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 activities.

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 depth."

          Eleanor Tritt
          Superintendent of Schools
          Amagansett Union Free School District

3.   "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

4.    "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

5.   "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 & Stafford loans.

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 again."

          Kay and Steve Y. - Eugene, OR

7.   Mr. Kolinsky, "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

8.   Keith,  "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 you."

"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 price."

         Bobby Glass, Founder
           Acorn Financial Services
           Fairfax, VA
           acorn@acorn-financial.com
         (703) 293-3100

9.   "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

10.   "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 help."

          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.

            Ron Howard
            Executive Vice President
            Assante Asset Management
         1190 Saratoga Ave.  #200
         San Jose, CA  95129
         rhoward@assante.com

12.    "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

13.   "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 great.

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
          Education Director
          Financial Planning Association of Michigan
        tedb@wmackassoc.com

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 your assistance."

          Nate H.  - Washington, DC

16.   "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 entertaining."

          Rick Fingerman, CFP, CFS, RFC
          President Financial Plannning Association of MA
        Financial Planning Solutions, Inc.
        781-391-2294
       http://www.fps2.com

17.   "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 assets.  We have recommended your services to many others.  Keep up the good work."

          Howard and Mary G. - Northport, ME

19.   "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
        lisa@turbevillefinancial.com

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.  Thanks again."

          Shari E. - Bellmore, NY

24.   "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 Polytechnic Institute."

          Mr. and Mrs. Steve G. - Congers, NY

25.   "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

26.   "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

27.   "A small investment in YOU is a huge savings for me"

          Jim M. - Seal Beach, CA

28.   "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

30.  "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 service."

          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

33.   "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

34.   Keith, "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

35.   "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.