“Professional college planning is about ensuring your child gets into the school that’s best for them academically, geographically, socially, culturally, professionally, and financially.”
Vivensure challenges and encourage students and their parents to think differently, to think unconventionally, and to look beyond “name-brand” recognition. As a third party to the equation, we can convey the “big picture,” helping the student understand college is much, much more than good grades, good times, and a diploma.
Partnering with Vivensure is perhaps the easiest, most efficient means of streamlining your college planning campaign. Rather than fending for yourself, our Financial Coaches will help you compile a list of “best-fit” schools based on academics, geography, culture, professional aspirations, and cost.
Common Myths
Surrounding the Cost-of-Attendance and Financial Aid
I make too much money to qualify for financial aid.
I don’t make enough money to be able to afford the cost.
I will need to compromise my retirement or lifestyle in order to afford the cost.
I can’t afford to send my child to a private/expensive school.
What is Need-Based Financial Aid?
Need-based financial aid includes grants, scholarships, work-study and subsidized student loans. As opposed to other types of student aid, need-based aid is awarded solely based on your—or your family’s—financial situation. Need-based financial aid is distributed by the federal government, as well as through state governments and institutions like colleges.
Types of Families
We help each of these families navigate the entire financial aid process.
Families qualifying for need-based financial aid
Many high schools do host FAFSA nights. But it’s not just filling out the form correctly that matters – it’s making sure the right information goes in the right place and that families do not disclose information that they don’t need to! We also help by assisting in negotiations for a better aid package. We identify schools with the highest aid budgets. A family won’t benefit if a school doesn’t have the necessary financial aid budget.
Families that qualify for some need-based financial aid but will be paying a good portion of the annual cost-of-attendance
This is the most common. If a family receives what we consider to be an unfair aid package, we assist in negotiations for a better aid package. We utilize every legal strategy available to help reduce the family’s Expected Family Contribution (EFC). We want to help the family receive as much free money as possible, while minimizing the self-help money (i.e. loans). Further, we develop strategies that will help the family handle student debt repayment while they address other financial goals.
Families that will not qualify for any need-based aid
Our goal for families in this category is to help them send all children through college comfortably without neglecting all of the family’s other goals (e.g., paying off the mortgage, supplementing retirement income, purchasing a second house somewhere warm, etc.)
Vivensure is your ally in the battle to ensure that your college-bound children receive the best education available for the lowest possible out-of-pocket expense.
How do WE Get You There?
By reducing the family’s Expected Family Contribution (EFC) to the lowest level possible through recharacterizing income and assets making as much as legally possible invisible for purposes of the EFC calculation.
By identifying the schools that best fit the student’s needs, based on size, location, academics, family budget, and gifting formula.
By maximizing the marketability of your student to the schools to which they will apply.
By putting you in the position to pay last. By paying last you will pay the least.
Our mission is to provide guidance to families of college-bound students (currently in grades 1-12) in ALL areas of the college planning process.
Request a FREE consultation today!
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