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Most families use all four and rarely decide the proportions on purpose. The order they are drawn on changes the total cost of the degree considerably.
Continue reading Savings, Current Income, Borrowing, or a Job: Four Ways Households Pay for a Year
Nobody is withholding anything on your behalf anymore, and the bill arrives on a schedule that has nothing to do with the way the money came in.
Continue reading First Year Working for Yourself? Set the Tax Aside Before You Spend the Money
The four year degree is treated as the safe choice and the thing to do while undecided. It is a large commitment and it deserves to be chosen rather than defaulted into.
Continue reading Choosing at Seventeen With Half the Information? The Default Option Is Not Neutral
The difference between records that make a return straightforward and records that cost a weekend is not effort. It is entirely a question of when the effort happens.
Continue reading Dreading the Shoebox in April? Fifteen Minutes on Friday Is the Whole Answer
Most questions families get stuck on about school have somebody whose actual job is answering them. The difficulty is knowing which person, and how to ask.
Continue reading From a Counselor's Office to a Student One Year Ahead: Who Can Answer Your Question
The protection is real, considerably narrower than most owners assume, and easier to lose than anybody expects. The rest of the decision is bookkeeping and habits.