The Little Known Secrets Of How To

Get Maximum Money For College!

How To Legally Arrange Your Financial Situation To Pay For College With As

Little Out Of Pocket As Possible!

Carol Klamo College Funding

StrategistCollege Planning & Funding Strategies, LLC

927 Beville Road, Suite 111South Daytona, Florida, 32119

Phone: (386) 236-9944http://

www.collegefundingstrategies.org

Keep in mind… The information in this presentation is based

on current laws and regulations. The information is general in nature, seeing that everyone’s personal financial situation is complex and very different. Due to this, we offer a FREE no-obligation consultation to those who participate in this presentation where we will take 1 hour of one-on-one time to review your specific and individual situation. We will further discuss details of the consultation later in the presentation.

Our Research of Parent’s Biggest Concerns

Missing deadlines Making mistakes Developing a plan to pay for college Not having the time to do everything involved Doing something that will hurt their child’s chances

for college admission Doing something that will cause them to not get the

most financial aid possible

Today's High Cost Of College! Why is it so ridiculously expensive?

• Less aid from government sources.• Teacher's salaries going up.• Costs of maintenance, upkeep, repairs,

infrastructure, etc., all going up.• Changes in technology.• Each year, college cost are increasing

faster than inflation rates!

It's Expensive No Matter Where Your Kids Go!

Not just tuition - includes books, room and board, living expenses, etc.

4 years can cost $69,960 to $143,440 ...or even more!

Multiply by number of kids. Each year, college costs

increase faster than inflation rates!

Average Yearly Cost Of Private Schools Versus State Schools!

$0$5,000

$10,000$15,000$20,000$25,000$30,000$35,000$40,000$45,000

PrivateState

How Is A Family Supposed To Pay For All That?• Savings?• Borrow?• Scholarship?• Go To Lesser

School?• Not Go At All?

Savings Take from the $200,000 that is burning a hole in

your pocket If you have savings, I highly recommend that you

reserve one of the FREE consultation appointments I’ll be discussing a little later in the presentation. $10,000 in savings could potentially cost you $500 to

$3,500 in college grant money.

You need to know what to do BEFORE you play the game…

Borrow There are several different ways to borrow the money for college…

If you’re going to borrow money, would you rather… Get a tax deduction or not get one? Have a fixed monthly payment or a variable increasing payment? Have interest-free student loans or high-interest student loans? Have to take a loan each and every semester or have the funds

readily available prior to college beginning?

Example: 4 ½ years “Same As Cash”

Once again, you must know what your options are before you play the game.

Scholarships What % of the $169 billion dollars available in

Student Aid came in the form of scholarships? www.fastweb.com

Just like in Las Vegas or Day Trading, you only hear about the winners…

“Weekend Warriors”

- If someone tells you that ‘Your student has been selected to apply for grants from Federal Gov’t. All you have to do is pay us $2,000 tonight’… RUN!!!

Financial Aid

Myths vs. reality-• Income too high.• Grades too low.• Own a home.• Aid is only for special

groups.• It's an easy process.• School people can help.

this day of , 199 ,

by

Financial Aid Certificate

PRESENTED TO:

Due to your financial situation, you are accepted to the University of Hard Knocks, and are eligible for $5,000 of

financial aid in your freshman year!

Our kid

Type name here

Who Is Eligible?

How Much Aid Is Available?There is about $169 Billion of Aid

(and tax relief) available, if you know where to get it!

Cost Chart - Billions of Dollars - (2008 Academic Year)

89 BillionStudent/

Parent Share 169

Billion Student Aid

How Much Aid Is Available?

The 2008 Aid Pie (Billions)

Federal Loans43.8 %

$74

Employer-Paid Tuition3.95 %

$6.7

Private Sources3.7 %$6.3

Collegiate Resources

19.2 %$32.48

Military4 %$6.8

Tuition Tax Credits8.2%$10.5

The States6.1%$10.4

Federal Grants13.1%$22.1

Federal Loans

Private Sources

Employer Paid Tuition

Collegiate Resources

Military

Tuition Tax Credits

The States

Federal Grants

How Do They Determine If I'm Eligible?

