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Let's talk about two families - The Greens and The Smiths

(Not their real names)


Both families started out with roughly the same financial situation, and their children applied to the same colleges since they both had A averages and 1,200 (math and reading) on their SAT's.

However, that is where the similarities end.


The Greens started to think about the college funding process around December of their son, Timothy's, senior year of high school. John and Mary Green had a combined income of $90,000, $40,000 in savings, a home worth approximately $450,000, and other investments worth $160,000. They had also put $20,000 in savings into Timothy's name because their accountant told them they would save money on taxes. They waited until January and filled out the financial aid forms themselves. When they received their EFC’s (Federal and Institutional) Much to their surprise, they realized a couple of things: (1) They had made several mistakes in filling out the financial aid forms and now needed to re-file a new set of forms with the corrected information; (2) It also said their Expected Family Contribution (EFC-the minimum amount they would have to pay at any school) was $33,000 (Institutional since we are talking about Ithaca). John and Mary stared at the report in amazement. John exclaimed, "You mean to tell me that two average folks making a modest income with very little savings have to pay this much? Where in the world do they expect us to get all this money from? We're already up to our eyeballs in bills, and our savings was supposed to be for retirement - How in the world are we going to send Timothy to college?"


What the Greens weren't aware of was that financial aid is awarded on a first come, first served basis. Colleges do not have an infinite amount of funds for financial aid and once it’s gone, it’s gone. Since they had to re-submit the financial aid forms, they lost valuable time and ended up losing a lot of college funding. Also, because the forms had to be resubmitted, they missed deadlines at some schools and were automatically excluded from priority funding. Around April, Timothy started getting award letters back from the colleges he had applied to.


He got his first one back from Ithaca College and said to his parents, "This can't be! The

government report said we would have to pay $33,000, but this award letter says we have to come up with $48,000. But that's not the worst of it! The money they did offer us is almost all loans except for a $10,000 grant - How in the world are you guys ever going to be able to afford to send me to college?"


Timothy got the rest of his award letters from the other schools. Unfortunately, most of them were just as bad as Ithaca College. The Greens had a tough decision to make - should they tell Timothy they couldn't afford to pay for his college education, or should they sacrifice all their savings and borrow the enormous amount of money needed to fund Timothy’s education?

They decided to use their life's savings to pay what they could, and then they would take out student loans, which had to be in their names for the remainder of the cost for the next four years.


The Greens THEN reached out to me, only it was too late! Much like a CPA preparing your taxes, you can’t change anything after Jan 1st. In this case, I couldn’t help them because the forms were already filed and there was no planning I could do that would help them.


* * *


The story of the Smith's turned out a lot differently.

They also had a combined income of $90,000, savings of $40,000, a home worth $450,000, and other investments. However, they decided to take control of the process. Mr. Smith decided to contact me, and I explained the process to him and his wife and told him how to increase his eligibility for financial aid.


The first thing I told the Smith's to do was set up their savings and investments in the

most favorable terms legally allowable before filling out the financial aid forms. Then I showed the Smith’s was which schools their son, Peter, had the best shot of getting money from.

I explained how some schools have a lot of money to give out while others have virtually nothing.

I told them "You must know which schools can give you the most money before you apply - not after. This way you won't be surprised at the end of the year. If you apply to

the right schools you will pay significantly less than if you applied to other schools” I call this positioning the student.


The third thing I helped them with was filling out the forms. The Smiths were shocked when I told them that over 40% of all forms go in with errors or inconsistencies. "If your form goes in wrong, you have to re-submit it again and you will lose thousands in funding." I told them.

I made sure the proper forms were filled out correctly and on time so they would not waste valuable time resubmitting them, costing them thousands in lost aid.


Joe and Cindy Smith wondered whether all this planning would pay off.


The first good sign was when they received their Student Aid Report. It said their family contribution was only $18,000. $15,000 less than the Greens. When Ithaca sent them their award letter, it would cost them only $24,500, Significantly less than what the Greens had to pay - all because the Smiths took control of the process before they filed their forms.


But the best was yet to come!


Their son, Peter, started to get his award letters back from the colleges he applied to.

