My Work: CoPlan Ebook Lead Magnet

Secrets of the College Funding World

Learn How to Attend First Class Schools at Economy Prices

By Vasil Svolopoulos, Senior Adviser©2015 CoPlan CFS, LLC

Contact us today for a free consultation at 760.510.5966 or [email protected] | CoPlanCFS.com 2

Acknowledgements

I would like to acknowledge God for all that I am and all that I shall become.

I would like to honor my parents, Demetre and Sheri, for the love and challenges they

provided.

I would like to thank my wife, Asako, for patiently awaiting the bloom of her husband.

What if I said your child could attend college without draining your savings or retirement, or without being burdened by student loans?

http://www.coplancfs.com/


Forward

In the early spring of 2009, I had a crash course in some truths of this world. I learned that I wasn’t as hot of an employee as I thought I was in my 20s. I learned that my employer was not responsible for financial well being. And I learned that everything in life that I ever wanted was not going to be achieved by doing everything I was ever taught. No, I had to both unlearn much of what I was taught, and I had to replace it with new knowledge that both seemed unorthodox yet so common sense. Much of that crash course has led us to the creation of this book.

Much of my journey into the financial world was out of necessity. I had come to realize that our schools don’t teach financial independence and our parents only replicate their habits onto us. Comparing what we are taught and what is actually out there, it was a painful realization that America’s middle class is sorely undereducated and undertrained in the financial arena. After years of working in the insurance and investment industries, I came across an iceberg on the horizon – America’s Millenial generation is headed for college at a much higher cost than their parents paid in their own day.

The challenge, however, lies in a mix of overlapping circumstances. Two major market upsets – 2001 and 2008 – have left catastrophic unemployment, lack of investor confidence and rising costs all across the board. Add to the tail end of that a swelling generation of Millenial kids now enter-ing the college market. Where the annual inflation of the dollar currently rests somewhere around 3-5%, the rising inflation cost of college tuition hovers around 6-8%. Wages and salaries, however, stagnate at less than 3% growth per year. Essentially, America’s families are being expected to foot larger and larger bills every year with incomes that cannot hope to keep up.

Thankfully, the world of college funding has much set aside in the way of gift money and afford-able loans. Unfortunately, there are also many other less-than-sensible means of funding this major investment, as well as a number of unscrupulous entities that seek to take advantage of families not well versed in this world. While many of you may envision a group of seedy individuals meet-ing in a dusty warehouse during late hours of the night to scheme their next “heist”, you couldn’t be further from the truth. Consider that the schools themselves are some of the first and foremost culprits in the college funding game.

Instead of telling you what this book is, I’ll instead tell you what it is not. This is not a book on how to write award winning essays and applications to schools. This is not how to scrape around the internet to “win” $100 scholarships and grants. This is not how to fill out the FAFSA nor how to buy school supplies your freshman year. This is purely about how to get as much free money for school as possible, including considering ideas to make yourself more eligible by reconfiguring your income and asset situation.

Parents of college bound kids will love this. Colleges, banks, loan institutions, financial advisers and the IRS will not. I’m not here to win a popularity contest. I’m here to help.



Paying for College – Your Money and Others’ Money

Pursuing a college degree in the 21st Century takes a lot more than a summer job. That’s the story, at least, that I heard from my parents’ generation. For them, they could work a summer job in the 1970s and have enough saved up to pay for two semesters of full-time tuition, books and other expenses at a local college, possibly even a well-to-do state school (Ivy League and private schools, of course, would require more). For the Millennial generation, this will only be the case if your summer job is running a multimillion dollar company, to which I would argue if you’re already there, why get the degree?

For the vast majority, this will also not be the case. What remains is the typical three part formula that determines for whatever educational institution you’ve chosen what you will be expected to pay when all is said and done. This formula is as follows:

Cost of Attendance (COA) – Estimated Family Contribution (EFC) = Unmet Financial Need

The simplest way I can explain these components are by using an analogy many of us are already acquainted: health insurance.

Cost of Attendance

Essentially, your COA is like the entire medical bill of a hospital stay. Just like attending a hospital, a college or university has certain fixed or average costs associated with their program. This in-cludes tuition for teachers’ salaries, utilities, insurance, and other forms of overhead.

Their product is education (and eventually a piece of paper that says you are certified in some-thing). COA also includes the average costs of books, student residence, health services, parking services, and other miscellaneous costs to experience the college life. So, consider this bill that must be paid before getting your degree.

