Generated by All in One SEO v4.9.8, this is an llms.txt file, used by LLMs to index the site. # College Planning Services ## Posts - [How to Compare Financial Aid Offers the Right Way](https://collegeplanningservices.org/how-to-compare-financial-aid-offers-the-right-way/) - How to Compare College Financial Aid Offers (Without Making a $100,000 Mistake) Two colleges. Two offers.One looks cheaper. But is it really? 👉 Most families compare financial aid incorrectly—and it can cost them six figures. The Illusion of the “Best Offer” Colleges present aid differently: Grants Loans Work-study Some inflate the “award” total. What You - [How to Appeal a Financial Aid Offer (And Actually Win)](https://collegeplanningservices.org/how-to-appeal-a-financial-aid-offer-and-actually-win/) - How to Appeal Your Financial Aid Offer—and Why Most Families Leave Money on the Table You open your financial aid package… and your heart sinks. It’s not enough. Not even close. Most families accept it and move on.But what they don’t realize is this: 👉 Financial aid offers are often negotiable. Why Colleges Expect Appeals - [What Is the Student Aid Index (SAI)—And Why It Doesn’t Mean What You Think](https://collegeplanningservices.org/what-is-the-student-aid-index-sai-and-why-it-doesnt-mean-what-you-think/) - What the Student Aid Index (SAI) Really Means for Your Family—and Why It Often Misleads Parents You open your financial aid report, and there it is—a number. The Student Aid Index (SAI).It looks official. It sounds precise. It feels like the answer. But here’s the truth: that number is not what your family will pay - [Using Home Equity to Pay College](https://collegeplanningservices.org/using-home-equity-to-pay-college/) - Using home equity to pay for college is a financial strategy that involves borrowing money against the equity in your home in order to pay for educational expenses. This can be a good option for people who have built up a significant amount of equity in their home and have a good credit score, as - [Are College Scholarships Taxable?](https://collegeplanningservices.org/are-college-scholarships-taxable/) - Whether or not scholarships are taxable depends on how the scholarship funds are used. In general, scholarships that are used for tuition, fees, books, and supplies are not taxable. However, scholarships that are used for non-educational expenses, such as room and board, travel, or personal expenses, may be taxable. If you receive a scholarship that - [When It Comes to College Tuition Is There Such Thing As A Free Lunch](https://collegeplanningservices.org/when-it-comes-to-college-tuition-is-there-such-thing-as-a-free-lunch/) - There is no such thing as a free lunch when it comes to college tuition. While financial aid and scholarships can help make college more affordable, it is rare to find a college that offers a completely free education. However, there are ways to make college more affordable, such as: Applying for financial aid: Most - [When A Rejection Letter is a Good Thing](https://collegeplanningservices.org/when-a-rejection-letter-is-a-good-thing-2/) - When A Rejection Letter Is A Good Thing Receiving a rejection letter can be disappointing, but it's important to try to keep things in perspective. Here are a few ways in which a rejection letter can actually be a good thing: It allows you to move on: Receiving a rejection letter can be difficult, but - [There's Still Time to Tour Perspective Colleges This Summer](https://collegeplanningservices.org/theres-still-time-to-tour-perspective-colleges-this-summer/) - If you're considering attending college in the fall, it's not too late to visit prospective colleges this summer. Touring colleges can be an important part of the decision-making process, as it can give you a sense of the campus culture, academic offerings, and overall atmosphere of the school. To make the most of your college - [Use Aptitude Testing to Prepare Your Child for Life and College](https://collegeplanningservices.org/use-aptitude-testing-to-prepare-your-child-for-life-and-college-2/) - Aptitude testing can be a helpful tool for preparing your child for life and college by identifying their strengths and interests. Aptitude tests measure natural abilities and potential, rather than learned knowledge or skills. There are several types of aptitude tests that can help your child identify their strengths and interests, including: Cognitive aptitude tests: - [How to Appeal Your Financial Aid Award](https://collegeplanningservices.org/how-to-appeal-your-financial-aid-award/) - If you are not satisfied with the financial aid award that you have received from your college or university, there are steps you can take to appeal the award. Here is a general outline of the process: Contact the financial aid office at your school and explain your situation. You may be able to negotiate - [Three Things to Look For On College Tours](https://collegeplanningservices.org/three-things-to-look-for-on-college-tours-2/) - Visiting college campuses can be a valuable part of the decision-making process when choosing a college. Here are three things to look for on college tours: Academic programs: Pay attention to the academic programs offered at each college. Look for a range of majors and degree options, and consider the quality and reputation of the - [Why Colleges Are Going SAT Optional](https://collegeplanningservices.org/why-colleges-are-going-sat-optional-2/) - There are several reasons why some colleges and universities have decided to make the SAT or ACT optional for admissions. Some of the main reasons include: Equity: Some colleges and universities believe that the SAT and ACT are not always accurate indicators of a student's potential and can be biased against certain groups, such as - [Is It Best to Apply Early to College?](https://collegeplanningservices.org/is-it-best-to-apply-early-to-college-2/) - It can be beneficial to apply to college early, as many colleges and universities have early decision or early action programs that allow you to apply and receive a decision earlier than the regular application deadline. This can give you an advantage in the admissions process, as some schools may prioritize early applicants or have - [Preparation Is Key When Applying Early To College](https://collegeplanningservices.org/preparation-is-key-when-applying-early-to-college-2/) - Applying early to college, either through Early Decision or Early Action programs, can be a competitive process that requires careful preparation. Here are some tips for preparing to apply early to college: Start early: Begin your college search and application process early in your junior year of high school. This will give you plenty of - [College FAQ About College Admissions and Costs](https://collegeplanningservices.org/college-faq-about-college-admissions-and-costs-2/) - What are the admissions requirements for a particular college? What is the acceptance rate for a particular college? What is the average GPA and test scores for accepted students at a particular college? What financial aid options are available at a particular college? How much does tuition and fees cost at a particular college? How - [Where Colleges Spend Your Tuition Dollars](https://collegeplanningservices.org/where-colleges-spend-your-tuition-dollars-2/) - Colleges and universities use tuition dollars to