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Educational Consultants
1001 Ogden Ave.
Suite 204
Downers Grove, IL

Financial Consultants
1717 North Naper Blvd
Suite 200
Naperville, IL

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Coronavirus Student Loan Scams: How to Spot and Avoid Them

For years, student loan scams have been tempting borrowers with empty or misleading promises that they can have their loans discharged or forgiven. These unscrupulous companies charge fees to enroll borrowers in free Department of Education programs and services including income-driven repayment plans, deferment and forbearance. Now, amid the coronavirus pandemic, a new crop of student loan scams have emerged. Their tactic is the same, except this time they're attempting to charge fees for the protections that are already afforded…

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6 Costly Mistakes Parents Make when Saving for College

Saving for college is undoubtedly important, but there are right and wrong ways to do it.  Be wary of these six common and costly mistakes that families make: Saving for college in your child's name Paying for college with the help of a grandparent or non-custodial parent Using retirement funds to pay for college Not using the financial aid appeals process Not applying to enough colleges Not starting early enough 1. Saving for college in your child’s name The form…

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Beware of Student Loan Scams!

Debt, despite how essential it is for many American families trying to afford college, can be in and of itself the cause for quite a bit of stress. When you factor in the further difficulty students are having finding employment after graduation, and loan management companies that can be less than forthcoming with information that could ease your repayment burdens, the tension only grows. Wouldn't it be great if there was a trick or a quick fix to help get…

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Income Sharing Agreements vs. Student Loans

The ever growing costs of college are often characterized as “an investment in one's future.” In a cruel twist of fate, the price of that investment remains on the rise, while its security begins to wane. What if we treated students as investments instead of debtors? Imagine that the amount you owe is entirely contingent on what you make. This is a reality at Purdue University and could become a well-needed alternative for students all over the country. College is very expensive, so…

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Parent Plus Loan Forgiveness

Parent Plus Loans: What You Need to Know

Why the Parent Plus Loan is not recommended by Financial Advisors Financial Advisors who have not been informed about of all the complexities in the Parent Plus Loan program have hesitated to recommend it as a way to pay for college. There are three important reasons for their reluctance: A loan given without any consideration given to income, assets, or income-to-debt ratio is going to hurt a lot of families.  Even the worst of our subprime lenders prior to the 2008 crash…

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Parent Plus Loan Forgiveness

Can Parent Plus Loan Forgiveness Rescue Some Families from a Lifetime of Debt?

Unbeknownst to many who are struggling to pay for college, the current loopholes in the Parent Plus Loan rules allow some families to receive full forgiveness on a boatload of college debt.   It’s not a viable strategy for everyone, it’s not a recommendation by any means, and there is quite a bit of controversy surrounding it, but there is a way to banish the bills from your Parent Plus Loan for good. But should you? Parent Plus Loans –…

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Analyzing your College Award Letters

College award letters are already fairly confusing. What's worse, they can often be somewhat misleading. This is especially problematic– considering major decisions are made based upon that first award letter; when the next one could be dramatically different. Before you accept a school’s award, there are a few steps you can take to better ensure you won't be left out in the cold later. Avoid the Bait and Switch What you see may not end up being what you get.…

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Css Profile

How To Get Help Filling Out Your CSS Profile

Applying to college is exciting but it’s also up there among some of the most stressful things you’ll ever do. Part of the reason for that is the confusing process of applying for financial aid.  If you’re like almost three-quarters of applicants recently surveyed by Citizens Bank, applying for financial aid is even more stressful than applying to colleges! So if you’re at your wits end about the aid process, you’re not alone. That same survey also revealed that over…

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College For Free Freshman Year For Free

Freshman Year for Free!

The name itself sounds appealing to anyone looking to cut the cost of college—the “Freshman Year for Free” program. Launched in August 2017 by Modern States Educational Alliance, the program provides more than 40 free online courses taught by top professors from top schools. Once students complete a course, they take an AP or CLEP exam giving them the opportunity to earn traditional academic credits at more than 2,900 major colleges and universities. We asked Steve Klinsky, founder and CEO of Modern States…

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College For Free Freshman Year For Free

Freshman Year of College for Free?

College for Free? As any family can attest, it takes a lot of time, effort, and attention to detail in order to successfully navigate the college admissions and student loan applications processes. So it’s easy to overlook valuable programs and resources that can really help families meet their overall college costs by actually making freshman year of college free! Learn and Earn While most  families know about Advanced Placement or AP courses and exams, there’s another often forgotten avenue to…

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