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BEFORE

The prime time to engage our services is BEFORE the college stage. Though we would want to engage with the student in 11th grade, we do recognize that many families do not understand the advantages of using a college-planning professional until later in the process. Starting early allows our team to potentially have the most positive impact on your strategy, hence yielding the best results for your situation. We offer an array of services to high school students that will help guide your family through the college planning cycle. Included are coaching on admissions, college selection, essay excellence, college applications refinement, scholarships, financial aid eligibility, financial aid forms preparation, college funding, student loan repayment plans and more.

DURING

Many families use our services to help reduce the cost of college, negotiate financial aid awards, explain the many college funding options, properly file financial aid documents, such as the Free Application for Federal Student Aid (FAFSA) and College Scholarship Service (CSS) PROFILE, to help maximize aid, complete transfer applications, explain academic probation options and much more. Our goal is to help you pay less for college, minimize student debt, and help parents understand that by not knowing the rules of
the “college game” you will overpay college, underfund your retirement, and overpay your taxes.

AFTER

Our client relationships don't end just because a student made it through college. Many times this is when the college loans kick in. We can help with loan consolidation to lower interest and monthly payments. Will you be applying to Graduate School? Competitiveness, college readiness, and the complexities of the process can present challenges for your student, and it may take more than just internet research to provide your students with the confidence they need and deserve to plan their futures. That’s why we are committed to earning your trust by thoroughly understanding your goals and dreams.

Prepare, Plan and Pay for College

How many of you are stressed about your children getting into good colleges and universities? How many of you are worried about how you’re going to pay for the schools that your children get into?

It’s understandable that you are feeling nervous. College costs have outstripped inflation for decades. The cost of college continues to climb even as the income of many parents remains stagnant.

College Advisors Group helps you with the tools and know-how you need to pay less for higher education. As a parent, you may be asking “How can I afford to send my child to college” or “Will my child qualify for financial aid.” Navigating the way from high school to college can be filled with excitement and new possibilities, but can also be daunting and confusing. We help create sound financial aid strategies for families with students in high school, college, or graduate school.

Before, during, and after college. Our professional guidance, debt elimination programs, strategic plan of action and track record of success, allow students and families to see unprecedented results!

Thoroughly committed to understanding each family’s goals. We are here to help keep the student and family on the path to long-and short-term success. Our goal Is to help you pay less for college, minimize student debt, and help parents understand that by not knowing the rules of the “college game” you will overpay college, underfund your retirement, and overpay your taxes.

Competitiveness, college readiness, and the complexities of the process can present challenges for your college-bound student, and it may take more than just internet research to provide your students with the confidence they need and deserve to plan their futures. That’s why we are committed to earning your trust by thoroughly understanding your goals and dreams.

The reality is that paying for college isn’t as scary as tuition-rates would lead you to believe. With some know-how, you can reduce the price-tag of sending your child to college.

Meet Gayle Jendzjec

ChFC  CLU  CFS  CASL  LUTCF

Gayle is the president of College Advisors Group. She has helped individuals, families and business owners since 1986 with all areas of financial services. Gayle specializes in analyzing your overall financial situation, determining the appropriate level of risk for you to assume, helping you design a retirement income strategy to fit your needs and developing tax minimization strategies for you, your business and your estate. Money is working, regardless of the money’s original purpose. Understanding money in motion is key to financial success.

She started her education at the University of Rhode Island, opened her own business at age 21, started in financial services in 1986, studied at The American College of Financial Services in Bryn Mawr, Pennsylvania, and has received certifications from the Institute of Business and Finance.

By taking the time to understand her clients’ financial and lifestyle goals, needs and challenges, Gayle offers unbiased advice and direction that has ultimately led many of her clients to a more confident financial future. She firmly believes in Benjamin Franklin’s affirmation that “knowledge is power.” After all, if you do not have a financial roadmap — or a financial GPS — how do you know if you are heading in the right direction?