COA - EFC = Need-

• COA stands for Cost of Attendance. (Includes tuition, books, room/board, etc.)

• EFC stands for Expected Family Contribution. (Based on parent's and student's income, assets,

ages, number of people in school.)• Need is how much aid the family is eligible for.

3 Categories of People

Three Kinds Of FamiliesThat Need Proper College Funding!

Families with total financial need! (C1)

Those who get financial aid wherever they go to school. However, everything must be done 100% accurately and on time to get the maximum amount of FREE money and less loans.

Three Kinds Of FamiliesThat Need Proper College Funding!

Families with partial financial need! (C2)

Those who will get financial aid DEPENDING on which school they choose and how their assets & income are positioned.

(… the majority of people participating in this workshop)

Three Kinds Of FamiliesThat Need Proper College Funding!

Families who make too much money to qualify for “need based” financial aid! (C3)

Those who will not qualify for “NEED based” aid but still must go through the process to get the “MERIT based” money. These people must also be concerned with paying for college in the most tax-efficient fashion and must take into consideration how this will effect all other financial and retirement goals they may have.

Sources Of Financial Aid!

Where To Get Money!

Federal Government.• Pell Grants• SEOG Grants• College Work/Study• Subsidized and Unsubsidized Stafford

Loans• Perkins Loans• PLUS Loans and SLS Loans

Where To Get Money!

Federal Government. State Government.

• Special programs for in-state residents.

• Teachers, health professionals, minorities, etc.

• Contact state higher education agency for more information.

Where To Get Money!

Federal Government. State Government. Colleges And Universities.

• Private universities have endowment funds, outside of federal and state funds.

• Awarded on a first come, first served basis.

• Give preferential packaging to student who are in the top 25% of applicants.

Where To Get Money!

Federal Government. State Government. Colleges And Universities. Private Sources.

• Are private scholarship services worth it?• Very small % of all the aid.• Don't spend your time looking for crumbs!

How Do You Apply?The FAFSA. (Free Application for Federal Student Aid.)

A large % go in with errors or inconsistencies.

EVERYONE must fill out this form to get aid!

You cannot apply for Federal Loans if you do not fill one out!

If it is done wrong, it usually gets bumped, adding another 4-6 weeks processing time…which often results in lost financial aid!

How Do You Apply For Aid?

The FAFSA.The CSS/Financial Aid PROFILE And

Registration Form.Many private schools want this form as well.Registration and application can only be

submitted online via the Internet. Asks about home equity, more detailed

explanation of income, assets and expenses.Must be consistent with FAFSA!Not easy to understand or fill out!

How Do You Apply For Aid?

The FAFSA.The CSS/Financial Aid PROFILE And

Registration Form.The School's Own Institutional Forms.

Some schools will make you fill out their own additional forms.

They must be consistent with the other forms.

Usually will ask similar questions to the other two forms.

How Do You Apply For Aid?

The FAFSA.CSS/Financial Aid PROFILE And

Registration Form.The School's Own Institutional Forms.Additional Forms:

Business/Farm Supplement.Divorced/Separated Agreement.

Financial Aid Forms: End Result

As a national average, Parents & Students will fill out 5-9 forms for

Financial Aid, spending 15-20 hours processing them, and still

75% are completed with errors or inconsistencies.

Which Colleges Give You The Best Shot At Getting Money?

The Best Shot! Percentage Of Need Met.

– Some schools meet 100%

of need.– Others only meet 30-60%!– (COA-EFC = Need)– COA: ($20K) - EFC: (10K) = Need ($10K)– 10K - 60% = $4,000 + 10K = $14,000 your

new EFC.– You MUST KNOW these statistics

BEFORE APPLYING!

