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Pay for College Without Sacrificing Your Retirement: A Guide to Your Financial Future Paperback – April 1, 2008
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This timely and topical book is filled with legitimate money-saving strategies and sound recommendations. -- Eric Goodhart, Director, SmartCollegePlanning.org
Tim Higgins gives excellent advice for how to most efficiently pay for college. -- Timothy B. Lee, Ed.M., Certified Educational Planner, AHP Educational Consulting, and President of the Independent Educational Consultants Association
Tim Higgins is unique in his field of college financial planning in that he truly understands the concerns families have about this huge investment, and he views the process holistically. -- Charlotte Klaar, Director, College Consulting Services
Tim Higgins' savings and cost-cutting options coupled with his ability to understand the total financial picture is extremely valuable. -- Gregg Cohen, President, CampusBound.com
“Tim Higgins gets to first base with admission advice, second with how the aid system works, third with general financial advice, and finally to home plate with the most important message in the book—don't commit yourself to paying a college bill without considering its effect on your income during retirement.” —Don Betterton, retired Director of Financial Aid at Princeton University
From the Back Cover
Offers essential information for families at all income levels: * financial aid and figuring your "expected family contribution" * academic, athletic, and need-based scholarships * tax-sheltered savings plans such as 529s * business assets, loans, home equity, and retirement savings * potential help from grandparents * how to choose the best college for the money
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Top Customer Reviews
This is not a last-minute, quick fix for scrounging up money when your child is a senior. But for those late in the game (a child in high school), it does do an excellent job of explaining how financial aid works, why you should fill out the application for aid even you're sure you won't get any, and what to do with your assets (and when) to increase the possibility that you will get aid. It also gives advice on working with colleges to see if your child can get a better aid package than the one he or she was initially awarded.
I also really liked the fact that the book isn't just about getting financial aid. Just because you don't qualify for federal aid doesn't mean that paying for college is easy. The author does a nice job giving examples of strategies for a variety of income levels. We won't qualify for need-based aid, but I learned that there is more I can do in terms of our savings and investments to help pay for college.
The book also isn't just about the money. I appreciated the discussion on the importance of selecting the right college, not just sending my child to what she thinks is her dream college. I have changed my mind about the importance of the college visit prior to making a decision. I didn't do this when I chose a college, but will now think of that as an investment rather than an optional, possibly unnecessary expense.Read more ›
I will unhesitatingly recommend this book to clients and colleagues. In fact, I plan to purchase multiple copies to have on hand for my clients, many of whom have the same questions that I had and which the book answered.
Tim paints pictures of wonderful options of various types of college choices, with the benefit of saving money that can accumulate in investments rather than in retirement depletion because of "payments". Why not go to a lesser school when you are unsure of your major? If you are going to college to "live the college experience out of state", why not stay with friends who are away when you are on break? Hey, when it's all over (and it goes by fast) you'll probably owe much less money and be saving for your home instead! More than likely, they'll be living home again and need to come visit you! Use your "leverage" as Tim suggests.Read more ›
I have done my own taxes and retirement accounts for decades and thought I knew everything and was doing everything right for college. Tim's book clearly explained how colleges calculate the Expected Family Contribution (EFC) and how they use that to determine financial aid. He lays out simple strategies for legally minimizing your EFC and increasing your chances for aid. Although I was doing things well, Tim lays out some even better strategies.
There was one small detail in the book I was unclear about, so I emailed the author. He replied the same day with a very clear explanation.
Most Recent Customer Reviews
I very rarely write reviews however I heartily endorse Tim's book. As a parent of a high school senior, the college selection, application, and financial aid process can be... Read morePublished 4 months ago by Amazon Customer
This book is a must have resource for parents planning to send their child off to college. Mr. Higgins explains the college admissions/recruiting process in a clear and precise... Read morePublished 5 months ago by Dan G.
Finally a comprehensive down to earth view of the financial aid process for college! Enjoyed the author's clear presentation.Published 6 months ago by P T Stephan
I found this book to be very helpful in adjusting how I am currently saving – Lot of information I was not aware of. Read morePublished 11 months ago by Susan Hallett
Wow! What a great book! I spent the weekend blowing off friends at the movies so I could finish reading it. Read morePublished 14 months ago by Dana A.
The extreme costs of college is one of the most daunting expenses that most families will face. Essentially paying for college is like buying a luxury vehicle every year for four... Read morePublished 16 months ago by Julie coogan
The book, Pay for College Without Sacrificing Your Retirement, by Tim Higgins, is a comprehensive look at the overwhelming topic of college decisions, yet a very easy read. Read morePublished 16 months ago by Deborah Keefe
Excellent read. Our daughter is still an infant, and this book served two purposes. First, to illustrate savings vehicles other than 529 plans that where we should invest well in... Read morePublished 22 months ago by Joshua Reifsnyder
Excellent book! I would recommend this book especially to "first time" college parents. It was a quick read, with valuable and "to the point" suggestions. Read morePublished on March 28, 2014 by Joanie Kagan