The Meme Every Kid Needs to See

Here it is—the meme every kid needs to see.

the meme every kid needs to see

Copy and forward this meme to the kids you love right now.

Tweet this meme out to the people who follow you!

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When you’re a parent, it feels great to know you’re taking practical steps to set your kid up for successful college and career life.

For clear, step-by-step help getting your kids through college debt-free, get your copy of my book:

You can “Look Inside” the book on Amazon for free by going to:

bit.ly/burlowski

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Should You Fill Out the FAFSA on Your Phone?

Should you fill out the FAFSA on your phone?

On October 17th, 2018, I was invited to guest post on the blog of Certified Financial Planner™ Mike Branch of Focus Financial in Minneapolis. Mike has been an extraordinary mentor to me as I’ve plumbed the depths on how to get kids through college debt-free. You can find Mike at Focus Financial in Minneapolis, on the Approved Consultants tab on this website, or at one of the many FAFSA info sessions he presents in high school auditoriums each year. 

The guest post I wrote for Mike is below.

Are you parenting a student of any age who’ll be in college next fall? If so, one of your most important tasks this year will be to fill out the Free Application for Federal Student Aid (FAFSA) as soon after October 1st as possible. This applies to every student and every parent—no exceptions.

Are you convinced that for you, filling out the FAFSA will be a waste of time—because you make far too much money to qualify for any college aid? Check out this article on 7 Reasons to Fill Out FAFSA Even if You’re Rich.

And then get out your smartphone.

As of October 1st, 2018, you can fill out the FAFSA on your phone.

For years, students and parents filling out the FAFSA were required to complete the form using desktop computers. In 2018, though, a new, mobile-friendly version of FAFSA was released.

Here, 8 things you’ll need to know before you fill out the FAFSA on your phone.

1. It’s a little easier to avoid overwhelm when you fill out the FAFSA on your phone, because you see only one question per screen.

2. Families can start filling out the form on one device, and finish it on another.

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The Sweaty Truth About Sports Scholarships

Parents of athletes fork out thousands to cover sports expenses over the years. Many wonder, “Is all this time, effort, and money going to pay off big when this kid gets to college?” Here, the sweaty truth about sports scholarships.

truth about sports scholarships

1. The truth about sports scholarships: They can make it next to impossible to succeed academically. 

Student athletes are typically required to devote up to 40 hours per week to practices, travel, conditioning, and games. This article by NextStepU calls it “an unbelievable commitment in time and dedication…you may…be practicing at 6 a.m. or midnight or even twice a day.”

If your kid has an important test scheduled at the same time as travel back from a game, he’ll likely be told, “Too bad, you’re on a sports scholarship. Buck up and show that you’re all in on this sport.” Your daughter needs to study? She’ll likely hear, “Bring books and notes and study on the bus on the way.” Lack of quiet study space, pressure to repeatedly skip college classes, and sheer exhaustion from the schedule can wreak havoc with a student’s ability to focus on academics—the very reason he or she is at college in the first place.

Lynn O’Shaughnessy writes this, in Moneywatch:

Officially, D-I teams aren’t supposed to practice more than 20 hours a week though travel and other extra obligations aren’t included. In reality, the time restriction is often a joke. Conditioning or weight lifting, for instance, might be called voluntary, but the coach takes attendance and the kid who spends that time in the library could end up on the bench.

In the consulting work I do at GetIntoMedSchool.com, one of my clients explained his “B” in Organic Chemistry to me this way: “We flew home from a game, and I ran down the concourse and dove into the back of a taxi. I screamed at the driver to rush me to the building where my O Chem final was going on, but I was still 45 minutes late. The professor had no sympathy for my situation, and refused to give me any extra time. She said I should have made it a priority to be at the exam on time.”

2. The truth about sports scholarships: They’re not as lucrative as you think. 

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Do Families Need to Hire College Consultants? Really?

The dad sitting by you in the soccer bleachers tells you that he’s not worried about his kids’ college planning—because he’s hired a $5,000 college consultant to engineer the whole thing for him. You wonder, “Is this what parents have to do nowadays? Hire college consultants that cost as much as used cars? If parents don’t hire college consultants, do they shortchange their kids?”

It’s not necessary to hire college consultants—but it can be helpful in some cases.

Here are 10 things parents need to know before they hire college consultants.

hire college consultants

1. College consultants vary wildly in quality.

Some are fantastic, and some are terrible. Many high buck college consultants you see on the internet are simply moms or dads who went through the college application process with their own kids last year, and now they see themselves as experts on college planning and financing.

2. Ask a ton of questions before you pay a dime.

Ask lots of exploratory questions about how long they’ve been in business, and how much of their service includes walking you through strategies that really work to get kids through college debt-free. Ask what career planning tools they use to make sure your kid ends up being employable after college.

3. Be sure to ask your prospective college consultant this critically important question.

Ask him or her to explain to you the two huge changes Barack Obama made to the US college financing system on September 13th, 2015—and how those changes will dramatically affect your kid when he or she is a sophomore in college. If your prospective college consultant can’t answer this question, run away and don’t look back.

4. Look for this very good sign.

If a college consultant hands you a copy of the book LAUNCH: How to Get Your Kids Through College Debt-Free and Into Jobs They Love Afterward and says, “We’re going to be walking through the steps in this book together,” consider that a very good sign. It means you’ll have excellent one-on-one support for the journey, and you won’t miss a single debt-free college or career planning strategy along the way. (College consultants, financial planners, and wealth managers who do this can be found on the “Approved Consultants” tab on this website.)

5. Don’t hire college consultants who tell you this:

Don’t hire college consultants who say, “Oh, we don’t worry about career goal at this point. We’ll just get your son into a good college, and then he can take random college classes to see what he’s interested in. We’ll hope it’ll all come together into some kind of career five years from now.”

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