The Best Shot! Percentage Of Need Met. Percentage Of Gift Aid.

– Some schools meet most needs in FREE money, while others give mostly loans.

– You MUST also know about this BEFORE applying!

The Best Shot! Percentage Of Need Met. Percentage Of Gift Aid. Percentage Of Self-Help Aid.

– Some schools meet most or all of needs in work/study or loans. (You do not want to find out in June that they met most of your need in loans!)

– You must have a history on what that school has done in the past!

Know BEFORE applying!

JONES FAMILY: CASE STUDYNorthwestern Univ:Cost - $45,167EFC - $7,878Need - $37,285

School A:Meets 100% need.Gift aid - 76%Self help - 24%

Univ of Central FL:Cost - $18,282EFC - $7,878Need - $10,404

School B:Meets 58% need = $6,034 ($4,370 short!)Gift aid - 57%Self help - 43%

What you actually pay at each school:

School A:Total EFC = $7,878Total Gift = $28,337Total Self = $8,948

School B:EFC = $7,878+ Unmet Need = $4,370Total EFC = $12,248 Total Gift = $3,439

Total Self = $2,595 Family actually pays $4,370 more out of pocket to send their child to the "cheaper" school! Don't make the huge mistake of picking schools based on cost of attendance only! Your family may not get the best education...because you didn't know the inside secrets of college funding!

How To NegotiateFor The Best Possible Package!

You must know your options

to get the best deal!

How To NegotiateFor The Best Possible Package!

• Some schools mis-award.

• Some schools under-award.

• Some schools will try to compete with other schools.– You must know whether or not to accept the first

award letter!– You must know how to to talk to these people in the

financial aid offices!

“Financial Aid Leveraging”

65% of private schools and 27% of public schools engage in financial aid leveraging.*

This process is used by universities to determine HOW LITTLE AID needs to be awarded to a particular student to still get the student to enroll.

* Quoted from Money magazine

How To Get More Need-Based How To Get More Need-Based Aid For College!Aid For College!

You Can Re-Arrange Your Affairs You Can Re-Arrange Your Affairs

To Get More Money By Learning To Get More Money By Learning

The Legally Established Rules!The Legally Established Rules!

Financial Aid Legal "Loopholes"Financial Aid Legal "Loopholes"

It is perfectly legal and It is perfectly legal and ethical to make use of rules ethical to make use of rules that allow you to get more that allow you to get more money!money!

It's no different than using It's no different than using legal tax "loopholes" to legal tax "loopholes" to save money!save money!

You may get thousands You may get thousands more just by knowing the more just by knowing the rules that they don't want rules that they don't want you to discover!you to discover!

$0

$2,000

$4,000

$6,000

$8,000

$10,000

NotKnowingLoopholes

KnowingLoopholes

Knowing more, gets you more!!

Example of two parents – Example of two parents – one took control!one took control!

Family A:

Income: $95,000Assets: (Excluding home) $60,000 Other real estate: $50,000Number in family: 4Number in school: 1EFC - $26,685

Family B:

Income: $95,000Assets: (Excluding home) $60,000Other real estate: $50,000Number in family: 4Number in school: 1EFC - $9,613

• Difference of $17,072 per year (more than $68,000 over 4 years), because Family B took the time to understand the process, how the pieces of the puzzle fit together...and take control!

You must understand these complicated laws and tax provisions, and most importantly, how they impact many areas of college funding. There are many opportunities and pitfalls you have to watch out for!

