College financial aid season is here, but cuts to programs like Pell Grants and Work-Study could shrink student aid. Proposed changes to student loans, including eliminating Parent PLUS Loans, may increase costs for families. Parents should understand aid offers, know what to negotiate, and avoid debt that risks their retirement. Exploring state schools, community colleges, and scholarships can help manage costs. Speak with a financial advisor to plan smart for college.

John-Mark Young earns the ChFC designation from the American College of Financial Services

Along with the final high school transcript sent to the college committed to, students who have been placed on wait-lists might send a...

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