Remember: college is a business, not just a school.



Estimated Family Contribution

Next is your Estimated Family Contribution, or EFC. To keep the insurance analogy going, your EFC is your deductible – what you are expected to shell out before the insurance company even lifts a finger. Based on your household’s financial situation – specifically, earnings and assets – you will have a different EFC than other households. But here is a bit of information that will definitely ruffle some feathers:

The better your situation (high income and lots of cash on hand), the higher your EFC will be, meaning you will have to pay more before anyone will consider helping you out. If you aren’t doing that well (at least on paper), your EFC will be lower, thus making school more affordable for you.

A side note, I want to make about your EFC, I see families’ eyes bulge when their EFC come out to be like $50,000 for a $25,000-per-year school. This does not mean you are expected to pay twice as necessary to attend the school. It simply means you are expected to pay up to your EFC amount before anyone considers pitching in funds to help you out. In this instance, the family will be ex-pected to pay the entire $25,000 COA without aid.

There are three formulas used to calculate your EFC:

1. The Federal Methodology 2. The Institutional Methodology 3. A mixture of the Federal Methodology and the Institutional Methodology

The question is which works for your situation(s)? You can calculate your own EFC at www.colleg-eboard.org if you like.

Calculating your EFC is like estimating what you will owe in taxes or get as a refund at tax time. The question is how do we make the numbers go in the more desirable direction? For that, you will likely need a college funding professional.

Unmet Financial Need

What remains is the unmet need, and how much is covered by you depends on the school you or your student is attending. Consider this like coinsurance on your health insurance policy. The great-er the coinsurance, the more aid money you will get in the form of scholarships, grants and loans. (Bear in mind that some schools will pick up 100% of the remaining need)! So long as this number remains high, you have a shot at free or borrowed money.



Types of Financial Aid

What you are trying to do is put yourself in a situation where your EFC is as low as possible, thus making your Unmet Need as high as possible. This is where the game comes into play. Yes, I said game. The college funding world has over $2.45 billion set aside per year for aid money. To put this into perspective, this is more that the state of Wisconsin is losing per year in the 2015-2017 budget window. How you play the game at this point determines how much of that free money is yours for school. Free money is one thing, which we’ll call gift money. There is also a possibility that much of your unmet need will be in the form of loans or work agreements, which we’ll call liability money.

Gift Money

What we are calling “gift money” is essentially money that you are awarded for school that wasn’t originally yours, you don’t have to pay it back and it doesn’t count as income. There are essentially three flavors of gift money:

1. Scholarships 2. Grants 3. Endowments

Scholarships

A scholarship is defined as a grant or payment made to support a student’s education, awarded on the basis of academic or other achievement. You can get free money based on various things such as academics, athletics, community service, religious or ethnic affiliation, gender identity, or even writing a compelling essay. At the end of the day, however, you get this money based on what you’ve achieved or who you are.

Grants

Grants are a sum of money given by an organization for a particular purpose. These typically come from government entities, foundations, trust, or even companies. These lean more on the “what you’ve done” activity rather that just being affiliated with something. Usually, this involves writing up a proposal or application. Still, you don’t have to pay it back.



Endowments

Endowments are a different animal in the gift money world. They are a financial asset donation made to a non-profit group or institution in the form of investment funds or other property that has a stated purpose at the request of the donor. What this means is “it is free money so long as X” (whatever the criterion is). It is truly a gift, but one that comes with conditions. This could mean you get this asset so long as you pursue cancer research or attend University X or be of a certain religious background. A lot of private schools were founded by wealthy families and set aside much of their massive wealth as a trust and endowment fund to be used as gift money for students at their institutions, so keep this in mind during your college search.

Now that we have discussed all the possible means of free money to help with your unmet needs, we now need to look at liability money.

Liability Money

Liability money is money that comes with conditions, but usually in the form of paying it back with interest payments or actual work hours. We commonly know the former as loans – you borrow X and pay it back with interest over time. The latter is what we call work study. This is where you can earn money for education, but you must work for it. A plus to this is that you don’t have to report it for tax purposes.

