, your child feels the pressure to pay off the debt before moving on -- before starting a family or buying her first home. 

But there is hope. Ordinary people like you can help your child have a good education and finish her school without debt. We're not magicians -- but we have helped families get their expectations and financial means aligned so that parents are prepared for children's higher education expenses down the road. What you need to do now is to plan and ask experts for help!  

Understanding FAFSA (Free Application for Federal Student Aid, a.k.a.,  college federal grant aid) when your child is still at a young age is crucial in preparing for your child's higher education. FAFSA is the financial aid form used to determine your eligibility for financial aid from the federal government -- including aid in the form of grants that, unlike loans, don't burden your child with debt that has to be paid back. By understanding how FAFSA sees your child's financial needs, you can allocate your assets and financial means to meet your child's educational needs in the future, and maximize the federal aid that you receive.  Our experts will help you understand the FAFSA evaluation process and guide you to set comprehensive, clear goals for your child's higher education costs.   

Federal, state, and local governments offer various types of grants based on parent's financial needs, student's needs, merits, disabilities, and minority status. And there are over 180,000 private scholarships available across the country. We will discuss your financial situation, the facts of your life, and the available opportunities, and offer you the best approach on getting grants and scholarships. Think about what your child is good at, interested in and passionate about along with your financials in order for us to help you efficiently and effectively! 

Preparedness goes beyond action of preparing something. It means discipline, accountability and readiness. We offer variable layers of insights in helping your child attain a higher education without amassing a great deal of debt that may take a lifetime to repay.  Our insights starts by analyzing your financial status, identifying your and your child's goals for higher education, suggesting multiple ways suitable for your family, and ultimately getting to your goal through a sustainable plan of action. Our commitment to helping ordinary Americans like you will be reflected at every step of the way while we work with you.