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College Aid Packages

College Aid Packages

Don’t Be Afraid to Negotiate

Parents start college aid planning and negotiateThis is the time of year when hundreds of thousands of high-school students tear open their college acceptance letters to find out if they’ve been accepted by the schools of their choice. Once the initial excitement wears off comes the hard part—sitting down with their parents to figure out if they can afford to attend those prestigious schools. The alternative is to stay at home and attend the local community college or work a year, hoping to save enough money to attend a four-year school at a later time. But no parent wants his/her child sitting on the sidelines, missing out on the wonderful life experiences that college provides.

Is a college education becoming the domain of the rich?

College debt has become one of the biggest financial threats to American families. College students are now graduating with an estimated $33,000 in debt. If they enter the job market in a bad economy, have trouble finding employment or are somehow marginalized, that debt soon looms out of proportion. Those who go on to graduate school are further mortgaging their futures.
It’s not unusual for those who are graduating from law and medical schools to have hundreds of thousands of dollars in college loans that don’t get paid off until middle age. It took the Obamas 25 years to pay off the accumulated debt of their combined Ivy League educations–despite good jobs. Not until President Obama signed his book deal in 2004 was he finally able to pay off these loans.

Get aggressive: don’t be intimidated by the student aid officer

College doesn’t have to be a privilege reserved for the 1%. Here’s the good news. Enrollments are significantly down—an estimated 500,000 fewer entrants—wonderful news for your son or daughter, so leverage this deficit.

  • You may have your heart set on one school, but it’s best to keep a few options on the table—play these against each other.
  • Be a shrewd negotiator. You got a great price on your new car or new home, right? You can do the same thing on education—and this time, there’s a lot more at stake.
  • Don’t be afraid to ask for more aid. According to the Princeton Review, 30-50% of the families who ask for more aid get it.
  • If you’re dissatisfied with your aid package, ask to see their guidelines. Carefully review these for your appeal. Build a careful business case that justifies why you deserve a larger aid package.

Finally, remember that the college aid officers are not on your side—despite what they tell you. They’re going to offer the smallest financial aid package possible. It’s up to you to roll up your sleeves and go back to the bargaining table—your child’s education is an investment worth fighting for.

Time to start saving for your child’s college education?

Talk to us at Palma Financial Services. We prepare and package students to get them into the best private schools and maximize the awards. We have a proven track record of successfully appealing awards and securing additional funds from colleges and universities.
Call today for a complimentary consultation: 925.307.5454, or sign up for our next college-planning seminar.

This Post Has 31 Comments

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  3. $READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

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  14. How I Got A Loan From A Reliable Loan Company After Being Scammed.

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  15. Good Day,

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    there.nobody can help you here or even suggest how you can get financial
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    ignore,because they are SCAMS…real SCAMS…i was a victim of which i was
    ripped thousands of dollars…well thank God for a Loan Sharking
    Investment Company,I was referred to by my cousin,who is by
    name,Mr.Eric Rivers Of Eric rivers funding.They made my life a
    valuable one,and gave it a meaning.I was approved loan of $97,000.00 USD
    Again. AND IN 48 HOURS after meeting up to their necessary
    requirements,my loan was deposited in my bank account.Though I was very
    nervous with the loan firm at the first place due to my previous bad
    experiences,especially when the issue of me settling the transfer
    charges came up,I hold on to my faith due to the fact that my relative
    referred me,got it cleared,and as God should have it.little did I know
    that my financial shortcomings has come to a final HALT .If not for that
    quick referral from a relative of that genuine source ,I would have
    regretted my total life,because at that point in time I just divorced
    the Mother of my Daughter,and my Daughter (Abbie) was faced with a ”
    between life and death ” situation ..I was faced with her hospital bills
    and was also faced with foreclosure at my apartment..Their charge is very affordable and reliable compared to
    many out there,their interest rates just 2.09%,little documentation,and
    little credit check(irrespective of your credit score,but you MUST have a
    good and liable income source) His Name is Mr.Eric rivers Feel free to
    email him at his company via Email: [email protected] ” and you will be free from scams

  16. Here comes an Affordable loan that will change your life for ever, I am Mr. Scott Watson a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate. I Mr Scott Watson is out to help the less financial privilege achieve their dreams have you been looking for a legitimate loan lender online here end your financial problem my mission is to help the less financial privilege get back on track my company have help a lot of companies and individual in business and paying back their arrears bills are you in need of any type of loan We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Mr. Scott Watson Loan home and be free from debts any interested client should contact me asap ([email protected])

  17. Good day Here comes an Affordable loan that will change your life for ever, I am Dr. Powell Garcia a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr. Powell Garcia is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans, bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Dr. Powell Garcia Loan home and be free from debts any interested client should contact me asap ([email protected])

  18. Dear valued customer,

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    Kindly write us back with the loan information;
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    Please, contact us for more information: [email protected]

    We look forward to hearing from you.

  19. Dear valued customer,

    Do you need Financial Assistance?
    Do you seek funds to pay off credits and debts?
    We give out loan with an Interest rate of 1.00%

    Please, contact us for more information: [email protected]

    Kindly write us back with the loan information;
    – Complete Name:
    – Loan amount needed…$, €, £:
    – Loan Duration:
    – Purpose of loan:
    – City / Country:
    – Telephone:
    – Name of the Site:

    Please, contact us for more information: [email protected]

    We look forward to hearing from you.