Loans

Loans have, for better or for worse (mostly worse), become a fixture of American finance. Instead of lecturing on America’s spendthrift ways and unnatural comfort with being in debt, a college loan makes sense because you are borrowing money to unlock career potential and thus a decent income stream. So long as this debt is handled maturely, it can be considered an investment. There are many kinds of loans, so be sure to do your homework. Some are like the financing you get at a car dealership: no payments until X date, and no interest until six months after graduation. Other loans, however, have steep interest rates and will kick in payments even before you have gradu-ated. Leverage a college funding professional to make sure you are getting the right stuff or your student may become bankrupt before he/she even dons his/her cap and gown.



Wages via Work Study

A work study program is basically you agree to work for the school in some capacity for pay (usually minimum wage), but you don’t have to report it during tax time. These jobs are usually checking out books for students at the library, tutoring fellow students at designated tutoring labs, proctor-ing computer labs, manning parking kiosks and gates, and even the student residence office. You are earning money that you can use to offset school expenses, which will not adversely affect you with Uncle Sam or your next round of college aid funding.

Personal and Family Funds

As we mentioned before, your EFC will be determined based on your household’s financial situa-tion as it pertains to income and liquid assets. I say liquid assets because schools do not consider retirement money or assets setup for benefit aside from college expenses. That career you have been building to get to a hefty six figure income? That will hurt your EFC. Those tens of thousands you have saved up at the bank or your brokerage account? Definitely more liabilities to your EFC. Those 529 plans and College IRAs you and the grandparents have been building over the years? Those are potentially more liabilities in your efforts for aid. So how does the average American family get ahead? How do we win this game of getting a col-lege degree without breaking the bank? We have worked so hard to generate decent income and put money away. Now we’re hearing that all our work is going to count against us? Don’t worry. Every system has loopholes and workarounds. Now, before you cry foul, consider that loopholes and workarounds are still legal. Just look at our tax system. So many people can make so much money and not pay much in taxes not because they are unethical, but because they know all the rules to the tax game. Isn’t it time you learned the rules to the college funding game?

Cash and Other Liquid Assets

Liquid assets are defined as any form of money that you can immediately access without major penalty. That 401(k) or IRA you’ve been building for the past few years? It’s not liquid if you are younger than 59 ½. You will pay a penalty for taking it out too soon. That CD you just opened up at the bank? That may have a penalty if you take the money out before the end of the maturity period.

Still, any form of liquid asset – savings, checking, CDs, money markets, stocks/bonds/mutual funds/ETFs held in non-retirement accounts – will be considered easily accessible and thus a means for paying for college. If you have all this money saved up, the schools are going to say “you’re go-ing to need to burn through some of that before we consider handing over any of our own money”. Note that I said some of that money, not all of it.



Each family is afforded what we call an asset exemption. This is essentially your buffer of liquid money they will not even consider or see before calculating your EFC. This may mean, for example, that of your $100,000 saved up in liquid assets, they will not look at the first $35,000. The remain-ing $65,000, however, will hurt your EFC and your subsequent unmet need. And that’s just the liquid money. There are still other assets that can hurt your chances for aid money.

529 Plans, Prepaid Plans, and College IRAs

Ever since your little bundle of joy came into this world, you’ve likely gone through a handful of worrying thoughts common to most parents. How can I keep him/her safe? Will I be a good par-ent? And how the heck are we going to pay for your education? For many families, they have been blessed with a mix of proper advice, planning, and help from family. Aside from cash assets, many families also set aside funds specifically for college, like 529 plans and College IRAs. These have tradeoffs as far as tax deductions, contribution amounts, and performance. But in the world of col-lege aid funding, these are big red flags if you want help with paying for school.

The way college funding counselors see it is like this:

Let’s say I’m a college funding counselor. You just submitted your FAFSA

and/or CSS Profile paperwork, and you indicated that you have amassed

about $100,000 in a 529 plan. It costs $35,000 per year to attend our

institution. We’re not just a school, remember? We’re a business. And for

us to stay in business, we need more money coming in than going out.

If you have all this money stored up, why should I give you a big, fat

financial package out of our endowment assets? If I was a smart counselor

(and I usually am), I’m going to make you spend down your own funds first

before I consider giving you some of ours. Besides, in the time it takes you

to spend down your 529 plan, this gives our endowment trust more time to

build gains. In the end, your savings for school will, indeed, be used for

school, and I’m going to make sure of that.



