{"id":1934,"date":"2022-06-28T14:59:22","date_gmt":"2022-06-28T14:59:22","guid":{"rendered":"https:\/\/www.gunderwealth.com\/?p=1934"},"modified":"2022-06-28T17:08:00","modified_gmt":"2022-06-28T17:08:00","slug":"tackling-the-college-funding-puzzle","status":"publish","type":"post","link":"https:\/\/www.gunderwealth.com\/tackling-the-college-funding-puzzle\/","title":{"rendered":"Tackling The College Funding Puzzle"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section&#8221; _builder_version=&#8221;4.16&#8243; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row admin_label=&#8221;Row&#8221; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/www.gunderwealth.com\/wp-content\/uploads\/2022\/06\/Untitled-design.png&#8221; alt=&#8221;College Funding&#8221; title_text=&#8221;Untitled design&#8221; align=&#8221;center&#8221; force_fullwidth=&#8221;on&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.17.4&#8243; max_height=&#8221;800px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Text&#8221; _builder_version=&#8221;4.17.4&#8243; ul_line_height=&#8221;1.7em&#8221; header_line_height=&#8221;1.5em&#8221; header_3_line_height=&#8221;1.5em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Let\u2019s break down college funding considerations by addressing six key concepts.<\/p>\n<h2><strong>How much can you afford to spend on college?<\/strong><\/h2>\n<p>99.9% of people should fill out the FAFSA. Why? Because it calculates your EFC, which stands for the \u201cExpected Family Contribution.\u201d Many assume they won\u2019t qualify. However, most don\u2019t realize the EFC may be required to apply for <strong>merit-based scholarships.<\/strong><\/p>\n<p><strong>\u00a0<\/strong>Additionally, circumstances may change throughout a college education: divorce, death, disability \u2013 it\u2019s essential to have the EFC on file!<\/p>\n<p>When should you do this? In October the <strong>year before<\/strong> your student\u2019s first year starts (i.e., Oct 22 if entering Sept 23). This formula looks at assets as of the date you file and income from the prior tax year.<\/p>\n<p>This is a friendly reminder to ensure accounts are in the parent\u2019s name, not the student&#8217;s. Let\u2019s repeat: <strong>don\u2019t put the 529 in the student\u2019s name.<\/strong>\u00a0 As a reminder, an UTMA is an asset of the student and is included in the calculation at an unfavorable rate. This is one of the primary reasons we don&#8217;t recommend UTMA\/UGMA accounts.<\/p>\n<p>Let\u2019s address grandparents\u2019 assets \u2013 if funds are sent directly to the school, this is considered <strong>untaxed income<\/strong> to the student, assessed at an unfavorable rate (50%) in the EFC formula. Therefore, <strong>use grandparent\u2019s money for junior and senior year<\/strong> under CURRENT rules to avoid the 2-year look back. These rules will change starting with the 2024-2025 school year.<\/p>\n<h3>What\u2019s included in the EFC?<\/h3>\n<ul>\n<li>Non-retirement assets = YES<\/li>\n<li>Retirement assets = NO\n<ul>\n<li>Contributions to your retirement accounts get added back into the equation.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Every 529 is included on the EFC form regardless of the beneficiary. Remember, these are not student assets. <\/strong><\/li>\n<li>Real estate:\n<ul>\n<li>Home equity = NO<\/li>\n<li>Vacation home \/ rental property = YES<\/li>\n<li>If rental real estate is in an LLC, it <em>may<\/em> not be included \u2013 the guidance here is gray.<\/li>\n<\/ul>\n<\/li>\n<li>Small businesses = NO.<\/li>\n<li>Crypto = YES.<\/li>\n<li>Assets are as of the day you file.<\/li>\n<\/ul>\n<h3>What\u2019s a CSS profile?<\/h3>\n<p>This calculation is required by select elite colleges (26 as of 2022) and may be required in addition to a FAFSA. There are two different calculation methods for the CSS. Here are some differences to highlight between the CSS and FAFSA:<\/p>\n<ul>\n<li>Home equity is not in the equation on the FAFSA, but it may be considered on the CSS.