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“The 10 Deadliest Mistakes Most Parents Make When Applying For College Funding…”
Mistake #1: Most middle and upper-middle class parents assume they won’t be eligible for financial aid because they own a home and make over $40,000 per year.
Reality: Most families with incomes ranging from $40,000 – $100,000 per year who own homes are eligible for some form of financial aid. There is over 30 billion dollars available each year from the Federal Government, the states, colleges and universities, and private foundations and organizations. You just have to know how to get your “fair share”. Unfortunately, most parents give up before they even start and assume they won’t be eligible. This is exactly what the government hopes you will do so they can keep more of these funds. Don’t make this mistake! If you fall into this category, make sure you apply; you’ll probably be eligible for SOME money.
Mistake #2: Focusing your time and energy on a private scholarship search instead of spending your time trying to qualify for “need-based” financial aid.
Reality: Private scholarships make up only 1% of the money available to you to help pay for your child’s college education. The other 99% comes from the Federal Government, the state you live in, and the colleges and universities your child is applying to. Therefore, you are much better off spending your time and energy going after the 99%, rather than spending your time on the 1%.
Mistake #3: Assuming only minority students, athletes, and academically gifted students get financial aid.
Reality: Nothing could be further from the truth! “Need-based” financial aid is solely awarded based on “financial need” which is calculated by taking the cost of attendance at a school and subtracting the family contribution (which is the minimum amount the government feels you can afford to pay based on your income and assets and your child’s income and assets). Whatever is left over after you subtract these two numbers is your “financial need” or eligibility for financial aid at a particular school. If you haven’t noticed, this has nothing to do with a student’s ethnic background, athletic ability, or grades. It’s purely based on this simple formula:
COA (Cost Of Attendance)
- FC (Family Contribution)
= FN (Financial Need)
Mistake #4: Picking colleges and universities without paying attention to where your student lies in comparison to the rest of the student body.
Reality: To increase your chances of getting the best possible financial aid packages, it is imperative that you pick schools where your child lies in the top 10% of the incoming freshman class with respect to their GPA and SAT/ACT scores. Although schools give financial aid based on your calculation of “need” at their school, they will definitely give preferential packaging (i.e., more FREE money, less loans) to students who lie in the top 10% of the incoming class. The reason they do this is to attract the better students to their school. Use this to your advantage and apply only to those schools where your child would fit into the top 10% category.
Mistake #5: Assuming all schools are created equal and will be able to give you the same amounts of money.
Reality: All schools are not created equal and will not be able to give you the same financial aid packages. Some schools are well endowed and get a lot of money from alumni and corporations. These schools have more money to give out and are generally able to meet most or all of a student’s financial need at their school. Other schools, like state universities, get no private funds and rely solely on state and Federal funds to help fill a student’s need at their school. In many cases, these schools leave students short and give them less money than they are eligible to receive. It can actually end up costing you more to send your child to a “cheaper” school if they don’t have the money to meet your need. It is very important that you know each school’s history of giving money before you ever apply, so you’re not blown away when you get a bad financial aid package from your child’s top school choice.
Mistake #6: Not understanding the difference between “included assets” and “unincluded assets” for purposes of filling out financial aid forms.
Reality: Certain assets are counted much more heavily in the financial aid formulas than others. For example, savings accounts, CD’s, stocks and bonds are all included and asked about on the Federal Financial Aid form. However, it does not ask about the value of annuities or cash-value life insurance anywhere on that same form.
Mistake #7: It doesn’t matter where I keep my money; it’s all counted in the same way.
Reality: Nothing could be further from the truth. Where you keep your money could mean the difference between you getting $10,000 in financial aid or getting nothing! For example, money in the child’s name is weighted much more heavily than money in the parent’s name. If you don’t know how to legally and ethically position your money properly for purposes of financial aid, you could end up losing thousands in financial aid!
Mistake #8: “My CPA or tax preparer is qualified to fill out my financial aid forms – I’ll let him/her do it.”