Other Assets

Other assets you may consider might be cashing in shares of stocks, bonds or other market-tied as-sets. For some families, this means selling off appreciating assets like rental properties. (Hey, if it meant attending Harvard or Stanford, you can always get another rental property again later.) The point is, some schools will ask about all your assets, not just what’s in the bank. If the only prop-erty you own is your primary residence, thankfully, they do not consider that. They just want to do their due diligence to make sure that you are not taking them for a ride. Another liability is a combination of cash flow and retirement assets. A common question on col-lege funding forms is “how much are you, the parent(s), currently contributing toward a retirement plan like a 401(k)?” If you provide an answer to this, they will see this as available cash flow. Essen-tially, if you have money to sock away for retirement, you have money to pay for college and this hurts your EFC. For every $10,000 you put away toward retirement, they will dial back your aid by $500. The rule of the college funding industry is: put it away before they reach college.

(Legally) Gaming the System

As we’ve mentioned before, you have to look at this as a game. I should stress, however, that you want to play this as ethically and legally as possible. Whether a creative college football coach or the Harlem Globetrotters, you can play a game at the razor’s edge of the rules and still look like you’ve gone crazy. So long as you’re in the boundaries, you’re fine. The thing is that so many families do not realize just how far out the boundaries go and what you can do on the playing field.

What is Allowed

The most common way to play the college funding game is reconfiguring assets. This means to move money around to other vehicles to which you can still have access without setting off the EFC alarms. To do this, you either need to be as knowledgeable as a licensed financial professional or you simply have to find one that is both (a) knowledgeable of how to properly reposition you and (b) able to help you out. Not to pick on specific professions, but your auto insurance agent, tax advisor and retirement professional may have limited ability because they work in the specialized knowledge of their respective fields. Our recommendation is to find someone that does this profes-sionally. If you cannot find such a person, simply email us and we’ll find someone in your area that can help you out.



Another tactic is repositioning residency and custody of the student. Residency is something small you can use to affect tuition if your ideal school is out of state and they do not have what we call undergraduate exchange. Undergraduate exchange is like Arizona State University will consider residents of California and Nevada as in-state students, saving those residents loads of money in tuition costs. If you live in California, however, and you want to attend NYU, you could send your student to live with the grandparents who live in New York State for the student’s remainder of their high school career. This is assuming you wanted the student to roll straight from high school into college.

Repositioning custody only applies to split family situations. If the parents had separated or di-vorced and share custody of the student, it would make sense to fill out paperwork as if the stu-dent lived primarily with the lower-earning household. Note I said household, not parent. If you have divorced and remarried, your new household income is what is considered, not your individual income. Another common and mistaken assumption by divorced parents filling out college aid paperwork is when they ask for the incomes of the parents, they fill out the incomes of both house-holds. Nothing messes up your chances for free aid money like reporting twice as much income as your household really makes! Instead, work out a civil agreement where you report the lower-earn-ing household as the primary custody of the student. This is on a case by case basis, so definitely work with a college funding professional on this one.

What is Not Allowed

I’m sure it goes without saying that tax evasion is illegal and not recommended. Remember: we’re playing within the rules, not breaking them. Misrepresenting income and assets on federal applica-tions is unlawful and unethical. Also consider that your student will be participating in this pro-cess, and aside from jeopardizing their college aid situation, you are also teaching him/her how to operate in an ethical and moral manner. We might not want to start out their adult life showing them that lying on applications for personal benefit is a good general practice. Play it safe. When it comes to filling out the paperwork for aid, the information must match what you report in your tax filings. (That, by the way, is a friendly hint.)

This ties into another general thing to avoid, and that is genuinely lying. As we mentioned in all the things you can do legally, that assumes you have actually done those things as reported. Don’t report your student lives in New York in their senior high school year when he is really in Washing-ton State. Don’t say you have $5,000 in the bank when you really have $50,000. And don’t report 75% custody to your ex-spouse because he/she makes less than you when the student sleeps at your house 100% of the time (and there is ample paperwork to back that up).

My recommendation is as follows: when in doubt, ask a professional.



What is Allowed, but Not Recommended

Home Equity

If absolutely needed, tapping into home equity makes sense if the conditions justify it. This means a proper overlap of market conditions, loan rates, fees, and college admissions conditions. Your home is an asset that is not calculated in your EFC, but that doesn’t mean you can’t tap into it. As I just mentioned, you can do so only if it makes sense.