Educational Laws & Amendments

$1.35 Trillion Economic Growth - Tax Relief Reconciliation Act Of 2001 Deficit Reduction Act of 2005 Higher Education Reauthorization Act Of 2006 Second Higher Education Extension Act of 2007 College Cost Reduction & Access Act Of 2007

1. HOPE Scholarship Credit 2. Lifetime Learning Credit 3. College Tax Deduction 4. Student Loan Interest Deduction 5. Coverdell ESAs (formerly called Education IRAs) 6. Penalty Free IRA Withdrawals 7. Employee Education Assistance Plan Extension 8. Qualified State Prepaid Tuition Program Tax Advantages 9. Changes To Eligibility Formulas, Loan Limits & Interest Rate

Calculations

WARNING!Don’t Even Think About Applying For College Funding Until You Fully Understand These Educational Laws & Tax Provisions That Directly Affect Education Costs!

Tax Credits vs. Tax Deductions!

Tax Deductions Reduce Taxable Income.

A $1,000 Tax Deduction In A 28% Tax Bracket Saves You $280 In Taxes!

Tax Credits Reduce Income Tax.

A $1,000 Tax Credit In ANY Bracket Saves You $1,000 In Taxes!

Section 529 Plans

Are they all they’re cracked up to be???

What are the “so-called” Benefits?

How do they affect Financial Aid?

529 Plans: Are they right for you?

If you own a 529 plan, make sure you have a competent college funding advisor exam it

BEFORE you apply for financial aid!

Getting Maximum Money For College Under The Confusing And Complicated Laws and Tax Provisions Is No Easy Task!

Will taking advantage of one of these new tax provisions actually cost you by reducing the amount of aid you would otherwise qualify for?

Should you elect the HOPE Scholarship Credit or the Lifetime Learning Credit?

Do you make too much money to qualify for the HOPE Credit or the Lifetime Learning Credit?

Should you take advantage of the student loan interest deduction? Should you refinance your home to pay for college? Do you qualify for, or should you start a Coverdall ESA? What are the restrictions on IRAs used for college expenses? Are Qualified State Tuition Programs a viable option?

Can You Honestly Answer All of These Questions???

How NOT To Become A Casualty Of These Complicated Laws & Tax Provisions !

Start your financial and tax planning early... NOW!

Make sure your tax professional is completely aware of the required integration and coordination necessary between your tax and college funding situations!

Don't even think about filling out either your tax or

college financial aid forms without doing PROPER PLANNING FIRST!!!

If You Choose to Have Someone Help You, Make Sure You Ask Them These

Questions:

Can you show me how to lower my EFC & maximize my eligibility for aid?

Can you help me pick schools that will give me the best aid package - meet most need, more FREE money, less loans, etc.?

Can you help me fill out the FAFSA & CSS/Financial Aid PROFILE Forms line by line?

Will you help me negotiate if I get a bad package or less than I expected from each school?

Can you show me how to pay for college on a tax favored basis if I don’t qualify for financial aid?

“But What If I Make Too Much Money To Qualify For Need Based Aid?”

College Funding Planning Isn’t Only Trying To Get Need Based Aid!

Other Planning Strategies Are Available To Reduce Your Out Of Pocket Costs!

There Are Many Legal Ways To Skin The College Funding Beast That Most People Never Heard Of…And Their Current Advisors Don’t Know About!

What Are Your Options?

What can you do?

What Are Your Options?• Do it yourself!

The colleges will love you for it!

• Let your accountant do it for you! Tax formulas are totally different than financial aid

formulas! Filling out tax returns is totally different than filling

out college aid forms! Accountants tend to apply accounting principles to

financial aid, which will destroy the results!Accountants are experts in accounting, not

financial aid!

Using The Services Of A Using The Services Of A College Funding Consultant!College Funding Consultant!

A Specialist In A Little Known, But Very Important Niche!

Questions To Ask A College Funding Questions To Ask A College Funding Specialist!Specialist!

•What exactly will they do for you?What exactly will they do for you?– Income and asset planning.Income and asset planning.– Pick best schools.Pick best schools.– Fill out forms.Fill out forms.– Negotiate with schools.Negotiate with schools.

