College funding looks different for every household. Some parents want to save toward a specific target, some want to have something available without overcommitting, and others are trying to balance multiple children’s college planning with retirement, housing, and everyday life.
Today, I’m joined by Eric and Kaylee Roberge, co-hosts of the Money for Life podcast and leaders at Beyond Your Hammock, a Boston-based wealth
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Latest from Smart College Buyer
Building a Target College List Based on True Costs, Not the Sticker Price | EP 37
College pricing can be frustrating because the number a school publishes is rarely the whole story. The sticker price, or total cost of attendance, may include tuition, housing, food, fees, books, and transportation. But after financial aid, scholarships, and grants, a family’s actual net price can look very different.
In this episode, I break down how families can estimate their real…
Beyond Grades: The Role of Student Passion Projects in College Applications | EP 36
As college admissions become increasingly competitive, I see more families wonder what actually helps students stand out beyond strong grades and test scores. In this episode, I sit down with Elton Lin, CEO and founder of ILUMIN Education, to talk about the growing role of passion projects in the admissions process—and why colleges are paying attention to them.
From student-run businesses to community-based…
Understanding the CSS Profile: Key Differences from FAFSA for College Financial Aid | EP 35
One of the most important things to know when understanding college affordability is that not all financial aid formulas work the same. Two families with identical financials can receive very different aid packages depending on whether a school uses the FAFSA or the CSS Profile—and how that school applies its formula.
In this episode, I walk through how each system evaluates your…
Key Misconceptions Families Face When Planning to Pay for College | EP 34
College planning isn’t just about getting in or figuring out how to pay—it’s about understanding the long-term financial impact on your entire family. In this conversation, I sit down with financial professional and parent Brian Eyster to break down how college decisions affect not just today’s cash flow, but future income, retirement, and financial flexibility. What becomes clear is that many families focus on the immediate…
How FAFSA Assesses Your Income and Assets: Breaking Down the Essentials | EP 33
If you’re trying to navigate the FAFSA, the most important thing to understand is that this is a formula—not a strategy game. There aren’t shortcuts or “tricks” that dramatically change your financial aid outcome. What matters is knowing how income, assets, and family structure are actually evaluated so you can make informed decisions around college affordability.
Where I see families get stuck is assuming all money…
Essential College Meal Plan Tips: Health, Budget, and Supporting Your Student | EP 32
College meal plans seem simple—but they’re one of the most overlooked areas where families waste money. In this conversation, I sit down with nutrition and personal finance expert Reyna Gobel to break down how meal plans, food habits, and budgeting all intersect once students get to campus.
What looks convenient on the surface can quickly turn into unused meals, poor nutrition choices, and unnecessary…
State-Based and Private College Loans: Essentials for Managing Education Costs | EP 31
Paying for college has become less about finding one perfect solution and more about understanding how different pieces fit together. Federal direct loans, parent PLUS loans, payment plans, savings, and private loans all work differently—and knowing those differences can help you avoid making rushed decisions under pressure.
In this conversation with John Hughes of the Massachusetts Educational Financing Authority (MIFA),…
Why Your GPA Isn’t Everything in the College Admissions Process | EP 30
GPA is one of the most talked-about numbers in college admissions—but it’s also one of the most misunderstood. In this episode, I sit down with independent educational consultant Nancy Steenson to break down what that number actually means—and what it doesn’t.
We dig into how colleges evaluate transcripts, why different GPA scales make comparisons unreliable, and how course selection plays a much bigger role than most…
How to Tell If Your Advisor Knows the Real Story About College Financial Aid | EP 29
College planning is full of well-meaning advice — but not all of it actually helps families make better financial decisions. In this episode, I break down some of the most common statements families hear from financial advisors and explain why many of them reveal a limited understanding of how college funding and financial aid actually work.
From misconceptions about 529 plans and life…