fund a wide range of expenses, including: Faculty and staff salaries: A significant portion of tuition dollars goes towards paying faculty and staff salaries. This includes full-time professors, as well as part-time instructors and support staff. Campus infrastructure: Tuition dollars are also used to maintain and improve campus - [How To Ace The College Application Process](https://collegeplanningservices.org/how-to-ace-the-college-application-process-2-2/) - The college application process can be competitive and stressful, but there are steps you can take to increase your chances of being accepted to your dream school. Here are some tips to help you ace the college application process: Start early: It is never too early to start thinking about the college application process. Begin - [Common Mistakes Made By College Freshmen](https://collegeplanningservices.org/common-mistakes-made-by-college-freshmen-2-2/) - Not budgeting: Many college freshmen make the mistake of not budgeting their money, which can lead to overspending and financial difficulties. It's important to create a budget and stick to it in order to avoid financial problems. Skipping class: Some college freshmen may be tempted to skip class, especially if they feel overwhelmed or stressed. - [Is the FAFSA a Friend or Foe?](https://collegeplanningservices.org/is-the-fafsa-a-friend-or-foe/) - The mere mention of the term FAFSA, which stands for Free Application for Federal Student Aid, can strike fear into grown and otherwise reasonable adults. Parents of prospective college students are terrified of FAFSA, and just the mere thought of logging in to apply for financial aid can make them panicky, tense, and anxious. But the truth - [Sallie Mae is not a Person](https://collegeplanningservices.org/sallie-mae-is-not-a-person/) - You are correct that Sallie Mae is not a person. Sallie Mae is a publicly traded financial services company that provides student loans, education financing, and other financial products and services to students, families, and schools. The company was originally created in 1972 as a government-sponsored enterprise (GSE) to provide federally guaranteed student loans. In - [Don't Let Stress Invade Your College Decision #3](https://collegeplanningservices.org/dont-let-stress-invade-your-college-decision-2/) - It's natural to feel stressed during the college decision-making process, as it's a big decision that can have a significant impact on your future. However, it's important to try to keep stress in check and not let it completely take over the decision-making process. Here are some tips for managing stress during the college decision-making - [College FAQ About College Admissions and Costs](https://collegeplanningservices.org/college-faq-about-college-admissions-and-costs/) - What are the admissions requirements for a particular college? What is the acceptance rate for a particular college? What is the average GPA and test scores for accepted students at a particular college? What financial aid options are available at a particular college? How much does tuition and fees cost at a particular college? How - [Preparation Is Key When Applying Early To College](https://collegeplanningservices.org/preparation-is-key-when-applying-early-to-college/) - Applying early to college, either through Early Decision or Early Action programs, can be a competitive process that requires careful preparation. Here are some tips for preparing to apply early to college: Start early: Begin your college search and application process early in your junior year of high school. This will give you plenty of - [There’s Still Time To Tour Prospective Colleges This Summer](https://collegeplanningservices.org/theres-still-time-to-tour-prospective-colleges-this-summer/) - If you're considering attending college in the fall, it's not too late to visit prospective colleges this summer. Touring colleges can be an important part of the decision-making process, as it can give you a sense of the campus culture, academic offerings, and overall atmosphere of the school. To make the most of your college - [How to Manage the Stress of Paying for College](https://collegeplanningservices.org/how-to-manage-the-stress-of-paying-for-college-2/) - Create a budget: Developing a budget can help you understand your financial situation and determine how much you can realistically afford to pay for college. This can help reduce stress and give you a sense of control over your financial decisions. Explore financial aid options: There are many financial aid options available to help students - [Do Parents Automatically Qualify For PLUS Loans?](https://collegeplanningservices.org/do-parents-automatically-qualify-for-plus-loans/) - Parents do not automatically qualify for PLUS loans. In order to be eligible for a PLUS loan, parents must meet certain criteria, including: The student for whom the parent is borrowing must be a dependent undergraduate student enrolled at least half-time in an eligible program. The parent must be the student's biological or adoptive parent, - [Loan Options For College](https://collegeplanningservices.org/loan-options-for-college/) - There are several loan options available to help pay for college, including federal and private loans. Here is a brief overview of some of the main loan options: Federal student loans: Federal student loans are loans provided by the government to help students pay for college. They are generally considered to be a more affordable - [Are Scholarships Taxable?](https://collegeplanningservices.org/are-scholarships-taxable/) - Whether or not scholarships are taxable depends on how the scholarship funds are used. In general, scholarships that are used for tuition, fees, books, and supplies are not taxable. However, scholarships that are used for non-educational expenses, such as room and board, travel, or personal expenses, may be taxable. If you receive a scholarship that - [When It Comes to College Tuition Is There Such A Thing As A Free Lunch?](https://collegeplanningservices.org/when-it-comes-to-college-tuition-is-there-such-a-thing-as-a-free-lunch-2/) - There is no such thing as a free lunch when it comes to college tuition. While financial aid and scholarships can help make college more affordable, it is rare to find a college that offers a completely free education. However, there are ways to make college more affordable, such as: Applying for financial aid: Most - [Using Home Equity To Pay For College](https://collegeplanningservices.org/using-home-equity-to-pay-for-college-2/) - Using home equity to pay for college is a financial strategy that involves borrowing money against the equity in your home in order to pay for educational expenses. This can be a good option for people who have built up a significant amount of equity in their home and have a good credit score, as - [Don't Let Stress Invade Your College Decision](https://collegeplanningservices.org/dont-let-stress-invade-your-college-decision/) - It's natural to feel stressed during the college decision-making process, as it's a big decision that can have a significant impact on your future. However, it's important to try to keep stress in check and not let it completely take over the decision-making process. Here are some tips for managing stress during the college decision-making - [5 Misconceptions About College