•Do they offer any guarantees?Do they offer any guarantees?•When should you start planning?When should you start planning?•What's the next step?What's the next step?

The Mission For Our Clients!The Mission For Our Clients!

•EliminateEliminate the administrative nightmare, which the administrative nightmare, which is littered with countless opportunities for is littered with countless opportunities for errors causing families to lose some or all of errors causing families to lose some or all of their financial aid.their financial aid.

•IntegrateIntegrate sound financial planning strategies sound financial planning strategies with the financial aid rules and regulations.with the financial aid rules and regulations.

•Implement Implement programs that help families more programs that help families more easily afford to send their children to the easily afford to send their children to the college of their dreams.college of their dreams.

Our GUARANTEE To You!Our GUARANTEE To You!We GUARANTEE we will:We GUARANTEE we will:

– a.)a.) Do income and asset planning recommendationsDo income and asset planning recommendations to reduce your EFC as much as possible. to reduce your EFC as much as possible.

– b.) Help you pick the schools that give the best b.) Help you pick the schools that give the best financial financial aid packages!aid packages!

– c.) Help you fill out the financial aid forms, (or in c.) Help you fill out the financial aid forms, (or in some cases actually some cases actually fill the forms out for you!)fill the forms out for you!)

– d.) Negotiate on your behalf to get the best possible d.) Negotiate on your behalf to get the best possible financial aid packages!financial aid packages!

– e.) Create a personalized plan to pay your family’s e.) Create a personalized plan to pay your family’s out-of-pocket expenses in the most tax-efficient way out-of-pocket expenses in the most tax-efficient way possible.possible.

If we do not do all this in a professional, timely manner in YOUR If we do not do all this in a professional, timely manner in YOUR opinion, and you’re not satisfied with our performance…we’ll opinion, and you’re not satisfied with our performance…we’ll refund absolutely 100% of your fee with no hassles, no hard refund absolutely 100% of your fee with no hassles, no hard feelings!feelings!

Services We Provide: Student Services We Provide: Student CounselingCounseling

Student AssessmentStudent Assessment

• Personality Profile EvaluationPersonality Profile Evaluation• Advanced Search Of Careers, Majors & Studies Based On Specific Student InterestsAdvanced Search Of Careers, Majors & Studies Based On Specific Student Interests• Innovative College Search Based On Demographics & Personalized Areas Of ImportanceInnovative College Search Based On Demographics & Personalized Areas Of Importance

• Personalized Private Student Interview with a Private Admission Counselor From the National Personalized Private Student Interview with a Private Admission Counselor From the National Association of College Admission Counselors – Designed By A Ph.D., An M.I.T. Graduate & Association of College Admission Counselors – Designed By A Ph.D., An M.I.T. Graduate & Former University Professor Extremely Knowledgeable About Admissions PracticesFormer University Professor Extremely Knowledgeable About Admissions Practices

• SAT Prep Course Entitled SAT Prep Course Entitled “The Little-Known Secrets of Acing the SAT!”“The Little-Known Secrets of Acing the SAT!”• On Average, Students Who Have Participated In This Course Have Increased Their SAT Scores By 225 On Average, Students Who Have Participated In This Course Have Increased Their SAT Scores By 225

POINTS! POINTS!

• ACT Prep Course Entitled “ACT Prep Course Entitled “Everything You Everything You MustMust Know To Master The ACT!” Know To Master The ACT!”• On Average, Students Who Have Participated In This Course Have Increased Their ACT Scores By On Average, Students Who Have Participated In This Course Have Increased Their ACT Scores By 4 4

POINTS!POINTS!