He had also applied to Ithaca. However, he also applied to several other schools that I told him would give him a lot of scholarships and grant money.  I wrote an appeal letter to Ithaca with the help of the parents explaining that these other schools (I included the award letters with the letter) were offering Peter a lot more money and Peter would love to go to Ithaca, but the price disparity was too much. Ithaca came back with an additional $6,500 so in the end, unlike Timothy, Ithaca said Peter would only have to pay the amount of his family contribution, and they would cover all expenses above and beyond that. He also received mostly grant money and only one loan. Peter also started receiving award letters from the rest of the schools, and the monies offered were almost exactly what I told him to expect.

I had saved them $30,000 PER YEAR or $120,000 over 4 years!


Do you think they were happy with the investment they made in my services?

Wouldn't you be?



Peter ended up going to Ithaca, and his parents didn't have to spend their life's savings or mortgage their and their son’s future to the hilt to do it.


The Smiths lived happily ever after!!


* * *

What was the difference between these two families?


On the surface, they both looked the same. They had similar incomes, assets, and both students had similar grades and SAT scores. The only difference was that The Smith's took control of the process instead of sitting back and playing Ostrich, burying their head in the sand and hoping for the best.



Don't put yourself or your family in the same position as The Greens!


The Wrong Advice Can Be Costly!

In many cases, parents have been told to save money but have been advised to put it in the wrong places. It's funny how the financial formulas work with the colleges...parents can save their money in one place which they thought was a smart investment, only to have it go against them in receiving aid!


Recall what happened to the Green’s. They had some good financial investments and planning going on, but it came back to haunt them when Timothy’s college years came about!


However, if they had known which assets the financial aid formulas include and do not include, they would have become qualified for more financial aid.

I'm telling you... the financial formulas are strange, and without skillful money allocation on the parent's behalf... you'll be denied in a second flat.


Or, some people have thought ahead, and put money into their children's name...

This alone can kill your chances to receive any aid at all!


If you've done this, it's time to change it NOW!


 Similarly, applying to the wrong colleges, or “reach” schools will kill your chances at getting scholarships.


Once You Know The Secret To It All... It's Easy To Get The Money You Need!


All it takes is...


The Right Knowledge!



Here's The Good News...

You CAN find out exactly how to get the most money possible and avoid costly mistakes!


In fact, if you follow my process, I can assure you that you will save anywhere from $2500-$36,000 per year on college costs!


Sound too good to be true? Well, since I've helped so many others attain $2500 to $36,000 in funds for college, I know it works, and it can work for you too!

In fact, most families that have followed my process ended up receiving, on average, between $10,000-$36,000 primarily from FREE money sources such as scholarships and grants.


The answer is quite simple. We have personally helped thousands of parents, like yourself, save thousands, perhaps tens of thousands even more on their college costs!


We can help you as well!


See, we help a lot of people, so we have to be somewhat selective in those who respond.


If you meet our criteria, then you're "qualified"! It's that easy. You are definitely a prime candidate to be the recipient of this service and money for college!


Just like when you go to the doctor, you won't be prescribed any medicine before a thorough exam, I won’t take you on as a client without a detailed discussion of your situation. If I can help you and I feel that we are compatible to work together, only then will I offer you my services.


All you have to do is ask yourself how much it's worth to you, to see if you can easily qualify for a minimum of $2,500 per year for your child's education? (With the chance of it being a whole lot more than just the $2,500!)  All you have to risk is a 30-minute consultation, that’s it!  Just a click away, and you can schedule a consultation!


I may or may not have the answer to all of your college financing problems, but don't you think it's worth a couple minutes of your time to find out!


There's no obligation, and no risk involved.


All you'll risk is learning a great deal about the financial aid process... and how to increase your chances at getting a bunch more money!


Well, does this all make sense? I hope so. Before I end, I'd like to ask you a couple of questions.

Do you really think you're going to get as much money as you should, or could? Do you know what makes you immediately eligible for aid, instead of ineligible? Are you secure in thinking you already know all there is to know about all the loopholes and money-pits to avoid that so many others blindly fall right into?


If not, then we will show you the answers to getting the college financial resources to give you money. But, in order for this to work, you will have to take the initial step.


If you are serious about finding out how to beat the high costs of college... then why not explore this a little further? Just the fact that you've read this entire report must mean that you not only want to survive the blow of college costs, but make sure you do so confidently to secure both your current and future financial picture!


All you have to do is click here to schedule your consultation.


Well, that's about all I can think of telling you for now... we'll be going over a bunch more at the consultation! You will then have all of the right information that you'll need in order to make the right decisions!


Thanks, and I look forward to talking with you soon.


Michael I. Gaer


Gaer Financial group, Inc.

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