COLLEGE PLANNING COST SOLUTIONS

13540 Northgate Estates Drive, Suite 100

Colorado Springs, CO 80921

Satellite offices located throughout Colorado 

©2019  CPCS

We also partner with other college planning experts across the country such as POM College Consulting to help provide our clients with the highest level of service. CPCS is not an SEC Registered Investment Advisor, and does not provide legal or tax advice. Licensed professionals should be consulted with regard to the provision of these services.

We provide parents of college-bound students with guidance in all areas of the college financial planning process, including how to make college more affordable by managing the financial aid process on your behalf, working closely to identify all of the grants, loans and scholarships available, and submitting all of the multiple forms and paperwork that are associated with this process, on time and accurately.

We will discuss strategies available to legally lower your family’s out-of-pocket college costs as much as possible. As described below, we can help those in three different categories of financial need.
 

What's your College Funding Category? No matter what your income or financial  situation, you will fall into one of these three categories while going through the financial aid and college funding process:

Category 1

Those who will definitely qualify for need-based financial aid no matter what school they choose. This group has a low enough income and asset level that they will qualify for need-based aid.

We help this category by navigating them through the entire financial aid process. According to the Department of Education, over 70% of parents submit their financial aid paperwork incorrectly and have their forms “bumped” in the process – typically adding 4-6 weeks of processing time. Since most financial aid is awarded on a first-come, first-served basis, even a tiny error on the forms can drastically affect the amount of aid you get. Also, it’s not just filling out the form correctly that matters – it’s making sure the right information goes in the right place and that you do not disclose information that you don’t have to! We also help this category by negotiating with the colleges to get a better financial aid package with the maximum amount of free money possible.

 

Category 2
Those who will qualify for need-based financial aid depending on the school they choose, and how their income and assets are arranged. This group is the middle to middle-upper class that make a nice living but definitely don’t feel rich by any means.

We help this category by completing all forms correctly so that they are submitted on time and without errors. Having these forms completed correctly and on time can save thousands of dollars. If you aren’t awarded what we deem as a fair financial aid package, we will also help with negotiation tools to appeal to the college for a better offer. For this group, we want to take advantage of every strategy out there to make sure your Expected Family Contribution (EFC) is as low as possible by legally arranging your financial affairs to qualify for more aid & to lower your out-of-pocket costs. We also want to make sure you get as much free money as possible, while minimizing the self-help money (i.e. loans).

 

Category 3
These are families who will not likely qualify for any need-based aid. This group is the middle-upper to upper class who make a very nice living, want to protect their lifestyle, pay as little in taxes as possible, and pay as little as possible for college.

 

We help you navigate the financial aid process, documents, essays, admissions, college interviews, etc. and help develop a plan so that all of your children can go to college and you can pay for it in as comfortable and tax-advantaged manner as possible without neglecting your other financial goals (i.e. paying off the mortgage, retirement, purchasing a second house, etc…)