Financing](https://collegeplanningservices.org/5-misconceptions-about-college-financing-2/) - You need to be wealthy to afford college: While it's true that college can be expensive, there are many financial aid options available to help students pay for higher education. These options include grants, scholarships, and loans, and can significantly reduce the overall cost of college. Scholarships are only for high achieving students: While it's - [3 Hard Truths About Who Gets Financial Aid](https://collegeplanningservices.org/3-hard-truths-about-who-gets-financial-aid-2/) - Not everyone who needs financial aid will receive it. Financial aid is often limited and may not be enough to cover all of a student's educational expenses. Students may need to seek additional funding sources, such as private loans, scholarships, or grants. Financial aid is often based on financial need. In order to qualify for - [5 Mistakes Parents Make When Paying For College](https://collegeplanningservices.org/5-mistakes-parents-make-when-paying-for-college-2/) - Not applying for financial aid: Many parents assume that they won't be eligible for financial aid, but this is not always the case. It's important to complete the Free Application for Federal Student Aid (FAFSA) to determine your eligibility for grants, scholarships, and loans. Not considering alternative options: Parents often focus on traditional four-year colleges, - [Beware of the Scholarship Scam](https://collegeplanningservices.org/beware-of-the-scholarship-scam-2/) - There are many scholarship scams out there that aim to take advantage of students who are looking for financial aid to pay for their education. Here are some tips to help you avoid scholarship scams: Be wary of any organization that charges a fee to apply for a scholarship or to access a list of - [How Do You Pick The Right College?](https://collegeplanningservices.org/how-do-you-pick-the-right-college/) - There are several factors to consider when picking the right college: Academic programs: Consider which academic programs are most important to you and look for colleges that offer those programs. Research the faculty, course offerings, and resources available within those programs to ensure they align with your interests and goals. Location: Consider where you want - [The College Board:  More Than The SAT](https://collegeplanningservices.org/the-college-board-more-than-the-sat-2/) - The College Board is a non-profit organization that provides a range of services and resources to students, families, and schools. While it is best known for administering the SAT, a standardized test used for college admissions, the College Board offers many other services and resources beyond just the SAT. Some of the other programs and - [Filling Out The FAFSA For Divorced Parents](https://collegeplanningservices.org/filling-out-the-fafsa-for-divorced-parents/) - If your parents are divorced, you will need to provide information about both of them when filling out the Free Application for Federal Student Aid (FAFSA). Here are some general guidelines to follow: Determine which parent you should report on the FAFSA. You will generally need to report the financial information of the parent with - [The Dangers Of Awarding Merit Scholarships](https://collegeplanningservices.org/the-dangers-of-awarding-merit-scholarships-2/) - Merit scholarships, which are awarded based on a student's academic, athletic, or other achievements, can be a valuable resource for students who are looking to pay for their education. However, there are also potential dangers to consider when awarding merit scholarships. One potential danger is that merit scholarships may disproportionately benefit students from more privileged - [The College Admissions Process Is Completely Broken](https://collegeplanningservices.org/the-college-admissions-process-is-completely-broken-2/) - Affordability: The cost of tuition and fees at many colleges and universities has risen significantly in recent years, making it difficult for many students and families to afford higher education. This has led to an increase in student loan debt and a decline in college enrollment. Accessibility: Some critics argue that the admissions process is - [A Perspective On College Scholarships](https://collegeplanningservices.org/a-perspective-on-college-scholarships-2/) - There are many different types of college scholarships available to students, including merit-based scholarships, need-based scholarships, and scholarships based on specific characteristics such as ethnicity, religion, or career goals. Scholarships can be a valuable resource for students who are looking to pay for their education, as they can help offset the cost of tuition and - [What Is A Likely Letter?](https://collegeplanningservices.org/what-is-a-likely-letter-2/) - A likely letter is a notification from a college or university that a student is likely to be accepted to the school, provided that the student maintains their current academic and extracurricular standing. This type of letter is typically sent to students who are among the top candidates for admission and are considered strong contenders - [Plan Now For The College Application Process If You Are The Parent of A High School Student](https://collegeplanningservices.org/plan-now-for-the-college-application-process-if-you-are-the-parent-of-a-high-school-student-2/) - If you are the parent of a high school student who is planning to apply to college, here are some steps you can take to help support your child's application process: Start early: Encourage your child to begin thinking about college early on in their high school career. This will give them plenty of time - [Stressing Out With The College Financial Aid Process](https://collegeplanningservices.org/stressing-out-with-the-college-financial-aid-process/) - The college financial aid process can be stressful, especially for students and families who are trying to figure out how to pay for college. Here are some tips for managing stress during the financial aid process: Start early: It's important to start the financial aid process early, as some forms and deadlines can be months - [Fill Out The CSS Profile Application To Apply For Non-Federal Financial Aid](https://collegeplanningservices.org/fill-out-the-css-profile-application-to-apply-for-non-federal-financial-aid-2/) - The CSS (College Scholarship Service) Profile is an online application that is used by many colleges and universities to determine a student's eligibility for non-federal financial aid, such as grants, scholarships, and loans from the school itself or from private organizations. To fill out the CSS Profile application, you will need to follow these steps: - [College Costs – Numbers That Might Surprise You](https://collegeplanningservices.org/college-costs-numbers-that-might-surprise-you-2/) - The cost of attending college can vary widely depending on the type of school, the location, and the program of study. Here are some numbers that might surprise you about college costs: The average cost of tuition and fees for a public four-year college is around $10,000 per year for in-state students and $26,000 per - [5 Reasons To Know Your EFC Before You Even Apply To College](https://collegeplanningservices.org/5-reasons-to-know-your-efc-before-you-even-apply-to-college-2/) - It can help you determine which colleges you can afford: Your Expected Family Contribution (EFC) is a measure of how much your family is expected to contribute to your college education, based on your family's financial situation. Knowing your EFC can help you narrow down the list of colleges you are considering based on what - [A, B or C?  