PAGE 96
THE BERNARDS-RIDGE CONNECTION
NOVEMBER 2013
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PENZA ASSOCIATES, INC.
732-560-0463
Submitted By: Penza Associates, Inc.
Parents of college bound students,
for over 25 years we have been suc-
cessful in helping families to not only
become eligible for College Gift Aid,
but also to maximize their award.
With college costs skyrocketing,
most students are now graduating
with a heavy debt burden (even with
some financial help from their par-
ents). Needless to say, in order to
reduce the cost of college (and their
student’s debt), many parents file
Financial Aid forms hoping to obtain
college gift aid. Unfortunately, most
parents fail in this endeavor because
they fill out their Financial Aid forms
without having any advance knowl-
edge as to whether the financial data
being submitted will result in a gift
aid award.
Please recognize that
filling out financial aid forms is
very easy.
However, doing so does
not provide any assurance that the
financial data you submit will make
you eligible for college gift aid. The
real challenge to obtaining gift aid is
knowing before you forward your
financial aid forms, what legal
actions are available, and if imple-
mented,
will ensure that the data
submitted will make your stu-
dent eligible for college gift aid,
and thereby reduce his/her debt
load.
When a college determines who
meets its criteria for gift aid (and for
what amount), you should know that
it does not rely on the Federal FAFSA
formula. Rather, each college uses its
own unique multifactor formula to
determine whether you are eligible
for a gift aid award. Unfortunately,
most parents
invariably fail to
obtain college provided gift aid
because they have not taken the
time to learn: (1) the specific criteria
of the gift aid formula used by the
colleges they are applying to, and (2)
how to legally adjust their financial
position in order to fall within the
college’s criteria for gift aid, and to
maximize their gift aid award.
As a Certified Financial Planner™
professional with over 25 years of
college financial aid experience, I
have become very knowledgeable of
the multiple laws/rules governing
college provided need-based gift aid.
Please be aware that a number of
legal methods are available (which
every family should assess) that will
make
most middle income parents
eligible for college gift aid (i.e.,
money which you do not re-pay).
Most importantly, I have been very
successful in helping families become
eligible and to maximize College Gift
Aid by: (1) providing recommenda-
tions on how parents can ensure that
their student will meet the College’s
criteria for Gift Aid, and (2) providing
customized letters which contain
client specific financial information
designed to
maximize your stu-
dent’s gift aid award
by justifying
to the College FAOs the parents’
truly have a financial need (vs. desire)
for gift aid. We also prepare your
responses to college audits i.c.w. aid.
Most importantly, you are
never
under any obligation
to implement
any of my recommendations. Doing
so should be based solely on whether
each recommendation makes eco-
nomic sense for your family. Addi-
tionally, I will refund your entire fee if
you do not receive at least a previ-
ously established and mutually
agreed to specified amount of
gift/financial aid directly from any
college your student elects to attend.
Our basic service option fee is $500.
In order to learn more about my serv-
ices and the entire college gift aid
process, I offer a
free and private 1
hour consultation meeting, with-
out any strings, obligations or
risk of follow-up calls.
College Financial Aid
ENSURE THAT YOUR STUDENT
IS ELIGIBLE FOR COLLEGE GIFT AID
908-236-7997
1260
Rt. 22 West • Lebanon
(
only minutes off Rt. 31, 78, 287, 202 & 206)
www.capconnections.com
WHATEVER THE WEATHER…
WE’VE GOT YOU COVERED!
CAP
Connection
The
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TONNEAU COVERS
Tool Boxes • Bug Shields • Hitches • Running Boards • Bed Liners
Push Bars • Vent Visors • Floor Mats • Fog Lights • Ladder Racks
Quality Products with Professional Installation
Gift Certificates Available!
Family Owned
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Operated
Since 1996
www.theconnectionsnj.com
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