For Example:You purchased your home in 1998 for $100,000. With market appreciation and the good fortune of not losing equity in the refinancing-like-an-ATM game of the late 2000s, your market value for the same house is now around $500,000 as of 2015. Also, assuming you have been paying the mortgage without too much toward principle, we could project that you have a good $400,000 at least in equity.It would only make sense to refinance the house and pull out equity if

1. Mortgage refinance rates are considerably low 2. The costs of closing and origination fees are not exorbitant 3. You really don’t have the cash, credit, or other means to fill in your remaining unmet financial need, and 4. Your student was accepted to an educational institution that would give him/her a considerable job market advantage for attending their program

Notice that I said it would only make sense if… This means that most, if not all, of these criteria must be met to justify tapping into your primary residence to pay for college. You may want to network your financial aid professional and mortgage professional to discuss this as a potential op-tion, and they are usually the only qualified professionals to have that discussion.

Retirement Assets

Another acceptable, yet cautioned, method of paying for school is tapping into retirement assets.



Assuming you are not facing major penalties and have sufficient remaining funds to live out a com-fortable retirement, you would be able to tap into various retirement vehicles to help pay for your student’s college costs. Ideally, this would be recommended if (a) you are past the age of 59 ½ and (b) the remaining balance of your assets is about 25X-30X what you need in basic annual living expenses.

I say 59 ½ as that is the age at which your 10% early withdrawal penalty from your 401(k) and IRAs falls off. I do want to stress, however, that if you have an annuity that you make sure you don’t incur any surrender charges for withdrawals over and above what is allowed. They are still great retirement vehicles, but everything has its proper use and timing.

I also suggest the 25X-30X remainder as most financial professionals would like to see 5% of your as-sets be taken out per year for retirement income. I know that 5% would mean you need 20X of your annual expenses, but I’m putting in a factor of safety for market risk and that I really do want you to have a good retirement life. This is, of course, at your own discretion.

Borrowing from Banks

Finally, you can, if absolutely necessary, borrow from other institutions. Just about anyone, provid-ed they have the money to do so, will lend you money with a healthy amount of interest. Too little interest and they’ll likely not lend it out; too much and you’ll likely not borrow. In the end, a loan that we can sustain to fill in any other gaps is a loan that makes sense. Rarely will you ever have to be in this situation, but have even seen a personal college buddy of mine who paid for every semester on a different credit card. Why, per se? I’m not entirely sure. I think it had to do with the myth that his folks made too much money and he didn’t qualify for aid, yet they didn’t have the cash to help him out. Whatever the case, it was possible, albeit not very smart. Safe to say, that any bank will lend you money. Should you do so? I believe this is a last resort and not a first one.

Free Resources

Below you will find a handful of resources that you can use to:

1. Plow through the college funding process on your own, if you have the desire and the available time to do so 2. Get a head start on some numbers to eventually take to a professional, or 3. At least get some concepts under your belt so that when you hand over this entire process to a professional, you can assess his/her competency



Personally, I recommend 2. or 3. because not many people try to do their own surgery or their own legal cases unless they are absolutely confident they will come out the other end better than when they went in. For the majority of us, we’re not surgeons or attorneys, and even they know to lever-age other professionals when it comes to their own needs. 1. www.fastweb.com: Includes not only a database of college funding methods, but also internships and career advice 2. www.bigfuture.collegeboard.org: Calculate your own EFC and get resources for place ment testing 3. www.forbes.com: Forbes magazine – a fantastic financial resource to compare college funding methods and strategies 4. www.kiplinger.com: A well known online resource to compare colleges and funding vehicles 5. www.CoPlanCFS.com: Free college planning and funding workshops and webinars, as well as a free EFC calculation

What Is CoPlan?

CoPlan is a group of highly trained advisers and educational specialists, in collaboration with the College Planning Network (CPN), whose purpose is to guide, enlighten, and ultimately to enrich the lives of families nationwide. CoPlan, in partnership with CPN, provides comprehensive career coun-seling, college selection, admissions assistance, and strategic financial guidance so that students may achieve their academic and personal goals. CoPlan ensures that parents are educated



regarding college’s real cost, financial aid resources available to them, and their options for invest-ment in their student’s education. CoPlan positions students to gain admission to their best-match colleges to help them to achieve a prosperous future, inspiring professional accomplishments and personal success. Our guiding principle is that through our work with CPN, CoPlan’s students will gain the self-confidence and life skills necessary to become exceptionally valuable, happy, produc-tive members of their school and their community while becoming the leaders of tomorrow.

