New data shows that two-thirds of college seniors who graduated in 2011 had an average student loan debt of $26,600, which was a 5 percent increase from the previous graduating class. This continuous upward trend has persisted despite the tripling of Federal grant aid and constant dollars over the past decade. A report by the State Higher Education Executive Officers warned that public higher education, which educates 70 percent of the students in this country, is about to cross an historic threshold. For the first time ever, students will pay a higher percentage of operating costs of public universities than State governments. In 2012, net tuition revenue made up 47 percent of public colleges' educational costs. By comparison, in 2001, tuition was 29 percent of the costs. We've learned that first student spending from State and local sources fell to less than $5,900 in 2012, a 9 percent decrease just from the year before, and a quarter century low for the third consecutive year. The implications for affordability of this cost shifting is obvious: As States continue retrenching from their historic responsibility as primary supporters of public higher education, students and their families are asked to shoulder an ever-growing burden of cost.
The Best Way to Save for College: A Complete Guide to 529 Plans is the ultimate guide for families and professionals looking to plan for the future. With over 100,000 copies sold, it continues to be the number one resource on all 529 programs and other college savings strategies (including Coverdell Education Savings Accounts). Now in it's 11th Edition, the book has been expanded to offer additional guidance for financial advisors. This includes a new chapter, which covers specific ways to incorporate college planning into an advisory practice and provides insight on areas such as scholarships and financial aid. What's more, Section Two of the book, which covers state by state comparisons of 529 plans, is now available in a convenient online format that offers readers complete access to the most up-to-date plan details at any time.
Joe Hurley is the founder of Savingforcollege.com, a leading independent source of information on Section 529 state tuition plans and other ways for families to plan and save for college. For over 20 years, he worked as a certified public accountant providing tax-planning services to individuals, business, and tax-exempt organizations. Hurley has been widely quoted in the media, including the The Wall Street Journal, TIME, Newsweek, and USA Today and he has appeared at hearings in Washington to present comments on the regulation of 529 plans. He is one of nine individuals recognized by Financial Planning magazine as 2005's "Movers and Shakers." He is currently the author of a Forbes column where he gives practical advice on college financing. Hurley graduated from Williams College in 1978 and lives with his wife in Victor, New York. They have two grown children.
> Overview The Best Way to Save for College: A Complete Guide to 529 Plans is the ultimate guide for families and professionals looking to plan for the future. With over...
1001 College Scholarships has more than one million awards that are worth more than a billion dollars. There are scholarships here for all students based on employment, ethnicity, financial need, career goal, college major or scholarships available to anyone at all. Get details on how to apply, who can apply, how much the award is for and the deadline. Everything you need is at your fingertips.
Adam Lawrence is a customer experience consultant, comedian and actor with a background in psychology and the global automotive industry. For years he has used expertise gained in the world of theater, film and storytelling to help organisations understand human needs, become more creative and innovate faster. Adam is co-founder of WorkPlayExperience, a service design company with a uniquely theatrical approach. He is the award-winning co-initiator of the Global Service Jam - the world s biggest ever service design and design thinking event (so far), as well as two spin-off jams, the Global Sustainability Jam and the Global GovJam.
> Overview 1001 College Scholarships has more than one million awards that are worth more than a billion dollars. There are scholarships here for all students based on employment, ethnicity, financial...
This book offers college students and families a wealth of information to determine their best options on where and when to attend college and just how to pay for it.
Students, parents, grandparents, and anyone paying for college gain a competitive edge by reading College Financial Aid: Highlighting the Small Print of Student Loans. Carol Jensen helps families figure out a confusing financial aid process. There is currently no one-stop shop for them to rely on. Jensen compares private and federal loans and recommends new borrowing limits. This book helps students protect their independence and avoid the need to live with their parents after college.
College counselors reveal that they cannot counsel students on private loans and do not recommend any private lenders to help families pay for college. Healey C. Whitsett of National Economic Research Associates and Rory O'Sullivan of Young Invincibles found that 40 percent of federal loan borrowers believed they had not received any kind of financial counseling. Their discovery questions a universal understanding that college students with federal loans are mandated by law to receive counseling. Some have concluded that federal loan counseling must be so ineffective that borrowers just do not remember attending. Jensen unveils a counselor's answer to this in a "light bulb" moment. Whitsett finds Jensen's explanation of "why" fascinating. In the end, borrowers do not have to complete exit counseling about defaulting on their federal loans and U.S. taxpayers pay billions in collection costs for federal loan defaults.
Carol Jensen gives readers a front-and-center view of financial aid counseling seen by few others. This book offers students and families a wealth of information to determine their best options on where and when to attend college and how to pay for it.
Carol Jensen holds a PhD in education leadership and has a master's degree in business administration. Dr. Jensen started a career in banking in the early 1980s and has written and taught college courses since 1994. She experienced her own decade of 'kids, cars, and college' from 1995 to 2005. The combination of real life college experiences and banking has resulted in her first book, "College Financial Aid: Highlighting the Small Print of Student Loans." Carol Jensen has lived in Iowa her entire life.