Giving Your Prospective Colleges A Grade](https://collegeplanningservices.org/a-b-or-c-giving-your-prospective-colleges-a-grade-2/) - Giving your prospective colleges a grade can be a helpful way to compare and evaluate your options. Here are some factors you may want to consider when grading your prospective colleges: A) Academic programs: Consider the quality and reputation of the academic programs at each college. Look at the faculty, curriculum, and resources available to - [The ABCs Of The FAFSA](https://collegeplanningservices.org/the-abcs-of-the-fafsa-2/) - The Free Application for Federal Student Aid (FAFSA) is the primary application that students use to apply for federal student aid, such as grants, loans, and work-study. Here are the ABCs of the FAFSA: A: Eligibility: To be eligible for federal student aid, you must meet certain basic requirements. You must be a U.S. citizen - [Saving For College 101](https://collegeplanningservices.org/saving-for-college-101-2/) - Saving for college can be a daunting task, but it's important to start early and make a plan in order to make college more affordable. Here are some tips for saving for college: Start early: The earlier you start saving for college, the more time you have to take advantage of compound interest and potentially - [College Students Lack Study Habits](https://collegeplanningservices.org/college-students-lack-study-habits-2/) - It's not uncommon for college students to struggle with study habits, as the transition to college can be challenging and many students are not used to the increased demands and expectations of college-level coursework. Here are some tips for improving study habits in college: Find a good study space: It's important to find a quiet, - [Every Family Needs A Doctor, Dentist, Lawyer and College Financial Planner](https://collegeplanningservices.org/every-family-needs-a-doctor-dentist-lawyer-and-college-financial-planner-2/) - It is important for families to have access to a variety of professionals who can provide support and guidance in various areas of life. A doctor can provide medical care and treatment, a dentist can help with dental health, a lawyer can provide legal representation and advice, and a college financial planner can help families - [Being Aware Of Mental Health Issues and Learning Disabilities In College](https://collegeplanningservices.org/being-aware-of-mental-health-issues-and-learning-disabilities-in-college-2/) - It is important for college students to be aware of their mental health and any learning disabilities they may have in order to ensure their success and well-being in college. If you are struggling with mental health issues, it is important to seek help and support. Many colleges and universities offer mental health counseling and - [Is FAFSA A Friend Or A Foe?](https://collegeplanningservices.org/is-fafsa-a-friend-or-a-foe-2/) - The Free Application for Federal Student Aid (FAFSA) is a friend, not a foe, for students who are seeking financial aid for college. The FAFSA is a form that students must complete in order to be considered for financial aid, including grants, scholarships, and loans. While the FAFSA can be a daunting process, it is - [Advice For College Freshmen](https://collegeplanningservices.org/advice-for-college-freshmen-2/) - Get involved: College is a great opportunity to get involved in extracurricular activities, clubs, and organizations. This can be a great way to meet new people, build your resume, and explore new interests. Take care of yourself: College can be stressful, so it's important to make time for self-care. This can include exercising, eating well, - [Transition Stress For The College Bound Student](https://collegeplanningservices.org/transition-stress-for-the-college-bound-student-2/) - Going to college can be a major transition, and it’s common for students to feel stressed or anxious about it. Here are a few tips for managing the stress of this transition: Prepare in advance: Start packing and getting organized well ahead of time. This can help reduce the stress of last-minute tasks and give - [How To Say Goodbye To Your Child On The First Day of College](https://collegeplanningservices.org/how-to-say-goodbye-to-your-child-on-the-first-day-of-college-2/) - Saying goodbye to your child on the first day of college can be a difficult and emotional experience for both you and your child. Here are some tips for making the transition smoother: Plan ahead: Pack your child's belongings and make arrangements for their transportation to campus in advance. This can help reduce stress on - [Teaching A College Freshman Financial Responsibility](https://collegeplanningservices.org/teaching-a-college-freshman-financial-responsibility-2/) - Teaching a college freshman financial responsibility is an important part of preparing them for independence and success in the real world. Here are some tips for teaching financial responsibility to a college freshman: Set a budget: Help your child create a budget and set financial goals. This can involve establishing a spending plan, setting limits - [Common Mistakes Made By College Freshmen](https://collegeplanningservices.org/common-mistakes-made-by-college-freshmen-2/) - Not budgeting: Many college freshmen make the mistake of not budgeting their money, which can lead to overspending and financial difficulties. It's important to create a budget and stick to it in order to avoid financial problems. Skipping class: Some college freshmen may be tempted to skip class, especially if they feel overwhelmed or stressed. - [How To Ace The College Application Process](https://collegeplanningservices.org/how-to-ace-the-college-application-process-2/) - The college application process can be competitive and stressful, but there are steps you can take to increase your chances of being accepted to your dream school. Here are some tips to help you ace the college application process: Start early: It is never too early to start thinking about the college application process. Begin - [Understanding the Student Aid Report (SAR)](https://collegeplanningservices.org/understanding-the-student-aid-report-sar-2/) - The Student Aid Report (SAR) is a document that is generated after you submit the Free Application for Federal Student Aid (FAFSA). It provides a summary of the information you provided on your FAFSA and indicates whether you are eligible for federal student aid, such as grants, loans, and work-study. The SAR includes several important - [How Do You Pick The Right College](https://collegeplanningservices.org/how-do-you-pick-the-right-college-2/) - There are several factors to consider when picking the right college: Academic programs: Consider which academic programs are most important to you and look for colleges that offer those programs. Research the faculty, course offerings, and resources available within those programs to ensure they align with your interests and goals. Location: Consider where you want - [College Decision: Logical or