Since 1986, Gayle has made it a mission to become a student of the financial services industry to better serve and coach her clients to greater financial freedom. She started her education at the University of Rhode Island in Kingston, opened her own business at age 21, started in the financial services in 1986, studied at The American College of Financial Services in Bryn Mawr, Pennsylvania, and has received certifications from the Institute of Business and Finance. She continues today in her pursuit of designations and certifications.

Gayle M Jendzejec is an Investment Adviser Representative of Equity Services, Inc and offers securities in the following states: Rhode Island and Massachusetts.  Gayle M Jendzejec is insurance licensed in Rhode Island, Massachusetts and Connecticut

Parents MUST lead the college selection process because you have the most to lose. “Lose” means picking the wrong school, overpaying for it, or underestimating total costs, including how many years it actually takes to earn a degree.

Parents are asking:

  • How am I going to afford sending my child to college?
  • Will my child qualify for financial aid?
  • What are the different kinds of financial aid available?
  • Will I actually have to pay the sticker price?
  • What’s the best way to find the schools that offer the most financial aid?
  • What websites and tools exist to help me?
  • How do I determine if a school is worth the cost?

We'll help you understand the rules for:

  • How scholarships and grants are awarded and which ones you should focus on given your financial profile.
  • Evaluating each college’s Net Price Calculator and how best to use them to attain a realistic picture of what that college will actually cost.
  • How athletic scholarships are awarded and why they aren’t always as desirable as commonly believed.
  • The difference between government and private loans

Getting kids through grade school and then high school is hard enough. You’ve been working and working, maybe saving for the eventual college tuition. Then, BOOM! Your kid is a junior or senior in college and you realize you haven’t planned enough. The costs of tuition, plus room and board, are higher than you expected. Stress increases as you receive piles of slick brochures from fancy colleges and hear your friends brag about where their kids are going. This can lead to poor decisions which may negatively impact your family’s financial health for years, even decades, to come. Your son or daughter can go to a good school, have a great college experience, and do it without saddling you with undue debt.

Parents MUST lead the college selection process (with child as co-pilot) because you have the most to lose. Families often overpay for college, take on too much debt, and hurt their savings and retirement plans because they’ve tumbled unprepared into the late-stage college funding pressure cooker.  It used to be that homeowners planned to pay off their mortgages and live out retirement debt-free.  But a 2018 survey by national mortgage firm American Financing found that 44% of Americans between the ages of 60 and 70 have a mortgage when they retire. Nearly 17% think it’s possible they will never pay off the mortgage. A stunning 32% predict it will take more than 8 years. Why is that? For many families, it’s the price of sending their child to a costly college.

Higher education is actually a buyer’s market, despite news about increased costs and high rejection rates.  When you meet with us we will help explore your Expected Family Contribution. This is a dollar figure that represents what a financial aid formula believes your household should contribute to pay for one year of a child’s college education—but it’s not necessarily what you will pay. The EFC will give you a good idea whether you will qualify for need-based aid or if you should seek out schools that provide merit scholarships. Parents with college-bound children often don’t understand the complexities of the financial aid process. They can’t plan for the tuition costs effectively without the right information on what to do to get more financial aid for their children.

We can show you proven ways to reduce the cost of college.  Through scholarships,  prioritizing types of available financial aid, Expected Family Contributions and finding the right college. The reality is that paying for college isn’t as scary as tuition-rates would lead you to believe. With some know-how, you can reduce the price-tag of sending your child to college.

Students and parents feel the academic and social pressure of competition. Colleges will target you to apply mostly so they can reject the application.

CONTACT US TO LEARN HOW TO CUT THE COST OF COLLEGE

College Advisors Group  P: 401.821.0080 | Fax: 401.827.8004  |   623 Post Road,  Warwick, RI 02888  | Gayle@CollegeAdvisorsGroup.com

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