• Admission Essay ReviewAdmission Essay Review

• In-Depth Personalized Analysis On Your Chances Of Enrollment At Up To 5 CollegesIn-Depth Personalized Analysis On Your Chances Of Enrollment At Up To 5 Colleges

• Follow-Up Student /Parent Q&A Interview With Your Very Own Private NACAC Counselor / Follow-Up Student /Parent Q&A Interview With Your Very Own Private NACAC Counselor / Admissions CoachAdmissions Coach

• Unlimited Q&A Email Access To Our Highly-Acclaimed Expert SAT / ACT Team Unlimited Q&A Email Access To Our Highly-Acclaimed Expert SAT / ACT Team

Services We Provide: College Funding Services We Provide: College Funding StrategiesStrategies

• Calculate Expected Family Contribution (EFC)Calculate Expected Family Contribution (EFC)• Provide Planning Recommendations To Reduce EFCProvide Planning Recommendations To Reduce EFC• Provide Financial Aid Award Estimates For An Unlimited Provide Financial Aid Award Estimates For An Unlimited

Number of Schools & Recommend Additional Schools To Be Number of Schools & Recommend Additional Schools To Be ConsideredConsidered

• Provide Recommendations For The Best Way To Pay Your Provide Recommendations For The Best Way To Pay Your Share Of College CostsShare Of College Costs

• Provide Tax-Efficient Borrowing Strategies To Help Keep Provide Tax-Efficient Borrowing Strategies To Help Keep Financial Goals In Line, Along With Cash Flow Strategies Financial Goals In Line, Along With Cash Flow Strategies For College Years & BeyondFor College Years & Beyond

• Provide Complete Financial Overview On College, Taxes, Provide Complete Financial Overview On College, Taxes, Cash Flow, Retirement & Develop A Plan To Improve Each Cash Flow, Retirement & Develop A Plan To Improve Each AreaArea

• Provide Strategies That Legally Protect Your Savings & Provide Strategies That Legally Protect Your Savings & Retirement Accounts From The Financial Aid FormulasRetirement Accounts From The Financial Aid Formulas

Services We Provide: Financial Aid Data Services We Provide: Financial Aid Data Gathering & ProcessingGathering & Processing

• College Planning Checklist With All Timelines & Deadlines College Planning Checklist With All Timelines & Deadlines That Is Updated Electronically & E-Mailed Every Time That Is Updated Electronically & E-Mailed Every Time Something Is Completed &/Or MissingSomething Is Completed &/Or Missing

• Free Bonus – Complete Free Application For Federal Free Bonus – Complete Free Application For Federal Student Aid (FAFSA)Student Aid (FAFSA)

• Register Your Student For The CSS PROFILERegister Your Student For The CSS PROFILE• Complete CSS PROFILE & Walk Families Through All Complete CSS PROFILE & Walk Families Through All

Supporting DocumentationSupporting Documentation• Complete Any Additional Forms Required By The Individual Complete Any Additional Forms Required By The Individual

SchoolsSchools• Confirm The Accuracy Of The Student Aid Report (SAR)Confirm The Accuracy Of The Student Aid Report (SAR)• Make Any Necessary Adjustments To The SARMake Any Necessary Adjustments To The SAR• Advise & Counsel On Stafford & PLUS Loan ApplicationsAdvise & Counsel On Stafford & PLUS Loan Applications• Provide Protection From Being Overlooked For Grants, Provide Protection From Being Overlooked For Grants,

Scholarships Or Loans Due To Mistakes On Your Financial Scholarships Or Loans Due To Mistakes On Your Financial Aid FormsAid Forms

Services We Provide: Services We Provide: AppealsAppeals

• Spreadsheet Up To 3 Award Letters & Spreadsheet Up To 3 Award Letters & Professionally Evaluate If Your Offer Was Professionally Evaluate If Your Offer Was FairFair

• Provide Tested Appeal Letters If You Were Provide Tested Appeal Letters If You Were Under-AwardedUnder-Awarded

Services We Provide: Value Services We Provide: Value Added ServicesAdded Services

• Sponsor “Client-Only” Teleconferences Throughout The Year For Parents & Sponsor “Client-Only” Teleconferences Throughout The Year For Parents & Students On Topics Ranging From Essay Writing To Admission TipsStudents On Topics Ranging From Essay Writing To Admission Tips