Emotional](https://collegeplanningservices.org/college-decision-logical-or-illogical/) - Choosing a college is a significant decision that can have a big impact on your future. It’s important to consider both logical and emotional factors when making this decision. Here are a few things to consider: Logical factors: Some of the logical factors to consider when choosing a college include the cost of tuition and - [Is the Education Worth the Risk at For Profit Colleges?](https://collegeplanningservices.org/is-the-education-worth-the-risk-at-for-profit-colleges/) - It's important to carefully consider whether the education offered by a for-profit college is worth the risk, as these institutions have been the subject of much scrutiny and controversy. Some potential risks to consider when deciding whether to attend a for-profit college include: High cost: For-profit colleges often have higher tuition and fees than public - [Keeping Elite Colleges Affordable with Pell Grants](https://collegeplanningservices.org/keeping-elite-colleges-affordable-with-pell-grants/) - Pell Grants are a form of financial aid offered by the federal government to help low-income students afford college. These grants do not need to be repaid and are awarded based on financial need, as determined by the Free Application for Federal Student Aid (FAFSA). Elite colleges, which often have high tuition and other costs, - [What is a "Likely" Letter?](https://collegeplanningservices.org/what-is-a-likely-letter/) - A "likely" letter is a notification from a college or university that a student is likely to be accepted to the school, provided that the student maintains their current academic and extracurricular standing. This type of letter is typically sent to students who are among the top candidates for admission and are considered strong contenders - [A Perspective on College Scholarships](https://collegeplanningservices.org/a-perspective-on-college-scholarships/) - There are many different types of college scholarships available to students, including merit-based scholarships, need-based scholarships, and scholarships based on specific characteristics such as ethnicity, religion, or career goals. Scholarships can be a valuable resource for students who are looking to pay for their education, as they can help offset the cost of tuition and - [The College Admissions Process is Completely Broken](https://collegeplanningservices.org/the-college-admissions-process-is-completely-broken/) - Affordability: The cost of tuition and fees at many colleges and universities has risen significantly in recent years, making it difficult for many students and families to afford higher education. This has led to an increase in student loan debt and a decline in college enrollment. Accessibility: Some critics argue that the admissions process is - [The Dangers of Awarding Merit Scholarships](https://collegeplanningservices.org/the-dangers-of-awarding-merit-scholarships/) - Merit scholarships, which are awarded based on a student's academic, athletic, or other achievements, can be a valuable resource for students who are looking to pay for their education. However, there are also potential dangers to consider when awarding merit scholarships. One potential danger is that merit scholarships may disproportionately benefit students from more privileged - [Filing Out the FAFSA for Divorced Parents](https://collegeplanningservices.org/filing-out-the-fafsa-for-divorced-parents/) - If your parents are divorced, you will need to provide information about both of them when filling out the Free Application for Federal Student Aid (FAFSA). Here are some general guidelines to follow: Determine which parent you should report on the FAFSA. You will generally need to report the financial information of the parent with - [The College Board: More Than the SAT](https://collegeplanningservices.org/the-college-board-more-than-the-sat/) - The College Board is a non-profit organization that provides a range of services and resources to students, families, and schools. While it is best known for administering the SAT, a standardized test used for college admissions, the College Board offers many other services and resources beyond just the SAT. Some of the other programs and - [Plan Now for the College Application Process if You are the Parent of a High School Student](https://collegeplanningservices.org/plan-now-for-the-college-application-process-if-you-are-the-parent-of-a-high-school-student/) - If you are the parent of a high school student who is planning to apply to college, here are some steps you can take to help support your child's application process: Start early: Encourage your child to begin thinking about college early on in their high school career. This will give them plenty of time - [College Application Stress](https://collegeplanningservices.org/college-application-stress/) - It's normal to feel stress and anxiety when you are preparing to go to college. The process of applying to colleges, making a decision about where to go, and figuring out how to pay for it can be overwhelming. Here are a few things you can do to manage your stress: Take breaks: Make sure - [Stressing Out About the College Financial Aid Process](https://collegeplanningservices.org/stressing-out-about-the-college-financial-aid-process/) - The college financial aid process can be stressful, especially for students and families who are trying to figure out how to pay for college. Here are some tips for managing stress during the financial aid process: Start early: It's important to start the financial aid process early, as some forms and deadlines can be months - [Fill Out the CSS Profile Application to Apply for Non-Federal Financial Aid](https://collegeplanningservices.org/fill-out-the-css-profile-application-to-apply-for-non-federal-financial-aid/) - The CSS (College Scholarship Service) Profile is an online application that is used by many colleges and universities to determine a student's eligibility for non-federal financial aid, such as grants, scholarships, and loans from the school itself or from private organizations. To fill out the CSS Profile application, you will need to follow these steps: - [College Costs - Numbers That Might Surprise You](https://collegeplanningservices.org/college-costs-numbers-that-might-surprise-you/) - The cost of attending college can vary widely depending on the type of school, the location, and the program of study. Here are some numbers that might surprise you about college costs: The average cost of tuition and fees for a public four-year college is around $10,000 per year for in-state students and $26,000 per - [5 Reasons to Know Your EFC Before You Even Apply to College](https://collegeplanningservices.org/5-reasons-to-know-your-efc-before-you-even-apply-to-college/) - It can help you determine which colleges you can afford: Your Expected Family Contribution (EFC) is a measure of how much your family is expected to contribute to your college education, based on your family's financial situation. Knowing your EFC can help you narrow down the list of colleges you are considering based on what - [A, B or C? Giving Your Prospective Colleges a Grade](https://collegeplanningservices.org/a-b-or-c-giving-your-prospective-colleges-a-grade/) - Giving your prospective colleges a grade can be a helpful way to compare and evaluate your