<\/li>\n<li>Assets in a student\u2019s name may be included at different rates for the CSS.<\/li>\n<li>Divorced? The custodial parent files the FAFSA. However, some schools may require the spouse\u2019s information incorporated into the CSS.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><strong>Where you want to go vs. what you can afford<\/strong><\/h2>\n<p>NOW is the time to quantify \u2013 don\u2019t assume it will all add up and then realize on the backend that it doesn\u2019t.\u00a0 It\u2019s also worth considering if your student will work during the school year or the summer to contribute to the overall cost.<\/p>\n<p>How can you go shopping without knowing these factors?<\/p>\n<h3>\u00a0<\/h3>\n<h2><strong>How to find generous schools <\/strong><\/h2>\n<h3>Factors to consider:<\/h3>\n<ul>\n<li><strong>Academics + Financial Aid Policy (of the institution) + Family Financials<\/strong><\/li>\n<li>Total Cost of College \u2013 Expected Family Contribution (EFC) = Financial Aid Need<\/li>\n<\/ul>\n<p>Does your student qualify for <strong>merit-based aid<\/strong>? If so, it\u2019s important to remember this type of aid typically applies for all four years. Need-based aid, on the other hand, may be in the form of \u201cself-help\u201d aid. Self-help aid may not reduce the cost of college but may help you qualify for student loans and work-study.<\/p>\n<h3>Changes are coming:<\/h3>\n<ul>\n<li>The Student Aid Index (SAI) will replace the EFC in the 2024-2025 school year. Expect a shorter form of 35 questions.<\/li>\n<li>If you have multiple kids in school, the SAI no longer provides the additional benefit currently in place with the FAFSA.<\/li>\n<li>Expect increased access to Pell Grants.<\/li>\n<li>The expectations for divorced parents are changing.<\/li>\n<li>Grandparent assets are no longer assessed!<\/li>\n<\/ul>\n<h3>Free resources:<\/h3>\n<ul>\n<li>Net Price Calculators on the school\u2019s website<\/li>\n<li><a href=\"https:\/\/www.collegeboard.org\/\">Collegeboard.org<\/a><\/li>\n<li><a href=\"https:\/\/www.collegedata.com\/\">Collegedata.com<\/a><\/li>\n<li><a href=\"https:\/\/freecollegemoneyreport.com\/\">Freecollegemoneyreport.com<\/a><\/li>\n<\/ul>\n<p>Don\u2019t assume you must go to a state school because of the cost. If you have a high need and high merit, a private institution may offer you enough to make it equatable from a cost perspective, if not cheaper!<\/p>\n<p>&nbsp;<\/p>\n<h2><strong>What\u2019s the out-of-pocket cost?<\/strong><\/h2>\n<p>Hope is not a strategy! Types of scholarships:<\/p>\n<ul>\n<li>Competitive \u2013 \u201cWe have X # to give.\u201d A school looks at awarding this based on how this student will raise the school&#8217;s profile.<\/li>\n<li>Grid\/automatic \u2013 This is based on the student\u2019s ACT\/GPA; it\u2019s a pre-determined scholarship based on established criteria.<\/li>\n<li>Package \u2013 These are packages to compete with other universities attracting the same student demographic.<\/li>\n<\/ul>\n<p>Remember, don\u2019t shop for what you can\u2019t afford. You can forecast what the gap is before the visits take place. <strong>Also, be mindful of managing student loan costs without robbing retirement.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Analyze the college funding gap<\/strong><\/h2>\n<p>The type of the loan matters:<\/p>\n<ul>\n<li>With a <strong>federal direct student loan<\/strong> strategy, you can take out up to $27K for four years (as of 2022). That includes subsidized (needs-based), and unsubsidized (not need-based), and interest accrues immediately.\n<ul>\n<li>These loans are in the student\u2019s name, thereby establishing credit.<\/li>\n<li>It\u2019s a use-it-or-lose proposition. For example, take out $5.5K, $6.5K, $7.5K, $7.5K in the four years. Use it even if you have the funds and spread the 529 or other funding out over the four years. Then, you can pay it back early. This way, it helps avoid resorting to a high-interest private student loan by properly managing the funds available to you each year.