Ready to get started?

Call us toll free at 844-CFS-4AID (237-4243) or email us at info@ineedfinancialaid.com


OUR COMPANY

Ambitious ideas & brilliant implementation

About College Funding Services

College Funding Services (CFS) was founded in 2005. CFS was designed to help parents navigate the challenging admission and financial aid processes. We are comprised of a team of financial aid specialists, admissions specialists, accountants, attorneys and investment advisors.

Beginning with one office in Massachusetts CFS continues to expand.
Today CFS has three offices located in Massachusetts, New Jersey and New York. We have helped thousands of families find the best possible college fits for their students and demonstrated how to pay for college expenses in the most cost-effective manner.

Nationwide Service

CFS is licensed to operate in all 50 states. CFS can perform the entire gamut of our services regardless of where our clients are located. We have established a convenient, streamlined, secure method that allows us to serve every client need regardless of their location We also offer reduced pricing for “virtual” clients in order to account for phone charges, etc.

CONTACT US

FINANCIAL AID SERVICES

Application & Payment

Applying for College Financial Aid

Financial Aid Applications

CFS completes all financial aid applications

  • FAFSA

  • CSS/PROFILE

  • Non-custodial Parent PROFILE (when applicable)

  • Institutional Applications

CFS does not just complete the forms, but we complete them in such a way that will MAXIMIZE your eligibility for FINANCIAL AID. It’s not just completing forms but how we complete the forms that separates CFS from everyone else. There are several strategies that CFS uses to make sure you present the best possible situation to each college.
This can be a very overwhelming process. It is essential that all of your financial aid paperwork is done on time and accurately. Let the professionals handle this for you.
START YOUR APPLICATION PROCESS

Borrowing Loans for College

Borrowing For College

There are hundreds of borrowing options available to every family. CFS will ensure you understand the pros and cons of each option and how to execute the one that is best for you. There is no universal path to the best borrowing method/s. Find out which option/s makes the most sense for your family.

It is essential to make sure you are borrowing in the most COST-EFFECTIVE manner. The difference between different lending programs can translate into tens of thousands of dollars.
We will educate you and walk you through the following loans:
  • Direct Subsidized Stafford

  • Direct Unsubsidized Stafford

  • Perkins Loan

  • MEFA

  • PLUS

  • HESAA

  • Other State Loan Programs

  • Private Loans

How Do I Pay for College?

Paying for College

We will develop the optimal strategy for paying for college costs. Once we minimize the amount you will pay at any given school it is up to us to demonstrate the best way to pay these bills. Here are a few of the questions we will be able to address based on your particular situation:

  • If there are savings, when does it make sense to use them?

  • If the students and/or the parents need to borrow, what are the options and what is the most cost-effective option for our family?

  • Is there anywhere we can have savings, that will not negatively impact our eligibility for financial aid?

  • How can we save for retirement, and also contribute towards college costs?

  • What is a reasonable amount for the student to borrow?

  • What will our monthly payments be with each borrowing option?

  • When do we have to start repaying loans?

Negotiating with Top Colleges

Negotiating with Colleges

CFS has a proven system for successfully appealing colleges original financial aid offer. Much of our success comes from knowing which schools will compete with one another, which allows us to strategically leverage schools against one another.

CFS has hundreds of client testimonials demonstrating our successful appeals.

Planning the Full Cost of College

Forecasting

Wouldn’t you like to know how much a given college will actually cost your family more than 1 month BEFORE you have to make a decision? With CFS’ database and software we can tell our clients how much money they’ll receive BEFORE they even apply.

This knowledge allows families to decide which colleges are financially feasible before receiving the bill. We show families how not to be fooled by the “sticker price.” Many of the most expensive schools are also the most generous. Find out which ones apply to your student.

How to Get Into College

Other Services

We do not just complete the forms, we complete them in such a way that will MAXIMIZE your eligibility for FINANCIAL AID.

We also help with:
  • Forecasting actual cost.

  • Negotiating with the colleges of your choice.

  • Borrowing for college

  • College payment strategies

ADMISSION SERVICES

Identifying your eligibility for merit based aid

Admissions Services

We will identify which colleges the students will be eligible for merit-based aid based on GPA, Class Rank, extracurricular activities, SAT scores, etc. Your student is eligible for merit-based aid even if you do NOT qualify for NEED-BASED Aid

Examples of the merit based aid:
SPORTS
MUSIC
DEMOGRAPHIC
GREEK LIFE
DANCE
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We will identify which colleges the students will be eligible for merit-based aid based on GPA, Class Rank, extracurricular activities, SAT scores, etc. Your student is eligible for merit-based aid even if you do NOT qualify for NEED-BASED Aid.

In addition to applying to academically “safe” schools we will make sure the student applies to at least one financially “safe” school.
When students identify potential schools of interest we will arrange guided tours for them including directions to the school, parking passes, interviews, etc. We can also arrange meetings with department heads, coaches or specific professors within a desired major.
Contact Us About Admissions

CFS will identify which colleges are the best fit for your student based on but not limited to, the following criteria:

  • Major Interest

  • Career Interest

  • Average Starting Salary for graduates in particular major

  • Average time graduates receive a job within their desired field

  • Graduate school acceptance rates

  • Geographic Location

  • Size

  • Classroom size

  • Extracurricular Activities

  • Social Reputation

  • Demographics

  • Price

  • Study Abroad Program

  • Sports

  • Music

  • Greek Life

STUDENT ATHLETICS

Sports for admission and financial aid

Student Athletes

CFS has several resources available for potential student-athletes. Athletics can be a very powerful tool from both an admissions and financial aid standpoint.

CFS has relationships with dozens of college coaches across a wide range of collegiate sports. Several members of the CFS staff are former college athletes that have personal experience with this endeavor.  We are happy to guide families through the entire college recruiting process.

WORKSHOPS

Free financial aid workshops

Free Workshops

CFS conducts free financial aid workshops throughout the year. Some of the content includes:

  • How to minimize your Expected Family Contribution (EFC)

  • Student assets vs. parent assets How to value your home.

  • How colleges view 529 and other education savings plans.

  • How colleges view retirement plans and retirement contributions.

  • Which schools offer the most need-based and/or merit-based money.

  • How to negotiate and improve your initial financial aid award with colleges

View our Workshop Calendar

CHECK OUT OUR CALENDAR

Call us toll-free to ask about our workshops

844-237-4243

GUIDANCE COUNSELORS

One-on-one counseling

Guidance Counselors

CFS provides free financial aid workshops for high schools throughout the Northeast. The 1-hour power-point presentation is a comprehensive tutorial for high and/or college parents.

There is no solicitation and/or mention of services during the presentation. The workshop is very interactive as attendees are encouraged to ask question throughout.

Some of the content includes:

  • How to minimize your Expected Family Contribution (EFC)

  • Student assets vs. parent assets

  • How to value your home

  • How colleges view 529 and other education savings plans

  • How colleges view retirement plans and retirement contributions

  • Which schools offer the most need-based and/or merit-based money

  • How to negotiate and improve your initial financial aid award with colleges

We have worked for years to develop the best possible financial aid workshop available. We believe we have reached that status and continue to evolve and improve with each presentation.

We have dozens of guidance counselors, PTA members, and administrators that serve as enthusiastic referrals for our program.

Ready to get started?

Call us toll free at 844-CFS-4AID (237-4243) or email us at info@ineedfinancialaid.com