options. Here are some factors you may want to consider when grading your prospective colleges: A) Academic programs: Consider the quality and reputation of the academic programs at each college. Look at the faculty, curriculum, and resources available to - [The ABCs of the FAFSA](https://collegeplanningservices.org/the-abcs-of-the-fafsa/) - The Free Application for Federal Student Aid (FAFSA) is the primary application that students use to apply for federal student aid, such as grants, loans, and work-study. Here are the ABCs of the FAFSA: A: Eligibility: To be eligible for federal student aid, you must meet certain basic requirements. You must be a U.S. citizen - [Saving for College 101](https://collegeplanningservices.org/saving-for-college-101/) - Saving for college can be a daunting task, but it's important to start early and make a plan in order to make college more affordable. Here are some tips for saving for college: Start early: The earlier you start saving for college, the more time you have to take advantage of compound interest and potentially - [College Students Lack Study Habits](https://collegeplanningservices.org/college-students-lack-study-habits/) - It's not uncommon for college students to struggle with study habits, as the transition to college can be challenging and many students are not used to the increased demands and expectations of college-level coursework. Here are some tips for improving study habits in college: Find a good study space: It's important to find a quiet, - [Every Family Needs a Doctor, Dentist, Lawyer and College Financial Planner](https://collegeplanningservices.org/every-family-needs-a-doctor-dentist-lawyer-and-college-financial-planner/) - It is important for families to have access to a variety of professionals who can provide support and guidance in various areas of life. A doctor can provide medical care and treatment, a dentist can help with dental health, a lawyer can provide legal representation and advice, and a college financial planner can help families - [Being Aware of Mental Health Issues and Learning Disabilities in College](https://collegeplanningservices.org/being-aware-of-mental-health-issues-and-learning-disabilities-in-college/) - It is important for college students to be aware of their mental health and any learning disabilities they may have in order to ensure their success and well-being in college. If you are struggling with mental health issues, it is important to seek help and support. Many colleges and universities offer mental health counseling and - [Is FAFSA A Friend Or A Foe?](https://collegeplanningservices.org/is-fafsa-a-friend-or-a-foe/) - The Free Application for Federal Student Aid (FAFSA) is a friend, not a foe, for students who are seeking financial aid for college. The FAFSA is a form that students must complete in order to be considered for financial aid, including grants, scholarships, and loans. While the FAFSA can be a daunting process, it is - [Advice For College Freshmen](https://collegeplanningservices.org/advice-for-college-freshmen/) - Get involved: College is a great opportunity to get involved in extracurricular activities, clubs, and organizations. This can be a great way to meet new people, build your resume, and explore new interests. Take care of yourself: College can be stressful, so it's important to make time for self-care. This can include exercising, eating well, - [Transition Stress For The College Bound Student](https://collegeplanningservices.org/transition-stress-for-the-college-bound-student/) - Going to college can be a major transition, and it’s common for students to feel stressed or anxious about it. Here are a few tips for managing the stress of this transition: Prepare in advance: Start packing and getting organized well ahead of time. This can help reduce the stress of last-minute tasks and give - [Teaching A College Freshman Financial Responsibility](https://collegeplanningservices.org/teaching-a-college-freshman-financial-responsibility/) - Teaching a college freshman financial responsibility is an important part of preparing them for independence and success in the real world. Here are some tips for teaching financial responsibility to a college freshman: Set a budget: Help your child create a budget and set financial goals. This can involve establishing a spending plan, setting limits - [How To Say Goodbye To Your Child On The First Day of College](https://collegeplanningservices.org/how-to-say-goodbye-to-your-child-on-the-first-day-of-college/) - Saying goodbye to your child on the first day of college can be a difficult and emotional experience for both you and your child. Here are some tips for making the transition smoother: Plan ahead: Pack your child's belongings and make arrangements for their transportation to campus in advance. This can help reduce stress on - [Common Mistakes Made By College Freshmen](https://collegeplanningservices.org/common-mistakes-made-by-college-freshmen/) - Not budgeting: Many college freshmen make the mistake of not budgeting their money, which can lead to overspending and financial difficulties. It's important to create a budget and stick to it in order to avoid financial problems. Skipping class: Some college freshmen may be tempted to skip class, especially if they feel overwhelmed or stressed. - [How To Ace The College Application Process](https://collegeplanningservices.org/how-to-ace-the-college-application-process/) - The college application process can be competitive and stressful, but there are steps you can take to increase your chances of being accepted to your dream school. Here are some tips to help you ace the college application process: Start early: It is never too early to start thinking about the college application process. Begin - [Where Colleges Spend Your Tuition Dollars](https://collegeplanningservices.org/where-colleges-spend-your-tuition-dollars/) - Colleges and universities use tuition dollars to fund a wide range of expenses, including: Faculty and staff salaries: A significant portion of tuition dollars goes towards paying faculty and staff salaries. This includes full-time professors, as well as part-time instructors and support staff. Campus infrastructure: Tuition dollars are also used to maintain and improve campus - [Is It Best To Apply Early To College?](https://collegeplanningservices.org/is-it-best-to-apply-early-to-college/) - It can be beneficial to apply to college early, as many colleges and universities have early decision or early action programs that allow you to apply and receive a decision earlier than the regular application deadline. This can give you an advantage in the admissions process, as some schools may prioritize early applicants or have - [Why Colleges Are Going SAT-Optional](https://collegeplanningservices.org/why-colleges-are-going-sat-optional/) - There are several reasons why some colleges and universities have decided to make the SAT or ACT optional for admissions. Some of the main reasons include: Equity: Some colleges and universities believe that the SAT and ACT are not always accurate indicators of a student's potential and can be biased against certain groups, such as - [Three Things To Look For On College Tours](https://collegeplanningservices.org/three-things-to-look-for-on-college-tours/) - Visiting college campuses can be a valuable part