College Costs

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An overview of the Business of higher education, and an introduction of our unique services to reduce the cost of college and avoid crippling student debt.

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Do you have a plan to lower your cost for the college you choose? We do. John Lanphere Educational Consultant 585-721-8928 www.collegeassistanceplus.com/Mendon jlanphere@collegeassistanceplus.com Copyright © 2010 College Assistance Plus. All Rights Reserved

Your Biggest Financial Decisions YourHome Your Retirement Your Children’s Education You created a plan. You compared offers. You have an expert advisor for all of these decisions. Right? Copyright © 2010 College Assistance Plus. All Rights Reserved

College is BIG BUSINESS “…Top private institutions charge what they do because a substantial number of people will pay it….” Andrew Manshel, former VP Finance & Administration at a leading university, Wall Street Journal, April 2007 College costs continue to rise rapidly – 6.5% for public in-state tuition and 4.4% for private colleges from 2008 to 2009. 2010 Survey by The National Center for Public Policy and Higher Education and Public Agenda Copyright © 2010 College Assistance Plus. All Rights Reserved

Where is the Government help? According to an April, 2010 NY Times article, even with the recent federal legislation to redirect $36 Billion over 10 years to the Pell grant program: “…the increase in the maximum Pell grant — to $5,900 in 2019-20 from $5,550 for the 2010-11 school year — is minuscule, compared with the steep, inexorable rise in tuition for public and private colleges alike… ” “… And because college costs are rising so quickly, the maximum Pell grant now covers only about a third of the average cost of attending a public university, compared with three-quarters in the 1970s... ” Copyright © 2010 College Assistance Plus. All Rights Reserved

What will college cost? More than you think. In 2008, annual costs ranged from $17,000 to over $50,000. The average graduate takes almost 6 years to get a degree. 40% never earn a degree ....but have the debt! Source: College Board and NellieMae Copyright © 2010 College Assistance Plus. All Rights Reserved

Who is on MY side? CAPlus is. This year we saved families over $365,000 using our 6 years of experience and our proprietary tools and strategies. We help: Reduce family stress. Compare colleges both financially and academically. Assist in college selection. Ensure the most cost-effective college financial package to DEGREE COMPLETION. Copyright © 2010 College Assistance Plus. All Rights Reserved

How does CAPlus help? Compare, Create, Negotiate We guide your student and family to identify and compare schools that match your academic and financial goals. We have the tools and expertise to create an environment for schools to compete for your student. We have the information and experience to negotiate for the best offers from the schools you choose. THAT is a proven plan. Copyright © 2010 College Assistance Plus. All Rights Reserved

Has CAPlus helped others? Hundreds of families But, nobody says it better than our clients: “Great service throughout the process” “CAPlus definitely took some of the stress out of our college search and assured us we were getting the best financial package.” “..GREAT JOB – professional, prompt, and clear communications; experience with knowledge.” “….they saved us thousands of dollars.” Copyright © 2010 College Assistance Plus. All Rights Reserved

Can CAPlus help me? That is Exactly what we do. We will guide you every step of the way to lower your cost for the college you choose. Join us in an informational seminar or call for a free, no obligation, personal consultation. John Lanphere Educational Consultant 585-721-8928 www.collegeassistanceplus.com/Mendon jlanphere@collegeassistanceplus.com Copyright © 2010 College Assistance Plus. All Rights Reserved

