With college costs increasing at an average rate of 6% to 10% each year, many families are finding it increasingly difficult, if not impossible, to send their children through four years of college.

Effective college financial aid planning requires a sophisticated knowledge of the complex elements that determine a student's aid eligibility. With four-year tuition costs ranging from $14,000.00 to $200,000.00, our clients have discovered that it makes good "cents" to utilize a professional who has the concrete, real experience to guide you through the process and ensure you're not losing financial aid dollars.

Our primary objective is to help your family qualify for your fair share of financial aid!

How We Work…

• We present public, educational Financial Aid Seminars for high schools, PTA's, businesses, and organizations
  
• We consult with families to help them qualify for their fair share of financial aid to make college more affordable.

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Our Consultation Consists of…

• A thorough analysis of your family situation regarding the factors that impact your aid eligibility.
• Recommendations and strategies to ensure that the student is demonstrating as much financial need as legally possible.
• A calculation of your EFC, Expected Family Contribution. (Knowing how much your out-of-pocket costs will be before you go through the process could save you considerable time, money, and frustration).
• Review of FAFSA forms prior to submission to minimize errors.
• Monthly updates concerning financial aid changes and strategies.
• Sound advice on how to effectively finance the portion of college costs not subsidized by aid.
• Expert review of the necessary financial aid forms. (Forms improperly completed or sent in too late may reduce, delay, or disqualify your aid).
• Tips on evaluating and appealing the financial aid packages offered.

Results…

For privacy reasons, we do not discuss our clients' successes unless they agree to share that information. (See our testimony site for some of our clients remarks).

Because each family's financial situation is different, the strategies and results will differ from family to family. Here are some of our clients' comments:

• "…like having a unbiased advocate that works for us ,"
  
• "...like having a year around resource for funding questions,"
  
• "We appreciate $4,000 that we would have left on the table."
  
• "After working with Thaddeus Lubbers, we received a full-ride financial aid scholarship to the college that was our daughter's first choice. Another local college had committed to only $7,500.00 of aid. Thank you."
  
• "We thought, we would be unable to qualify for aid, but received over $5,000 worth of aid."

Helpful College Aid Links...

Link to Electronic FAFSA

Link to How to Write College Essays

Link to Private Scholarship Options

Link to Private Scholarship Options

Link to Information on CLEP Testing

NOTE: lubbers & associates, llc is not a scholarship search service. We help parents make sense of the college financial aid process. We do not and can not guarantee financial aid to any student or family. Furthermore, we will not make recommendations that are either illegal or unethical.*