1. "I regret not finding
your service much earlier in the process, I believe we would have had
better financial success and my daughter would have had a broader
understanding of the college selection process. The response time, step-by-step
instructions and continual emails to keep things going far exceeded my expectations.
I learned so much from the information on your web site and wish the counselors could
provide this information to parents more readily. High school
counselors would greatly benefit students and their parents by
making your step-by-step process available.
The price is very reasonable and fair regardless of the short time frame for me, I believe
it is a good price. Thank you for the service and I will recommend it to others."
Debbie V. - Howe, TX
2. "Money4College123.com is a
valuable college resource to bridge the information gap between parents
and guidance counselors about college financial aid and the process for
securing scholarships. For college planning, the guidance staff’s time is
best-used counseling parents and students on identifying the best college
alternatives to meet student’s needs.
Counselors are not trained in understanding
the intricacies of the financial aid process. While high schools typically try
to provide information on the financial aid process through an evening
meeting, parents need more in-depth assistance. The area is especially complex
today and there is just too much information for parents to absorb in one
night even if an expert is brought in.
I recommend schools consider listing
Money4college123.com on their web sites as a financial aid resource
and making eleventh and twelfth grade parents aware of this service. It would also
be helpful to parents to mention the service at financial aid nights and other such
Your service offers a win-win situation for
staff and parents by creating a very affordable service that will allow
guidance staff to focus on the important services they provide to students
and give parents and students the wherewithal to pursue financial aid in
Superintendent of Schools
Amagansett Union Free School District
"I think that you have
developed one of the most comprehensive, organized and cost effective
programs for scholarships that I could ever imagine. We appreciated
your graduated time table toward completion and the information was always
presented in an easily understandable and applicable fashion. There
is no way that we could have handled the whole process nearly as
efficiently as with your program. I think that it is a must for
anyone with a child entering college. The cost is ridiculously
low and we would have paid much more and it is worth much
more. It's one of the few bargains out there! (In fact it
may be a detriment to your program, as I thought anything that cheap had
to be worthless.) Thank you so much. It is a great and honest
service you are providing."
Jim B. - Port Orchard, WA
"Without your help we never would have gotten through the financial aid forms let
alone completed them correctly. We are so lucky to have found your service
and avoid this nightmare! We never thought we were going to be able to
send Andrew to an expensive private school and had only considered state
schools. We were very skeptical when you said it is possible to go to an
expensive private school for about the same money as a state school. We
are so excited to let you know Andrew received $21,525 in financial aid
and will be attending George Washington University."
Mr. and Mrs. Adam W. - New City, NY
"The information in your services exceeded my expectations.
I found it extremely helpful and had only the regret of not having known
about you when we first had started to apply. It helped me save much time,
all was very timely, helpful and the best aspect of the service was that I
had the impression that someone was holding my hand and guiding me through
a very hard (technically and emotionally) process. I have already been
recommending you to anyone I come in touch with and will continue, and the
price was right."
Nadine C. - Upper Nyack, NY
6. "Hi Keith, I just wanted to let you
know that we were able to work out the $ w/ USC & so Andrew will
be starting there this August after all! We called the
Dean of Financial Aid which resulted in a big increase in grant
money (FROM $400 to almost $9000), plus a small merit
scholarship from the Engineering department; addition of Work Study &
Just wanted to add my thanks for all of the incredibly
useful information. The opportunity to email you with specific
questions was especially helpful. So were your drafts of appeal
letters. It obviously paid off to be persistent. Thank you
Kay and Steve Y. - Eugene, OR
"I believe so much in the value of your service and your additional Loan Research
Service that I want other parents, particularly those who are most financially in need,
to use your service and save thousands of dollars and, even more importantly, create
opportunities for their children to get into schools they never dreamed
were options for them.
I am amazed that every guidance counseling
office at public and private schools, does NOT automatically
pass this information on to the parents of all college-bound students as
early as their sophomore year in high school. Based upon my
experience, the planning that is required to get the most out of your
service should begin at this time. I consider it a disservice
to their students and their parents not to provide your valuable
service. Their only reason for not doing seems to be their
hesitancy to endorse one service, but not providing this valuable service
makes no sense at all. This results in only wealthy families being
able to afford to pay literally thousands of dollars to hire a consultant
to work with them to get their children into the colleges they want
to attend and to use all of the tricks of the trade to do so in a way that
helps them to save thousands of dollars seems to reward the very people
who need the financial help the least.
The parents with greater needs are literally paying thousands of dollars, maybe tens
of thousands of dollars, more than they need to and also limiting the choices of
schools for their children because they simply are not aware of how
this complex and confusing process works. In addition to the
money saved, the amount of time required to do this work is substantial
and the strategies and tactics that must be deployed are too
complex. Without your easy-to-follow, step-by-step program, I
can't imagine what this job would have been like. Your advice is sound,
well-researched, covers all of the bases, is easy to follow, in bite-sized chunks,
spaced out over time, so that the task becomes manageable.
