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My Interview with Rachel Cruze

by Tom Bottorf

I was privileged to have some time with Rachel Cruze, nationally recognized author and speaker. You’ve likely heard her dad, Dave Ramsey, on the radio talking about getting out of debt and STAYING out of debt. Rachel’s passion is working with young adults and guiding them down the path of debt-free living, including graduating from …

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Quick Tips for Choosing Your "Top Colleges"

What Is The BIG Deal About Student Loans?

by Lawrene Bottorf

Amazing the way we, as thinking people, are manipulated by the media. Where is the outrage at food and product inflation, gas prices, and joblessness…??? Instead, the media fabricates crises, and we, like sheep, fall for it. For the issue of student debt, the issue really SHOULD be: Why is the government (who is not …

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Testimony from a Debt-Free Graduate

by Julia Mestas

I am blessed that I graduated college debt-FREE. In fact, I graduated with money in the bank! I am not the norm, I realize this. I’m in the minority because of smart decisions and painful sacrifices I made (with the help of my parents) along the way. Parents play a HUGE role in the college …

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The High Cost of “Playing It By Ear”

by Lawrene Bottorf

June for parents of college bound students is like the January credit card hangover–the bill comes for something (s) you committed to, and you have this sick pit in your stomach. This is the time of year when parents call us and tell us “this is NOT what we were expecting” (referring to the high …

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Baby-Boomers Are $43 Billion In Debt Due To College Loans

by Chuck Moore

College loan debt is now the largest consumer debt other than a home mortgage. When someone thinks of college debt they are normally referring to student loans taken out by the 20-something group. However, more and more individuals that are in their 40’s, 50’s, 60’s, and even 70’s are becoming a fast growing group of college …

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ZERO-Debt College… Can It Be Done?

by Tom Bottorf

Let me begin by immediately cutting to the chase, and answering the question with an emphatic “YES”! Your child can indeed earn a college degree and graduate debt-FREE! Just in case you’ve not noticed, the world continues to change at an incredibly fast pace. And it’s not all for the good. A generation ago when …

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Understanding the FAFSA Form

by Lawrene Bottorf

Paying for college can be daunting. And in today’s economic climate most people require some form of financial aid. Maybe this is you. You’d like to apply for federal aid but you’re not sure where to begin. Get Started with the FAFSA Form Getting any sort of federal student financial aid begins with the FAFSA. …

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Federal Student Aid and Understanding The FAFSA

Financial Aid Award Letters: Be Careful!

by Tom Bottorf

This is the time of year when college Financial Aid award letters are received by students. These are often provided via student portals (with a login required), although many are emailed, and some are still sent “snail mail”. You would think that an award letter would be easy to understand, right? WRONG! We witness mass …

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