长久以来,家长和学生在没有任何准备的情况下, 在听完高中所提供的最基本的大学助学金填表讲座 (Financial aid night)后, 家长甚至是高中生本人就匆忙填表, 结果可想而之。
在没有任何准备的情况下， 只有低收入, 低资产的家庭才能得到大学助学金。
of a Harvard Financial Aid Offer
of U Penn Financial Aid Offer
of Santa Clara U. Financial Aid Offer
of UCLA Financial Aid Offer
income family: Will pay much less taxes!!!
income family: Will pay much less taxes!!!
which color zone belongs to your family?
are different strategies to each color zone!!!
In theory, financial aid funds are supposed to go to those who need the money the most. In reality, financial aid dollars flow to those students and families who best understand how the financial aid process works. Here are some key points to remember:
* Don't forget. Higher education in America is big business. The college is trying to get you to pay the most money; but you are trying to pay the least amount. It can be very costly to assume that the college is going to show you how to get the most aid. As a college financial aid administrator quoted in the New York Times once said, "Parents
and students sometimes forget that we work for the school,
not for them." Indeed, articles in national publications have reported that a majority of private colleges are now hiring consultants and using various criteria to determine the smallest amount of aid they need to give in order to get students to attend their school. If you are just going to fill out the aid forms and then sit back and hope for the best, you're likely to be shocked and disappointed when the financial aid offers arrive in the mail.
* Don't initially rule out any school as being
too expensive. The amount of financial aid you
are eligible to receive is based on the relationship between
two items: the "cost of attendance"
and the "family contribution".
The cost of attendance represents the sum of tuition and
fees, room and board, books, transportation, and an allowance
for personal expenses. The family contribution is the
amount of money the college expects from the family for
the student's education in a particular year. If the cost
of attendance is greater than the family contribution,
you have demonstrated "need"
and are eligible for financial aid. So in theory once
the family contribution is determined, the greater the
cost of the school the more aid you are eligible to receive.
* Plan ahead. Just like your tax return, eligibility for financial aid is based on the student's junior year. To increase your chances of getting the most aid, if appropriate, make the necessary changes to lower your family contribution. Certain reductions in discretionary income items could increase your "need". You should also consider making the appropriate changes to assets, debts, certain expense items...
* Keep on top of the aid process. Financial
aid doesn't just happen. You get rewarded for paying attention
to details and utilizing a proactive approach to the entire
* Concentrate on the big money. The federal government, the state governments and the colleges themselves award the bulk of financial aid funds. Scholarships that are awarded by corporations, foundations, community groups and other organizations represent only a tiny piece of the financial aid pie. Unfortunately, many families mistakenly concentrate their time and energies pursuing those " little known scholarships" that supposedly go unclaimed each year.
Is the high cost of college causing you to lose sleep?
I can show you….
"How to Get Thousands of Dollars of FREE Money For
College…Regardless of Your Income and Asset Level
or How Good of a Student You Have"
My name is Michael Chen, College Financial Aid and
College Tax Specialist /大学教育资助& 大学税务专家.
If you are the parent of a child who plans on attending
a four year state or private college, I’ve got a
special free workshop just for you called "How to
avoid costly mistakes and get the inside story of how
to work the system."
This free Workshop will reveal astonishing ways to beat
the high cost of college that your high school guidance
counselor and the colleges aren’t telling you—but,
smart parents across the country are used to paying almost
nothing for college. In fact, hundreds who have attended
my seminars and read my information have discovered new
secrets and strategies to send their children to schools
they never thought they could afford.
I will stun you with
the following information:
The 5 greatest myths
about planning for college—and why listening to other
parents or a guidance counselor will cost you big time.
How to double, or
in some cases triple, your eligibility for FREE grant money.
How even millionaires and
parents making a good six figure income are getting tons
of free grant money, and how you can too!
Why your child’s
guidance counselor is the worst
source of information on college planning, and where to
go to get the truth.
How to get the colleges
to practically line up and beg your student
to come to their school.The amazing
way some parents put their kids through college, and end
up in better financial shape
than when they started—even though they hadn’t
saved a nickel for school.
The ONE single
mistake 91% of all parents make that costs them thousands….and
they don’t even realize it. PLUS, how YOU can avoid
making the same mistake.
What to do right
now if you haven’t saved a single dime
for college; or, what to do if you did save money for
not enough, you lost it all in the market, or you had
to spend it somewhere else. BONUS: How NOT to be punished
if you did save enough for college-- don’t lose
out because you were thrifty!
How to obtain a "tax
scholarship" to pay for ALL of your tuition—right
from the IRS. 100% legal, but not one in 1000 accountants
knows how to get it!
Why following the advice
of an accountant or financial planner can cost you buckets
of free money…AND, why you need to avoid the new
college savings plans like the plague!
Believe me, what you don’t know on this CAN cost
you a boatload.
NOTE: If you think you
make too much money to get any aid (or that’s what
you’ve been told), you absolutely MUST get this
information to learn the shocking truth about who really
DOES get money for college. There really is hope!
this information is like having a flashlight to explore
a pitch-black cave, while every other parent stumbles