of the decision-making process when choosing a college. Here are three things to look for on college tours: Academic programs: Pay attention to the academic programs offered at each college. Look for a range of majors and degree options, and consider the quality and reputation of the - [The Must Read Chart For All Parents Thinking About Paying for College](https://collegeplanningservices.org/the-must-read-chart-for-all-parents-thinking-about-paying-for-college/) - Tuition and fees: This chart should provide information on the cost of tuition and fees at various colleges and universities, as well as any discounts or financial aid options that may be available. Room and board: This chart should provide information on the cost of housing and meals at each college, including whether or not - [Use Aptitude Testing To Prepare Your Child For Life And College](https://collegeplanningservices.org/use-aptitude-testing-to-prepare-your-child-for-life-and-college/) - Aptitude testing can be a helpful tool for preparing your child for life and college by identifying their strengths and interests. Aptitude tests measure natural abilities and potential, rather than learned knowledge or skills. There are several types of aptitude tests that can help your child identify their strengths and interests, including: Cognitive aptitude tests: - [How To Appeal Your College Financial Aid Award](https://collegeplanningservices.org/how-to-appeal-your-college-financial-aid-award/) - If you are not satisfied with the financial aid award that you have received from your college or university, there are steps you can take to appeal the award. Here is a general outline of the process: Contact the financial aid office at your school and explain your situation. You may be able to negotiate - [Financial Aid Appeal: The College Perspective](https://collegeplanningservices.org/financial-aid-appeal-the-college-perspective/) - If a college or university denies a student's financial aid application, the student may be able to appeal the decision. Here is a brief overview of the college perspective on financial aid appeals: Colleges and universities want to help students afford their education: Most colleges and universities want to help their students afford their education - [When A Rejection Letter Is A Good Thing](https://collegeplanningservices.org/when-a-rejection-letter-is-a-good-thing/) - Receiving a rejection letter can be disappointing, but it's important to try to keep things in perspective. Here are a few ways in which a rejection letter can actually be a good thing: It allows you to move on: Receiving a rejection letter can be difficult, but it can also allow you to move on - [How To Manage The Stress Of Paying For College](https://collegeplanningservices.org/how-to-manage-the-stress-of-paying-for-college/) - Create a budget: Developing a budget can help you understand your financial situation and determine how much you can realistically afford to pay for college. This can help reduce stress and give you a sense of control over your financial decisions. Explore financial aid options: There are many financial aid options available to help students - [When It Comes To College Tuition, Is There Such A Thing As A Free Lunch?](https://collegeplanningservices.org/when-it-comes-to-college-tuition-is-there-such-a-thing-as-a-free-lunch/) - There is no such thing as a free lunch when it comes to college tuition. While financial aid and scholarships can help make college more affordable, it is rare to find a college that offers a completely free education. However, there are ways to make college more affordable, such as: Applying for financial aid: Most - [Using Home Equity To Pay For College](https://collegeplanningservices.org/using-home-equity-to-pay-for-college/) - Using home equity to pay for college is a financial strategy that involves borrowing money against the equity in your home in order to pay for educational expenses. This can be a good option for people who have built up a significant amount of equity in their home and have a good credit score, as - [Don't Let Stress Invade Your College Decision-Making Process](https://collegeplanningservices.org/dont-let-stress-invade-your-college-decision-making-process/) - It's natural to feel stressed during the college decision-making process, as it's a big decision that can have a significant impact on your future. However, it's important to try to keep stress in check and not let it completely take over the decision-making process. Here are some tips for managing stress during the college decision-making - [5 Misconceptions About College Financing](https://collegeplanningservices.org/5-misconceptions-about-college-financing/) - You need to be wealthy to afford college: While it's true that college can be expensive, there are many financial aid options available to help students pay for higher education. These options include grants, scholarships, and loans, and can significantly reduce the overall cost of college. Scholarships are only for high achieving students: While it's - [3 Hard Truths About Who Gets Financial Aid](https://collegeplanningservices.org/3-hard-truths-about-who-gets-financial-aid/) - Not everyone who needs financial aid will receive it. Financial aid is often limited and may not be enough to cover all of a student's educational expenses. Students may need to seek additional funding sources, such as private loans, scholarships, or grants. Financial aid is often based on financial need. In order to qualify for - [Understanding The Student Aid Report (SAR)](https://collegeplanningservices.org/understanding-the-student-aid-report-sar/) - [College Decision: Logical or Emotional?](https://collegeplanningservices.org/college-decision-logical-or-emotional/) - Choosing a college is a significant decision that can have a big impact on your future. It's important to consider both logical and emotional factors when making this decision. Here are a few things to consider: Logical factors: Some of the logical factors to consider when choosing a college include the cost of tuition and ## Pages - [College Financial Planning](https://collegeplanningservices.org/) - ​How to Go to College Without Going Broke! Our primary goal is to help your family find the perfect college- one that your child will love and you can afford.We help families unlock their college vision with a stress free personalized college plan. With our expert guidance and proven results you can rest assured that - [Common App](https://collegeplanningservices.org/common-app/) - Common App The 2026-2027 Common Application Essay Prompts (These would be for Fall 2027 admissions) as reported on the Common App website: 2026-2027 Common Application Essay Prompts1. Some students have a background, identity, interest, or talent that is so meaningful they believe their application would be incomplete without it. If this sounds like you, then - [College Planning - Glossary](https://collegeplanningservices.org/college-planning-glossary/) - College Planning - Glossary A AMERICAN COLLEGE TEST (ACT)One of the two national standardized college entrance examinations used in the US. The other is the SAT. The ACT is widely used in the West and Midwest. Most universities require either the ACT or the SAT as part of an application for admission.APTITUDESAptitudes are natural talents, - [College