> Overview This book offers college students and families a wealth of information to determine their best options on where and when to attend college and just how to pay for...
Wouldn't it be great if you could tell those private lenders to take a hike and go to college for free?What if you could cut your college-related expenses in half, or even more? There are thousands of organizations all over the country who want to pay your college tuition! Receiving free money for college could be as easy as writing a five-paragraph essay! Some scholarships are awarded based on simple things like ethnicity or gender! You could get free money for college just by having Native American blood! You can learn how to apply for grants and scholarships with ease. We'll connect you with the best scholarship databases on the web! Find out the secrets to writing the perfect grant proposal and blowing your competition out of the water! Anything you could possibly want to know about getting grants and scholarships is covered in this book!
I am national recognized as one of the top Higher Education & Leadership Development experts that provide true education plans and true leadership skills to individuals and organizations. I hold a Bachelor of Science degree in Psychology, a Master of Arts degree in Leadership Development and a Doctoral degree in Education. I embrace teaching as an opportunity to inspire and empower. As a teacher, it is my goal to enhance student's skills with use of this transformative experience. Transformation is most likely to occur when students become personally engaged with the material and guidance while they perceive the advice to be directly relevant to their own lives. Understanding the diversity of learning styles and student experiences is key to enhancing this partnership. The process by which I work to stimulate this client partnership is unique to each individual. Working at the largest private university in Ohio that ranks as top-tier national, doctoral-level University and one of the 10 best Catholic universities according to U.S. News & World Report, I was able to make many positive changes and additions to student success. I am now lucky to have the opportunity to assist thousands of students around the country achieve their dream of a college education. Motivation and a positive attitude are essential qualities in an effective leader. I not only possess these elements, but I thrive at them. If you possess the passion and determination to succeed - you WILL! My passion for excellence and my no problem is too big attitude has assisted students to conquer challenges and seize opportunities by taking them further in life. I am a true believer in success. I believe if you possess the passion and determination to succeed, you will! Life, both professional and personal, is full of challenges and opportunities; how you respond to these situations determines who you are. My passion and "no problem is to big" attitude has taken people further in life than they have ever imagined.
> Oveview Wouldn't it be great if you could tell those private lenders to take a hike and go to college for free?What if you could cut your college-related expenses in...
Avoid Student Loans is a revolutionary book where a personal finance expert and a recent college graduate come together to offer you exclusive advice on how to make sure your college education is an investment rather than a liability (requiring large loan payments for 10 years or more after graduation.) In this book you'll learn ways to reduce your cost of college, win more scholarships, and make smart financial decisions while in college. Following this easy-to-read guide can lead you to landing in a much better place after graduation, well ahead of your peers, and without the ball and chain of a large loan payment.
Peter Dunn a.k.a. Pete the Planner is an award-winning financial mind. He's the authored several books including What Your Dad Never Taught You About Budgeting, 60 Days to Change, Mock Retirement and Avoid Student Loans. He hosts the popular radio show The Pete the Planner Show. Pete appears regularly on Fox News, Fox Business, CNN Headline News, and numerous nationally syndicated radio programs. His background as a comedian contributes to his approachable, non-judgmental style of financial advice. Pete the Planner was named the 4th most influential personal finance broadcaster in the nation by Cision in January of 2012
> Overview Avoid Student Loans is a revolutionary book where a personal finance expert and a recent college graduate come together to offer you exclusive advice on how to make sure...
Tuition and fees are just the tip of the iceberg! To properly manage college costs, you need to understand the real price tag of a higher education, including hidden fees that surprise students after they enroll in a college or university. College Secrets and its companion book, College Secrets for Teens, reveal the true costs of earning a college degree - and then provides hundreds of money-saving ideas to help students and parents reduce or eliminate these expenses. In this book, you'll discover: 22 hidden costs that college officials never talk about 24 tricks to slash in-state and out-of-state tuition costs 7 tips to keep room and board expenses under control 13 strategies to save money on books and supplies 14 lifestyle costs that students must manage wisely 6 do's and don'ts to avoid credit card debt in college 12 steps to boost your odds of winning scholarships 15 common mistakes that reduce your financial aid ... and much, much more! The College Secrets series is your roadmap to paying for college the smart way - with some sanity, truth and planning in the process, and without going broke or winding up deep in debt.
Lynnette Khalfani Cox, The Money Coach, is a personal finance expert, television and radio personality, and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom. Lynnette is a former Wall Street Journal reporter for CNBC, who now teaches individuals nationwide how to better manage their finances. She lives in New Jersey with her husband, Earl Cox, and their three children. Follow Lynnette on Twitter @themoneycoach or learn more about Lynnette at AskTheMoneyCoach.com.
> Overview Tuition and fees are just the tip of the iceberg! To properly manage college costs, you need to understand the real price tag of a higher education, including hidden...