Reality: Unfortunately, CPA’s and tax preparers are experts at tax planning and preparation – not financial aid planning. For example, a CPA or tax preparer might suggest that you put some or all of your assets in your child’s name to save money on taxes. While this advice is well meaning, it will usually kill most or all of your chances of getting financial aid. Also, CPA’s and tax preparers are not trained in filling out financial aid forms. In many cases, they will unknowingly fill out these forms improperly (i.e., using pen instead of pencil, using white-out to cover mistakes, omitting social security numbers, etc.), and these “minor” mistakes will bump your financial aid forms. If this happens, you will have to re-submit these forms all over again, and you will probably end up losing thousands in financial aid since it is awarded on a first come, first served basis.
Mistake #9: Waiting until January or even worse after January of your child’s senior year of high school to start working on your college financial aid planning.
Reality: Since financial aid is based on your previous year’s income and assets, it is imperative to start your planning as soon as possible before January of your child’s senior year. If you want to legally set up your income and assets so you can maximize your eligibility for financial aid, you must start working on this, at least, one year in advance – preferably in the beginning of your child’s JUNIOR year of high school. The longer you wait and the closer it gets to your child’s senior year, the tougher it gets to set up your financial picture without creating a “red flag” for the colleges and universities. It is also important for you to know what your “Expected Family Contribution” is so you can start saving for it. And, you should also know which schools can give you the best packages before you start visiting and applying to them. My advice is if you haven’t started planning, DO IT NOW!
Mistake #10: Going Through The Financial Aid Process By Yourself Because It’s “Cheaper”.
Reality: If this describes you, the colleges and Federal Government are going to love you! This allows them to keep control over the process instead of you, the parent, understanding how the process works and taking back control from them. It always amazes me that people will readily use a doctor when they get sick, a lawyer when they get sued, but suddenly when they are going to send their child to college and spend between $10,000 – $28,000 per year, parents want to save themselves a couple of dollars and do it themselves. Unless you spent the last 5 – 10 years of your life studying and understanding the financial aid process, there is no way you are going to know how to get the maximum amount of money from each school. And, if you do try it yourself, you’ll probably spend countless hours trying to figure it out. The moral to this story is “Don’t Be Penny Wise And Dollar Foolish!” Use an expert who can help you through this process and make sure you get everything you’re entitled to.
For more helpful tips like this go and to come to one of our monthly workshop go to http://www.CollegePlanningExperts.com
Certified College Planner and Author of “Phillip Lew College Planning System for Success”
The College Planning Experts have worked with over 1000 families helping them attain their college dreams. They can show you how to get thousands of dollars of free money regardless of you income.
Every spring there are thousands of Connecticut parents of college bound high school students who are devastated when they realize that the awards letter that they received from the colleges that their child applied to are substantially short of meeting the true cost of attendance. This happens because the college’s award letter does not meet the student’s financial needs either in the total amount of aid or in the type of aid and the student can appeal the award on that basis to the college.
Every college has an appeal process that allows students to request a review of their financial aid eligibility and corresponding financial aid award offer. But before you go and contact each college then remember that each college determines its own regulations for this process, and be ready to be on your best professional behavior in order to get your appealed approved.
If you already have received a financial aid award from a college then you have a hand up on the college because you know exactly what you need to meet your family financial situation. You should use this knowledge when appealing an award letter by being very specific in requesting additional funds. You should clearly state the reasons for the appeal, and request the specific amount of money that is needed. You should also be prepared to write the request and submit any required documents with the letter of appeal.
After you have everything together and are ready to present your information then contact the financial aid officer (FAO). If at all possible the contact should be made in person; if this is not possible, the contact should be made by a telephone call. The “personal touch” could be the difference between a successful appeal and flat out rejection.
In the appeal letter, you should ask the financial aid officer to exercise “Professional Judgment.” Professional Judgment is the authority given to the college financial aid officer to change the family’s financial data in any way that would more accurately measure the family’s ability to pay for educational costs. These professional judgments are only made in special circumstances, and only when you provide adequate documentation of these special circumstances.
