The College Money Guys - September 2018

WHAT TO LOOK FOR FINANCIAL AID, UNIVERSITIES, COLLEGES — DON’T SPEND MORE THAN YOU NEED TO!

family to pay toward each school. The private university, which has more money, might offer financial aid that will cover the family-owed expenses, leaving you to pay only $5,000, while the state school, with far less money, may only offer $2,000 in aid, leaving you to pay $8,000. Pick colleges that will provide the best financial aid packages. Why waste your time applying to schools that will never give you the money you need? Some schools can award plenty of money to students, while others can’t. It’s crucial for you to know this information before applying to a school. Knowing in advance which schools give the best financial aid packages allows your child to choose a school where they’ll receive more aid. Locate and apply for need-based scholarships, grants, and low-interest loans. Leave no stone unturned in your search for financial support. Apply for all need-based sources of funding through the federal government, the state you live in, and the colleges or universities your child is applying to. Most of these financial aid programs can be applied for through the FAFSA.

The average cost of a four-year college education today is $40,000– $120,000. Trying to cover all of that can be downright traumatic. Here are a few ways you can save yourself and your child money as they take this next step in their education. Send your child to an expensive private university for less. Believe it or not, some private schools are cheaper than state schools or local community colleges. Let’s say your child applies to one private university and one state college. The private school costs $25,000 per year, the state school costs $10,000, and your family contribution is $5,000, which is the minimum amount the government expects your

Keep your eyes peeled for the best ways to get your children through college without it costing an arm and a leg.

BEANS AND GREENS RIGATONI

HAVE A LAUGH

INGREDIENTS • 12 ounces rigatoni pasta • 1 bunch Tuscan kale, rinsed • 1 15-ounce can cannellini (white kidney) beans • 2 tablespoons extra-virgin olive oil INSTRUCTIONS 1. In a large stock pot, boil 6 quarts of liberally salted water. On another burner, heat a large skillet to medium-low. 2. Add pasta to boiling water and cook for 3 minutes less than the package recommends. 3. While pasta is cooking, add beans, red pepper, and oil to the skillet. Cook until lightly browned, about 5 minutes. 4. Add cooked pasta, kale, and 1 cup pasta water to skillet. Toss vigorously as kale cooks, about 4 minutes. 5. Transfer to bowls, top with a squeeze of lemon, sprinkle with cheese or salt, and serve. Inspired by Bon Appétit Magazine • 1/2 teaspoon crushed red pepper flakes • Juice of 1 lemon • Salt, for pasta water and to taste • 2 ounces fresh grated Parmigiano-Reggiano (optional)

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