The State of Today’s College Costs At Schramm & Company we understand that the dream of a college education is becoming out of reach for far too many American families. The cost of college is daunting, and a family's ability to afford college depends on many factors, including college costs, income, assets, availability of financial aid, and family size. However, the cost of not going to college significantly impacts the student’s earning potential.  As a result, most families must rely on additional resources to supplement the high cost of college. Since the availability of government grants does not meet the demand for a college funding solution, students often create a tremendous debt burden to obtain a cherished degree. We are now witnessing a generation that starts their financial future with a $100,000 debt before they get married and own a house! This dilemma is usually caused by a lack of financial planning. There is not enough paycheck at the end of the month to save for college. Consequently, financing a college education may involve three generations; grandparents, parents and children. We can show you how to offset the costs using tax saving strategies, cash flow planning, and education incentives (Coverdell ESA’s, 529 plans, etc.).    Our newest team member, Rick Darvis CPA, CCPS, is recognized as one of the foremost experts in college planning. He has co-authored many books on the subject and is regularly quoted by major financial publications based on his expertise in the field.  Click here to view his biography. Call us today at 406-586-4379 or email Kellie to see how we can help.  Or click here and fill out your contact information to receive a free electronic copy of Rick’s book College Solutions.