Guide

How to Send Your Kid to College Without Going Broke

The Transparency Guide to Higher Education Pricing, Financial Aid, and the Lies They Tell You About Sticker Price

This guide names the real price and the merit aid strategy that could save your family tens of thousands.

This is for:

For the parent who sees $85,000/year tuition and panics. Nobody pays sticker price. The net price calculator exists. Merit aid is negotiable. The FAFSA is a tool, not a confession. This guide makes the system transparent.

You'll produce:your Your College Funding Playbook

The Name It First Experience

Nobody pays sticker price — and the school is counting on you not knowing that before you read the $85,000 number and decide your family cannot afford it. How to Send Your Kid to College Without Going Broke walks you through how college pricing actually works: the net price calculator, the difference between need-based and merit aid, why financial aid offers are negotiable and how to negotiate them, what the FAFSA does and does not reveal, and how to build a documented funding strategy that closes the gap between what the school costs and what your family pays. This guide is for the parent who has already written off schools based on the published price and has not discovered that the published price is not the price. The Transparency Guide to Higher Education Pricing, Financial Aid, and the Lies They Tell You About Sticker Price names the real number — and the strategy that gets there.

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Sample questions

  1. What schools are you or your student considering — and what is the actual net price versus the published cost?
  2. What do you not understand about the financial aid process that is creating the most anxiety?
  3. What would change about the college list if you calculated net price first, before prestige?

Research basis

Grounded in higher education financial literacy research (Lusardi and Mitchell, 2014) on the cost of uninformed college financing decisions / FAFSA completion and aid optimization research / college choice and affordability literature on the role of family preparation in reducing student debt load.

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