  20. Hello,

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  21. Good Day,

    My Name Is Wladimir frank and I want You all To be careful
    there.nobody can help you here or even suggest how you can get financial
    help.any answer of a loan lender to your question,you MUST
    ignore,because they are SCAMS…real SCAMS…i was a victim of which i was
    ripped thousands of dollars…well thank God for a Loan Sharking
    Investment Company,I was referred to by my cousin,who is by
    name,Mr.Eric Rivers Of Eric rivers funding.They made my life a
    valuable one,and gave it a meaning.I was approved loan of $97,000.00 USD
    Again. AND IN 48 HOURS after meeting up to their necessary
    requirements,my loan was deposited in my bank account.Though I was very
    nervous with the loan firm at the first place due to my previous bad
    experiences,especially when the issue of me settling the transfer
    charges came up,I hold on to my faith due to the fact that my relative
    referred me,got it cleared,and as God should have it.little did I know
    that my financial shortcomings has come to a final HALT .If not for that
    quick referral from a relative of that genuine source ,I would have
    regretted my total life,because at that point in time I just divorced
    the Mother of my Daughter,and my Daughter (Abbie) was faced with a ”
    between life and death ” situation ..I was faced with her hospital bills
    and was also faced with foreclosure at my apartment..Their charge is very affordable and reliable compared to
    many out there,their interest rates just 2.09%,little documentation,and
    little credit check(irrespective of your credit score,but you MUST have a
    good and liable income source) His Name is Mr.Eric rivers Feel free to
    email him at his company via Email: [email protected] ” and you will be free from scams
    ……………..

  22. I am Mrs LISA SMOAK by name, i am a citizen of Chicago USA, i have been looking forward for a genuine loan company for the past 8 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $6000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies online again, because i never trusted any loan company since i was scammed, so i went to borrow some money from a friend, i told her all that happened and she said she can help me, that she knows a loan company that can help me, that she just got a loan from them, she directed me on how to apply for the loan, i did as she told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact Mr Robert Smoak { [email protected] } and be free from scams on the internet. they will never disappoint you.And always tell them that i gave you their email.

  23. PERGO CORPORATE FINANCE,(PCF), [email protected] aims is to provide Excellent Professional Service.

    PERGO CORPORATE FINANCE,(PCF) ( [email protected] ) offer loans at 1.0% and we credited to local and international customers. We had the privilege of meeting their financial needs.

    WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS.

    Please, contact us for more information: [email protected]
    Kindly write us back with the loan information;
    – Complete Name:
    – Loan amount needed…$, €, £:
    – Loan Duration:
    – Purpose of loan:
    – City / Country:
    – Telephone:
    – Name of the Site:

    If you are interested to get a loan then kindly write us with the loan requirement.
    Please, contact us for more information: [email protected]

    Yours Sincerely,
    Mrs. Ceren Kelly
    [email protected]

    We look forward to hear from you ASAP.

  24. HOW I GET A LOAN HELP @ 2% INTEREST RATE with [email protected]

    I was not sure of getting a legit loan lender online But when i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find VICTORIA LAWSON Trust Loan Firm ([email protected]) with 2% interest Rate and applied immediately with my details as directed. Within 3Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact VICTORIA LAWSON LOAN Company with [email protected] For easy and safe transaction.

    *Full Name:_________

    *Address:_________

    *Tell:_________

    *loan amount:_________

    *Loan duration:_________

    *Country:_________

    *Purpose of loan:_________

    *Monthly Income:__________

    *Occupation__________

    *Next of kins :_________

    *Email :_________

  25. WELCOME TO PERGO CORPORATE FINANCE,(PCF), [email protected] aims is to provide Excellent Professional Service.

    Do you need Financial Assistance? We can help you
    We give out loan with an Interest rate of 1.0%
    Please, contact us for more information: [email protected]
    Kindly write us back with the loan information;
    – Complete Name:
    – Loan amount needed…$, €, £:
    – Loan Duration:
    – Purpose of loan:
    – City / Country:
    – Telephone:
    – Name of the Site:

    If you are interested to get a loan then kindly write us with the loan requirement.
    Please, contact us for more information: [email protected]

    Yours Sincerely,
    Mrs. Ceren Kelly
    [email protected]

    We look forward to hear from you ASAP.

  26. Do you need Financial Assistance? We can help you
    We give out loan with an Interest rate of 1.0%
    Please, contact us for more information: [email protected]
    Kindly write us back with the loan information;
    – Complete Name:
    – Loan amount needed…$, €, £:
    – Loan Duration:
    – Purpose of loan:

  27. Do you need Financial Assistance? We can help you
    We give out loan with an Interest rate of 1.0%
    Please, contact us for more information: [email protected]
    Kindly write us back with the loan information;
    – Complete Name:
    – Loan amount needed…$, €, £:
    – Loan Duration:
    – Purpose of loan:

  28. Do you need Financial Assistance?
    Do you seek funds to pay off credits and debts?
    We give out loan with an Interest rate of 1.00%

    Please, contact us for more information: [email protected]

    Kindly write us back with the loan information;
    – Complete Name:
    – Loan amount needed…$, €, £:
    – Loan Duration:
    – Purpose of loan:
    – City / Country:
    – Telephone:
    – Name of the Site:

    Please, contact us for more information: [email protected]

  29. Do you need Financial Assistance? We can help you
    We give out loan with an Interest rate of 1.0%
    Please, contact us for more information: [email protected]

  30. Do you need Financial Assistance? We can help you
    We give out loan with an Interest rate of 1.0%
    Please, contact us for more information: [email protected]

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