Changing the Approach to College Funding Advice

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Paying for college is one of the greatest financial challenges facing middle-income America today. College costs continue to rise at nearly twice the rate of inflation. As a result, our national student loan debt has grown from $240 billion in 2003 to $1.521 trillion as of March 2018. We are adding close to $3,000 per second to our student loan debt, putting us on pace to add nearly $100 billion this year alone.

While the majority of families will have some amount of student loan debt in their college funding solution, graduates leaving college with too much debt may be forced to delay their lives. They may not be able to save for a house or for retirement, and they may delay getting married and starting families of their own.

The number of student loan borrowers has reached 45 million, and 60% of the Class of 2016 graduates have student loan debt. As a rule of thumb, for every $10,000 borrowed, they will owe $100 per month over 10 years.

Luckily, you can help! We need to help families understand how financial aid works and provide them with strategies to cut the cost of college, reduce the stress and anxiety surrounding college funding, and ease the guilt that they have not done enough to prepare. It starts with understanding all the moving parts – and that’s where this whitepaper comes in. Download now!

About The Author

Joe Messinger, CFP®, ChFC®, CLU®

Joe Messinger, CFP®, ChFC®, CLU®, is partner and director of college planning at Capstone Wealth Partners, founder of Capstone College Partners, and co-founder of College Aid Pro ™. 

Joe is passionate about Captone’s College Pre-Approval™ process. Through his speaking and educational workshops, he guides fellow advisors through a process that allows families to reach better financial outcomes, and eliminate the stress & anxiety they have around paying for college. 

This process addresses an acute need of Gen-X families trying to make a $100,000 to $250,000 investment in college for each student. Financial advisors are blown away when they understand the message, and learn how the College Pre-Approval™ system can work for their practice!

As a financial advisor himself, Joe is dedicated to spreading the message of College Pre-Approval through speaking engagements, webinars, and presentations.