• Provide Easy-To-Use Parent & Student ManualsProvide Easy-To-Use Parent & Student Manuals• Provide a Monthly E-Letter To Parents & Students To Keep Them Updated Provide a Monthly E-Letter To Parents & Students To Keep Them Updated

On Everything They Need To Be Aware Of Along The Way With A Weekly On Everything They Need To Be Aware Of Along The Way With A Weekly College Funding “Tip of the Week”College Funding “Tip of the Week”

• E-Mails Submitted Monthly To Both Parents & Students On What They E-Mails Submitted Monthly To Both Parents & Students On What They Need To Be Doing That Month To Maximize Their College Admissions & Need To Be Doing That Month To Maximize Their College Admissions & Financial Aid ResultsFinancial Aid Results

• Personalized Financial Aid FAQ PagePersonalized Financial Aid FAQ Page• Interactive Online Page For Each Parent / StudentInteractive Online Page For Each Parent / Student• Provide Parent / Student Feedback On Specific CollegesProvide Parent / Student Feedback On Specific Colleges• Unlimited Support For Parents & StudentsUnlimited Support For Parents & Students• Copy Of Our “Student Handbook For Success”Copy Of Our “Student Handbook For Success”• Copy Of Our “College Admissions Boot Camp Handbook”Copy Of Our “College Admissions Boot Camp Handbook”• A One-Stop Shop to Always Have Your Questions Answered With A One-Stop Shop to Always Have Your Questions Answered With

Personalized ContactPersonalized Contact• Provide “Peace of MindProvide “Peace of Mind

Ask Yourself This Question…Ask Yourself This Question…

How many of you are interested in knowing…How many of you are interested in knowing…

$ What your financial aid package might look What your financial aid package might look like at the schools you are considering like at the schools you are considering BEFORE you applyBEFORE you apply

ANDAND$ If there are any strategies you can take If there are any strategies you can take

advantage of to help make paying for advantage of to help make paying for college more easily affordable?college more easily affordable?

Requirements of Free Requirements of Free ConsultationConsultation

• Must be scheduled within 2 weeks of Workshop Must be scheduled within 2 weeks of Workshop datedate

• If married, both parents must be presentIf married, both parents must be present• In order to facilitate the volume of free In order to facilitate the volume of free

consultations we hold, we ask you to provide a consultations we hold, we ask you to provide a number where you can be reached tomorrow number where you can be reached tomorrow between 9AM and 12PM.between 9AM and 12PM.– If you can’t be reached between 9AM and 12PM, please If you can’t be reached between 9AM and 12PM, please

provide a time during business hours you would prefer to provide a time during business hours you would prefer to be called.be called.

– Seeing that almost everyone ends up requesting the FREE Seeing that almost everyone ends up requesting the FREE Consultation…If the FREE Consultation is not scheduled Consultation…If the FREE Consultation is not scheduled by the end of the day tomorrow, we cannot guarantee that by the end of the day tomorrow, we cannot guarantee that any available FREE Consultation spots will be left.any available FREE Consultation spots will be left.

1 Out Of 3 Things Will 1 Out Of 3 Things Will HappenHappen

• You will get all of the added info you were You will get all of the added info you were looking for so that you can do this yourself.looking for so that you can do this yourself.

• You will decide that you want to do part and You will decide that you want to do part and you want us to do part.you want us to do part.

• You will decide that you want absolutely You will decide that you want absolutely nothing to do with the financial aid nightmare nothing to do with the financial aid nightmare and let us take everything off of your plate.and let us take everything off of your plate.

Develop a PLAN!Develop a PLAN!

““A fool with a plan is better than a A fool with a plan is better than a genius with none.”genius with none.”-T. Boone Pickens – July 2008-T. Boone Pickens – July 2008