We have successfully fulfilled - and continue to fulfill - this mission with thousands of families across the U.S. by helping them send their children to college, with the primary focus of getting students into their dream school while developing plans to make paying for it more easily afford-able. College Planning Network, LLC is a proud member of the Better Business Bureau (BBB), the National Association of College Funding Advisors (NACFA), the National Association for College Ad-missions Counseling (NACAC), the Student Affairs Administrators in Higher Education (NASPA), and the National Ethics Bureau.

After successfully amassing a team and building the CoPlan brokerage from the ground up, we have mastered the niche of the college funding advising industry. And every niche has its share of se-crets. This is one of the key reasons I am so passionate about helping families realize their dreams without limitations. One of the most powerful secrets I’ve learned is that private universities can actually cost less than public state schools!

Why You Need CoPlan

Honestly, the college application process and finding financial aid can be overwhelming for parents and students. So if the complexities of applying for college, filing the annual FAFSA, and keeping all the data straight is something you are not prepared to do on your own, or you simply need profes-sional assistance, CoPlan can help you. Our products and services fit every need:

1. Individual Assistance: One-on-one private college financial aid and admissions coaching

2. Membership Programs: Service packages offered by College Planning Network:

a. College Funding Strategiesb. Education Servicesc. Financial Aid Data Gathering & Processing

“CoPlan ensures that parents are educated regarding college’s real cost, financial aid resources available to them, and their options for

investment in their student’s education.”



d. Appealse. Value Added Services

3. Do It Yourself Online Tools & Resources

The “Co” in CoPlan is very important. My staff and I are working alongside you and your student. We’re co-planning, co-strategizing, co-working to make your child’s college dreams come true. We’re in it together. We are a trusted, full-service company helping you with everything from college applications to entrance essays, acceptance positioning to financial strategies, and more. We’ll even fill out and send the college applications for you if that’s what you choose.

If you and your family need help making use of this information, or you would like to find out how to better position your student to get into these private universities, contact us. We can invite you to attend one of our free on-demand webinars where we will cover this information as well as many of the common pitfalls that families experience, how to distinguish different kinds of finan-cial aid, and much more. On top of that, we offer a free consultation for families to help calculate their EFCs for them, as well as compare a handful of schools to get a glimpse of how much aid is available. CoPlan can work closely with you and your family to create a personalized plan just for your individual circumstances and needs.

As the founder and owner of CoPlan and as a licensed representative for CPN, I have been part of a team that has helped more than 17,000 students get accepted to the colleges of their choice and afford those educations. Most of these are families whose financial standing put them in the dif

CoPlan can help you. Our products and services fit every need.



ficult category of not qualifying for grants, but still just scraping by. Those 17,000 families were awarded more than $30 million in aid money. The average aid awarded to families was in excess of $19,000 with an additional $4,800 in appeals.

Unlike most college planning companies, CoPlan is eager to work side-by-side with you. I get a per-sonal thrill every time one of my clients is admitted to the college of their choice and can afford to attend. It means they get to achieve their personal and educational goals, their parents get to be proud of them, and I was able to help make it happen. There’s something special about a student who is the first in their entire family to attend college that warms my heart. I find it amazing when a student didn’t he or she they could really dream - until finding CoPlan - realize his or her dream.Some parents are unable to attend a free CoPlan presentation or meet with me or my staff indi-vidually, so we have created alternative tools for the do-it-yourself parent.

Every parent wants the best for their kids. But sometimes just affording what they need is all that is possible. So imagine your hard-working student wants to attend an Ivy League school, but you think only a public college is in your budget. But it IS possible to let your child’s hopes and dreams expand to include a prestigious school with CoPlan helping you find the financial aid needed to fund that aspiration. I’m not talking about student loans, but actual financial aid. I want you to know about the amazing college financing opportunities that are available to your kids. Again, it IS possible!

If you are one of the many families squeezed between the proverbial rock and hard place and financial aid is at the front of your mind, then CoPlan is for you. CoPlan will help you navigate the college financial aid system with practiced insight, proven methods, and years of experience.We want to thank you for your support of our services through our crowdfunding campaign, and we wish you the best of luck in your college endeavors. We appreciate your time and consideration, and we look forward to hearing back from you on your progress!

Sincerely,

Vasil Svolopoulos and the Team at CoPlan College Funding Service

“We offer a free consultation for families to help calculate their EFCs for them, as well as compare a handful of schools to get a

glimpse of how much aid is available.”


My Work: CoPlan Ebook Lead Magnet

Economy & Finance

Transcript of My Work: CoPlan Ebook Lead Magnet