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A college education has become an essential part of the American Dream for millions of families. Indeed, extensive polling and focus group research conducted by our coalition of higher education associations in the last year clearly demonstrates that the public overwhelmingly believes higher education is vitally important for personal success. Furthermore, they believe that all children should have the chance to attend postsecondary education and, despite the high price, that college is a "good value" for the money. On the other hand, the public also is greatly concerned about the affordability of higher education, believes it is too expensive, and thinks that the price can be brought down without affecting academic quality. The public vastly overestimates the price of higher education at all types of colleges and dramatically underestimates the amount of financial aid that is available to help meet college bills. They don't know where student aid comes from or how to apply for it. Nor does the public understand why college prices increase. Most worrisome, perhaps, they think college leaders are indifferent to their concerns about the price of attending college. Our research also demonstrates that Americans worry about financing a college education. The lack of knowledge about paying for college is most acute among at-risk populations — first-generation college students, low-income families, and members of minority groups. The great divergence between the value that the public places on having access to higher education and the lack of information they have about what it costs and how to afford it — what we call "the knowledge gap" — is deeply troubling. No one with a commitment to higher education can be satisfied with the news that the public is so poorly informed about issues of choice and access. It is surely a danger signal that the public believes college officials are indifferent to their fears about being able to afford a postsecondary education for their children. THE NEED FOR A NATIONAL COALITION What can be done? We believe that two related steps are absolutely essential. First, colleges and universities must redouble their efforts to explain college costs, the prices that students are charged, the amount and sources of financial aid that are available, and the options for financing a college education. We must reach out to a broad range of business, community, and religious organizations and solicit their support in improving public understanding. Second, and no less important, colleges and universities must take strong steps to manage and contain costs, share innovative and successful cost management strategies, expand efforts to explain why costs increase on campuses, and talk candidly about the steps that have been taken to reduce costs and improve efficiency. Source: https://ebookschoice.com/a-college-education-has-become-an-essential-part-of-the-american-dream/

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1. Do you have a plan to lower your cost for the college you choose? We do. John Lanphere Educational Consultant 585-721-8928 www.collegeassistanceplus.com/Mendon jlanphere@collegeassistanceplus.com Copyright © 2010 College Assistance Plus. All Rights Reserved

2. Your Biggest Financial Decisions YourHome Your Retirement Your Children’s Education You created a plan. You compared offers. You have an expert advisor for all of these decisions. Right? Copyright © 2010 College Assistance Plus. All Rights Reserved

3. College is BIG BUSINESS “…Top private institutions charge what they do because a substantial number of people will pay it….” Andrew Manshel, former VP Finance & Administration at a leading university, Wall Street Journal, April 2007 College costs continue to rise rapidly – 6.5% for public in-state tuition and 4.4% for private colleges from 2008 to 2009. 2010 Survey by The National Center for Public Policy and Higher Education and Public Agenda Copyright © 2010 College Assistance Plus. All Rights Reserved

4. Where is the Government help? According to an April, 2010 NY Times article, even with the recent federal legislation to redirect $36 Billion over 10 years to the Pell grant program: “…the increase in the maximum Pell grant — to $5,900 in 2019-20 from $5,550 for the 2010-11 school year — is minuscule, compared with the steep, inexorable rise in tuition for public and private colleges alike… ” “… And because college costs are rising so quickly, the maximum Pell grant now covers only about a third of the average cost of attending a public university, compared with three-quarters in the 1970s... ” Copyright © 2010 College Assistance Plus. All Rights Reserved

5. What will college cost? More than you think. In 2008, annual costs ranged from $17,000 to over $50,000. The average graduate takes almost 6 years to get a degree. 40% never earn a degree ....but have the debt! Source: College Board and NellieMae Copyright © 2010 College Assistance Plus. All Rights Reserved

6. Who is on MY side? CAPlus is. This year we saved families over $365,000 using our 6 years of experience and our proprietary tools and strategies. We help: Reduce family stress. Compare colleges both financially and academically. Assist in college selection. Ensure the most cost-effective college financial package to DEGREE COMPLETION. Copyright © 2010 College Assistance Plus. All Rights Reserved

7. How does CAPlus help? Compare, Create, Negotiate We guide your student and family to identify and compare schools that match your academic and financial goals. We have the tools and expertise to create an environment for schools to compete for your student. We have the information and experience to negotiate for the best offers from the schools you choose. THAT is a proven plan. Copyright © 2010 College Assistance Plus. All Rights Reserved

8. Has CAPlus helped others? Hundreds of families But, nobody says it better than our clients: “Great service throughout the process” “CAPlus definitely took some of the stress out of our college search and assured us we were getting the best financial package.” “..GREAT JOB – professional, prompt, and clear communications; experience with knowledge.” “….they saved us thousands of dollars.” Copyright © 2010 College Assistance Plus. All Rights Reserved

9. Can CAPlus help me? That is Exactly what we do. We will guide you every step of the way to lower your cost for the college you choose. Join us in an informational seminar or call for a free, no obligation, personal consultation. John Lanphere Educational Consultant 585-721-8928 www.collegeassistanceplus.com/Mendon jlanphere@collegeassistanceplus.com Copyright © 2010 College Assistance Plus. All Rights Reserved

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