Finally, your service is so underpriced, of such high quality and is a bargain for the
value received. What a great return on the investment! Therefore, I would
like to give money4college123.com my unqualified, 100% endorsement. If anyone
ever wishes to speak with one of your customers, please give them my phone number."
Larry G. - Friday Harbor, WA
"I finally got to visit your site this morning. It is excellent and I am pleased to
have referred your site to several people already and will add you to our strategic
alliance professionals list."
"Thanks again for
participating in our meeting last month. I found your
presentation very enlightening. I look forward to working with
"Keith, a year later we
continue to recommend clients to the website. We have had very positive
responses from our clients and find it very helpful if the client is
willing to do some of the legwork himself. So far, not one of our
clients has backed out and asked for a refund which is offered if not
pleased. We like the large base of information available and the cost
factors for each school that Keith has provided. A great tool for the
Bobby Glass, Founder
Acorn Financial Services
"I felt that you had excellent information that helped us save time.
The step by step process was great and I feel it was the most
useful. Helping us to stay organized and meet the time frame goals
was extremely helpful. Our expectations were met."
Leslia T. - Macungie, PA
"Thanks Keith...We used your template to appeal
financial aid for "Special Circumstances". It worked real well as a
guide. Sure enough, yesterday we received the appeal award letter
and they doubled the amount of grant money. Thanks again for all your
Tony D. - Issaquah, WA
11. Dear Keith,
"I wanted to thank you for your presentation on the college process, financial aid,
scholarships, tax techniques for college and your insights into who should and
how best to use 529 plans during our CFO advisor conference.
Your expertise on the subject matter is clear and your ability to effectively
communicate this valuable information was appreciated by our advisors on their evaluations.
It has been my experience that financial advisors can't be experts at everything and
few have received any type of training in this area. Developing a strategic alliance
with "money4college123.com" can be a huge value-add, both to our advisors, the clients
they serve and in generating additional business.
I look forward to having you present at our other CFO advisor conferences
throughout the country.
Executive Vice President
Assante Asset Management
1190 Saratoga Ave. #200
San Jose, CA 95129
"Many thanks for the help and guidance getting Tammi and I through this maze. It
is going very well. Tammi has been offered a place at UConn Storrs with a
substantial aid package, Suffolk U with about 65% offered and has been put on the wait
list at Northeastern. If she's accepted we will evaluate what aid
they offer her. Your help and quick response to my questions was invaluable."
Gary S. - Branford, CT
"I have put a lot of time into educating myself RE the entire process over the last
couple of months. I learned on my own a lot but WITHOUT YOU I don't know
if I would have made it through to the end. You have helped me so very
much that I can't express it!
Finally, just for your information, today David
received notification that he was selected for a California grant for
$9,708. So I'd say that I think you should raise your fees! If it wasn't
for your service, we wouldn't have received that money (it's determined
from the FAFSA and one small grade verification form from the State)."
Joanne D. - Pacific Grove, CA
14. Hello Keith,
"I want to extend a special thanks to you for speaking to the Financial Planning
Association of Michigan on March 21st, 2002. Our members enjoyed your overview on
the college planning process. The member evaluations from the program were
In particular, we appreciated your perspective and insight on tax planning, financial aid
planning, and the different college funding vehicles available. Your
money4college123 program provides an excellent "track to run on" for
parents and students to help them through the college selection and
financial aid application process. I highly recommend your program to
other chapters looking for a program on college planning.
I will be in contact with you to inquire about you speaking at some of our
other chapter meetings throughout Michigan. If you have any
questions, please call me at 248-643-4310."
Ted Bugenski, CFP, CFS
Financial Planning Association of Michigan
15. Keith, "Let me start by
saying I think your site is great. I love your attention to detail and the
way you walk your clients through the logical steps. I only wish I
had this information 8 yrs ago...I think I would be in less school debt. Thanks again for
Nate H. - Washington, DC
"Keith Kolinsky, President of Money4college123.com takes the
college financial aid process to a new level. He takes a very complicated
topic and brings it down to a level that walks you through the system step
by step. I highly recommend him as a speaker. His dynamic personality
makes it an enjoyable program that is both informative and
Rick Fingerman, CFP, CFS, RFC
Financial Planning Solutions,
"We braved the financial system the first two
years with our oldest son Tim and received almost nothing in financial
aid. We couldn't imagine how we were also going to pay for John's college.
We almost fell on the floor when we received $9,000 from Otis College and over
$12,000 from Pace University. We then sent out your letters to try and increase the
financial aid packages and both schools increased their financial aid
offers. We know where we are going to get help next year when Emily
applies for college. Thank You, Thank You, Thank You!"
Dr. and Mrs. Bill H. - New City, NY
18. "We found your service
incredibly helpful. Your organization piece, although we didn't follow it
to a T, it took a lot of the mystery and pressure off the process.
Knowing how the federal government assesses your Expected Family
Contribution was helpful for us. We could re-configure our
We have recommended your services to many others. Keep up the good work."