<\/li>\n<li>It\u2019s typically a lower rate than a private loan.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Parent plus loan<\/strong>\n<ul>\n<li>These are easy to get, but interest rates are high.<\/li>\n<li>Interest accrues immediately, and these are non-transferrable.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Private loans<\/strong>\n<ul>\n<li>These are not need-based, typically require a co-signer, and have a higher rate.<\/li>\n<li>Remember, you may not qualify all four years and could end up in a pickle if expecting these in later years.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>It\u2019s worth considering what the student may make after graduation. Also, <strong>don\u2019t overfund the 529. Instead, put excess $$ in a brokerage account \u2013 give yourself the flexibility. <\/strong><\/p>\n<h3>A 529 can be used:<\/h3>\n<ul>\n<li>To pay up to $10K in student loans.<\/li>\n<li>For trade school and apprenticeship programs.<\/li>\n<\/ul>\n<p>If you\u2019re cash-flowing college costs, consider doing it via the 529 if you receive a state tax deduction.<\/p>\n<p>The American opportunities tax credit has a phase-out between $160K-180K in household income (as of 2022). So, for example, if you spend $4K, you can get up to $2.5K back as a credit. If you qualify for this, don\u2019t use 529 assets (use non-529 assets for the $4K).<\/p>\n<p><strong>If your kids are young, it\u2019s important to start the investment process!<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Is an appeal necessary?<\/strong><\/h2>\n<p>You can go back and ask for additional money. But this happens <em>during<\/em> the application process. Despite what some think, the school won\u2019t take back what they\u2019ve already offered you.<\/p>\n<p>One school may ask for the letter you\u2019ve received from another school if you\u2019re trying to get them to match. However, the schools must be comparable.<\/p>\n<p>If your situation changes (i.e., death, divorce, layoff), it\u2019s worth submitting an appeal.<\/p>\n<p>&nbsp;<\/p>\n<p>We&#8217;re happy to navigate this process with you. So don&#8217;t wait until the last minute &#8211; <a href=\"http:\/\/www.gunderwealth.com\/contact\">contact us<\/a> today!<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s break down college funding considerations by addressing six key concepts. How much can you afford to spend on college? 99.9% of people should fill out the FAFSA. Why? Because it calculates your EFC, which stands for the \u201cExpected Family Contribution.\u201d Many assume they won\u2019t qualify. However, most don\u2019t realize the EFC may be required [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":1935,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\r\n<p>Welcome to WordPress. This is your first post. Edit or delete it, then start writing!<\/p>\r\n<!-- \/wp:paragraph -->","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[22],"tags":[156,157,160,159,158,161,120],"class_list":["post-1934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technical","tag-college-funding","tag-college-planning","tag-css","tag-efc","tag-fafsa","tag-sai","tag-saving-for-college"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tackling The College Funding Puzzle - Gunder Wealth Management<\/title>\n<meta name=\"description\" content=\"Don&#039;t shop for what you can&#039;t afford! Let&#039;s quantify college funding costs before it&#039;s too late. Develop a plan today.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gunderwealth.com\/tackling-the-college-funding-puzzle\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tackling The College Funding Puzzle - Gunder Wealth Management\" \/>\n<meta property=\"og:description\" content=\"Don&#039;t shop for what you can&#039;t afford! Let&#039;s quantify college funding costs before it&#039;s too late. 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