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Appealing Your Lousy Financial Aid Award
Most college financial aid offices mail their financial aid award letters In March and April. Unfortunately, many families are not happy with the contents of these letters. This piece will share a few tips on how to improve your financial aid award and get the money you deserve for your student’s education.
First, you should understand that your award letter can be improved – it’s not written in stone! It’s actually a financial aid “offer” – meaning that it can be accepted or rejected. Many parents who attend our workshops are surprised when we explain this.
The first thing “College Pete” and I do when presented with an award letter is calculate how much the student deserved to receive. This way we have a benchmark to compare the award with, instead of merely crying “it’s not fair!”
How do you calculate a “fair” award? By applying the financial aid formula and researching what percentage of financial need the college meets.
The financial aid formula is:
Cost of Attendance – Estimated Family Contribution = Need.
Cost Of Attendance means how much it takes to send your child to school for one year – tuition, room and board, insurance, travel expenses and so forth.
Estimated Family Contribution is a number that the government determines that you can afford to pay each year. It’s derived from filling out the FAFSA (Free Application for Federal Student Aid).
You fill out the FAFSA, the Department of Education spits out the EFC. (Most families are unhappy with their EFC but space constraints prevent me from explaining how to legally reduce your EFC…some other time!)
So if Cost of Attendance is $40,000, EFC is $20,000 you will show need of $20,000. (COA-EFC = Need).
The next step is researching how much need the college historically meets. Perhaps it’s a generous school, and meets 90% – $18,000, leaving only $2,000 unmet.
I realize your eyes could be glazing over right now, so I’ll stop with the calculations.
If you’re still following, we just figured out that a fair award is $18,000. If you receive close to that ($16,000-17,000), I would not bother appealing.
But if you received $10,000 – $15,000, or less, sharpen your pencil and start drafting your appeal letter!
Here’s another tip –make sure you call it an “appeal.” It’s a lofty sounding word, like you’re arguing before a judge wearing a white, powdered wig. Don’t use the word “negotiate” – our theory (still unproven!) is that financial aid officers think that word is too transactional and is beneath them.
Write a letter not only to the financial aid officer who issued the award letter, but also the admissions person who signed the letter admitting your student. Keep them in the loop – they have a vested interest in having you show up for classes. Why?
Colleges are obsessed with the “yield” – the percentage of admitted students versus those who enroll. The higher the yield, the better. So keep the admissions officer in the loop.
Be very thankful and positive in the letter – tell them how much you appreciate the offer. Describe how eager your child is to attend this prestigious school. Then mention that, as it stands, it’s not enough for your son or daughter to be able to attend. If you can demonstrate that you were under-awarded, following the example above, do so here.
If you have background about your finances or other relevant information that did not show up on the initial financial aid forms, this is the time to explain it. And use emotion to paint a vivid picture for the financial aid officer, who, for the most part, tends to be an actual human being with feelings!
If you were laid off, describe not only the financial impact but also the pain and suffering that you experienced. If you’re self-employed and your business suffered a downturn, this letter is the place to demonstrate it and make the reader feel that they’re right there with you.
If you received a more compelling award from a competing university, mention it! Use it to play one school off the other, particularly if you can honestly say something along the lines of “Your fine college is Tyler’s first choice, but he received $12,000 more in grants from Faber College. If you can come close to matching Faber, he’s coming to your school!”
One cautionary note – don’t bluff! You’d better be able to prove that you were offered a better award package elsewhere, because you may be requested to produce it.
So don’t despair if you got “stiffed” by the financial aid office – in financial aid, it ain’t over until it’s over!
Andy Lockwood is the co-owner of College Funding Specialists. He and his partner, Peter “College Pete” Ratzan, specialize in helping “forgotten middle class” families figure out how to pay for college without bankrupting themselves or vaporizing their retirement savings along the way.
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