Howard and Mary G. - Northport, ME
"I never would have known that some colleges would include my ex husband's income
while others would not. I seriously doubt we would have received any financial
aid if his income was considered. This was a very stressful time for our family
to go through and your system helped us every step of the way. What a difference
when I see what my friends went through doing everything by themselves.
Samantha can't wait to attend University of Hartford in the fall and received
$12,900 in grants that do not have to be repaid."
Mrs. Linda S. - Bardonia, NY
20. Keith, "I
think you have a very valuable website....very comprehensive and up to date....and
easy to use. And I'm not easily impressed! I will definitely
recommend it to appropriate clients... certainly leverages my time
and the cost is reasonable."
Lisa Turbeville, CFP
Mt. Lebanon, PA
21. Keith, "Our family is very
grateful for your service. You turned a chaotic time consuming process of
financial application into a simple matter. Thank You"
Charles J. - San Jose, Ca
22. Hi Keith, "Thanks for the
invaluable advice. When our son transferred from a college in
Virginia to a private school near home I was able to use your suggested
letters for appealing financial aid and secure quite a substantial
increase. The help is worth its' weight in gold!"
Marjorie M. - Birmingham, AL
23. "Hey there...
This is the final report. My daughter will be attending Tulane University
in New Orleans. We are paying the equivalent of a state school tuition for
a private school education. And, while she received a very nice financial
scholarship for her academic merits, your advice helped us to sweeten the pot.
The step by step instructions really helped us organize our time and efforts. We
have referred your service to many friends who are about to embark on this
college rollercoaster. We hope they find it as helpful as we did.
Shari E. - Bellmore, NY
"Before using your system, we could not see how we were going to send our son to an
expensive private college. We thought he was going to have to study engineering at a
University in our home country which is much less expensive than colleges
in the United States. Due to your guidance and expertise, we received
$21,100 in financial aid and Brandon will be attending Rensselear
Mr. and Mrs. Steve G. - Congers, NY
"I found your service very helpful, very informative, and certainly priced more than
fairly. I did quite a bit of legwork myself, and am a lawyer, but I still found your
timelines and deadlines very useful. Keep up the good work!"
Eileen M. - Rancho Santa Fe, CA
"I thought your service was indeed a value and I referred to it on numerous occasions
and benefited from it. I was very impressed by the program you have put
together. Thank You!"
Kevin D. - Cortlandt Manor, NY
"A small investment in YOU is a huge savings for me"
Jim M. - Seal Beach, CA
"I got many ideas on how to approach the financial aid department. I just started
too late. I will start earlier next year."
Harold M. - Tyler, Texas
29. "I thought your service was well worth the
fee. You took a confusing and scarey process and streamlined it along with
lots of encouragement and reminders. The fact that I could stop and pick up
the process at a later time was very important. Deadlines were extremely
helpful. I anticipate using this for our next college-bound child and now know
I have to start much sooner, but look forward to the options you provide. Thanks
for your excellent work."
Lynne D.- Roseau, MN
"As a single parent that never attended college, I was very excited when my daughter
told me she wanted to go to college. I could not imagine ever getting all the
paperwork done without your help. Claudette received $12,000 in scholarships
and will be going to Rutgers University. Thank you for making this possible."
Monique C. - Spring Valley, NY
31. Dear Keith, "I really
appreciated your comprehensive service which took me step by step through
the maze of FAFSA and other forms. Your fee was so reasonable that I
was concerned at first, because I had spent much more on an older student
child and they completely took us for a ride. Thanks for your
Peter C. - Wake Forest, CA
32. Hi Keith!
"Your site is well organized and thoughtfully laid out... excellent
for the novice subscriber. It would have been nice to have subscribed to
your site several years ago. Unfortunately, I didn't know how complicated
the whole FAFSA thing was back then and did not prepare for it ahead of time. My
first attempts were made without benefit of coaching. I made some mistakes
that cost me some modicum of $$$'s. I suspect a lot of your potential clients fall
into this category of client."
Bruce W. - Blackfoot, Idaho
"Truly the best information I could have received in preparing my senior for
college. I wish I would have known about it sooner. The price is
appropriate-certainly affordable. I really liked the e-mail updates and info
about the FAFSA-thanks so much"
Amy M. - Wataga, IL
"Thanks very much for all the knowledge you've shared. That was the best money
I've spent in some time!"
Steve B. - Sunrise, FL
"We were extremely satified with your service. Kristin got almost a full
scholarship to a private liberal arts college in California. The timing of
your program kept us on track through out the process and your advice on the
Stafford loan was invaluable as well. I will highly recommend your service
to anyone at anytime."
Ralph C. - Marietta, GA
While we cannot guarantee you will have the same
financial results as our clients shown above due to differences in
personal circumstances, family income and assets, grade point average
and resources of the college, we can guarantee you will have access to the
same outstanding service and information that made these awards possible
while saving you a lot of time.