Planning - Support Services](https://collegeplanningservices.org/college-planning-support-services/) - College Planning - Support Services The most important part of our business model is providing our clients with timely support services. Most parents don’t realize it is easy to get their children into college, the problem arises in getting them graduated. Our success rate is 92% of our clients’ children graduate, versus the national statistic - [Defining Financial Aid](https://collegeplanningservices.org/defining-financial-aid/) - Defining Financial Aid There are $55 billion in free scholarship money awarded each year by the Department of Education and colleges as compared to $60 million in college scholarships that are available through private companies, foundations, and civic groups.A. Financial AidFewer words in the English language cause more confusion and fear for college parents than - [How to Send Your Child to College Without Going Broke!](https://collegeplanningservices.org/six-ways-to-cut-college-costs-2/) - How to Send Your Child to College Without Going Broke! You are invited to join us for a free workshop John DeLorey is a college planning expert providing families with a concierge college planning service that has saved families over $20 million in college tuition costs. Finding the Ideal College Takes Time, Research, and Planning - [10 Inside Tips](https://collegeplanningservices.org/10-inside-tips/) - 10 Inside Tips 10 Things You Need To Know, But Your College Financial Aid Officer Won’t Tell You Get our Free special Report and learn what you need to know BEFORE you meet with your college Financial Aid Officer.Learn why:Early acceptance is not always a good thingHow some scholarships can actually make tuition more expensiveHow a single mistake - [Financial Facts vs. Fiction](https://collegeplanningservices.org/financial-facts-vs-fiction/) - Financial Facts vs. Fiction Our college planning services focus on clarifying parent’s misconceptions, helping them save money, time and aggravation and the advantages of using a college advisor. SOME MISCONCEPTIONS:“My child will borrow as much money as needed through low interest student loans to pay for their tuition costs”Reality: The Federal Government caps an undergraduate borrower - [Great Questions To Ask College Admissions](https://collegeplanningservices.org/great-questions-to-ask-college-admissions/) - Great Questions To Ask College Admissions We help our clients to know the right questions to ask as they develop their customized plan. Answers to some of these might not be readily available in catalogs or other publications but are integral in helping make the right family decisions. We use our 30 years of experience - [College Scholarships](https://collegeplanningservices.org/college-scholarships/) - College Scholarships Scholarship Reports College Planning has compiled two proprietary scholarship lists for our clients to help reduce their college loans. The first is a comprehensive list of merit-based scholarships (grants) offered by individual colleges. This report has up-to-date contact information. The second is a list of 75 non-academic based scholarship opportunities from acting scholarships - [Admissions](https://collegeplanningservices.org/admissions/) - Admissions Many families are not knowledgeable as to where to start the college planning search process with their children. We present this list as a general starting point. Please talk to the individual schools to find out their policies. Maximizing college visits: Have a campus map Develop a rating scale- to measure one school to - [Blog](https://collegeplanningservices.org/blog/) - Blog How to Compare Financial Aid Offers the Right Way How to Compare College Financial Aid Offers (Without Making a $100,000 Mistake) Two colleges. Two offers.One looks cheaper. But is it really? 👉 Most families Read More » June 5, 2026 No Comments How to Appeal a Financial Aid Offer (And Actually Win) How to - [How We Work](https://collegeplanningservices.org/how-we-work/) - How We Work Our ApproachWe are dedicated to guiding families through the complexities of college selection and financing. Our mission is to match students with colleges they will love while ensuring those colleges are affordable for their families. With over 5,000 families assisted, our approach centers on two essential goals:Helping students find the right college - [Testimonials](https://collegeplanningservices.org/testimonials/) - Testimonials Sending a child to college in today’s economy can be a daunting task. Having a college advisor on your side provides with you professional guidance that will make it possible for you to navigate all of the obstacles and road blocks. Our best form of advertising is our clients who have successfully used our - [Who We Are](https://collegeplanningservices.org/who-we-are/) - Who We Are We believe every family deserves a trusted advisor when navigating the often confusing and expensive college admissions and financial aid process.Led by founder John DeLorey, a nationally recognized expert with over 30 years of experience, our mission is simple: to help families save money on college. We’ve guided thousands of students and - [Our Services](https://collegeplanningservices.org/our-services/) - Our Services Our Services As a trusted advisor, I’m dedicated to helping families navigate the college process with confidence and ease. Your goals are my goals: finding a college your child will love — and that you can afford. 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Covid-19 has modified all the rules overnight. John, along with his dedicated staff, is current on - [​Send Your Kids To College Without Going Broke!](https://collegeplanningservices.org/send-your-kids-to-college-without-going-broke/) - ​Send Your Kids To College Without Going Broke! Don’t Miss Out on Critical Savings By Trying to Do It Alone. Owner – John DeLorey John DeLorey founder of College Planning Services located in Newburyport, MA has helped more than 5000 families send their children to college. Covid-19 has modified all the rules overnight. John, along with - [Send Your Kids to College](https://collegeplanningservices.org/send-your-kids-to-college/) - Send Your Kids to College Learn how to go to college without going broke Owner – John DeLorey John DeLorey founder of College Planning Services located in Newburyport, MA has helped more than 5000 families send their children to college. Covid-19 has modified all the rules overnight. John, along with his dedicated staff, is current on - [Resources](https://collegeplanningservices.org/resources/) - Resources SUPPORT SERVICES The most important part of our business model is providing our clients with timely support services. Most parents don’t realize it is easy to get their children into college, the problem arises in getting them graduated. Our success rate is 92% of our clients’ children graduate, versus the national statistic of 50%.APTITUDE TESTINGJohnson O’Connor - [Plan For College](https://collegeplanningservices.org/plan-for-college/) - Plan For College Calculate Your Out of Pocket College Costs Choosing a college and paying for it can be an overwhelming experience. The government expects you to make enormous financial sacrifices to send your child to college. 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