With the rising cost of college, many families are left wondering how to fill the gap between financial aid and what they can afford out of pocket. One common solution: student loans. But can you use both federal and private student loans to pay for college? The...
How to Graduate From College Without Debt: 5 Proven Strategies for Students and Families
For many American families, college debt has become an expected part of higher education. But it doesn’t have to be. With the right financial strategy, careful planning, and the help of experienced college advisors, it’s entirely possible to earn a degree without...
What Every Family Needs to Know About Out-of-State Tuition: Costs, Myths, and Smart Strategies
Residency Requirements Living in the state for 12–24 consecutive months Demonstrating financial independence (earning enough to cover tuition and living expenses without parental help) Obtaining a driver’s license, registering to vote, and paying state taxes Not...
Do you help find grants and scholarships for our child?
One of the most pressing concerns parents share when planning for college is simple: “How are we going to pay for this?” With the average cost of a four-year degree reaching into six figures, finding financial support isn’t just helpful—it’s essential. Grants and...
What Is the Estimated Student Aid Index (SAI)?
College financial aid can feel like one of the most confusing—and important—aspects of the college planning process. At the heart of that process is a new formula that’s changing how need-based aid is awarded: the Student Aid Index (SAI). If you’ve heard of the...
Award Letter Definition in College: What It Means & How to Use It Wisely
When families receive a college "award letter," it often feels like the final word on how much college will cost. But in reality, an award letter is not always what it seems. In fact, the term "award letter" itself lacks a standardized definition—meaning that the...
What Is Estimated Student Aid Index? How to Interpret and Use It in College Planning
When families begin the college financial planning process, one number carries significant weight: the Student Aid Index (SAI). With recent FAFSA changes and a shift in financial aid calculations, many families now encounter the term "estimated SAI" early in the...
Avoiding College Funding Pitfalls: Smart Strategies for Parents
Sending a child to college is one of the most exciting milestones in a parent's life, but it is also one of the most expensive. With tuition, fees, and living expenses climbing, the total cost of a four-year degree can rival the price of a home. Families can quickly...
Unlocking the Secrets of College Funding: What You’ll Gain from Working with CBRG
Navigating the labyrinth of college funding can be daunting for parents and students alike. As higher education costs continue to rise, understanding and accessing available financial resources becomes crucial. The College Benefits Research Group (CBRG) specializes in...
After Supreme Court Rulings, Answering Reader Questions About Paying for College
Originally Published by The New York Times The Supreme Court decisions that struck down affirmative action programs and President Biden’s student debt cancellation plan will affect millions of people, whether they’re about to apply for college or are trying to pay it...









