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"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."
Dr. and Mrs. Bill H. - New City, NY



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



"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



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



"Thanks so much for all the help!  Your service met and far exceeded my expectations.  The step by step process was most helpful.  It broke down an overwhelming process into simple steps that were easily understood and accomplished.  I especially enjoyed the insider information.

Every time we turn around, there was more money needed in trying to get our son into college.  It was nice to get such a quality product at such an affordable price. Thanks again,"
Jean H. - Everett, WA



"Your perspective and insight on financial aid planning makes money4college123.com an excellent "track to run on" for parents and students to help them through the college selection and financial aid application process."
Ted Bugenski, Certified Financial Planner
Education Director, Financial Planning Association of Michigan




"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."
Rick Fingerman, CFP, CFS, RFC
President Financial Planning Association of MA



"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."
Nathan H. - Washington, DC




"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."
Nadine C. - Upper Nyack, NY



"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 like the e-mail updates and info about the FAFSA-thanks so much."
Amy M. - Wataga, IL



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



"After contacting the FA office, I found that Julia will receive $15,594 in financial aid for next year!   Of that, $10,694 is work-study and grants.  Thanks for your help.  You're wonderful!"
Kathleen D. - Peachtree, GA



"I learned on my own a lot but WITHOUT YOU I don't know if I would have made it through to the end.  We rec'd notice that David was awarded 100% financial aid from the University of San Diego -- which after all this time turns out to be where he wants to go.  I can confidently say that we are both very happy and David is ecstatic.  You have helped me so very much that I can't express it! I hope that your business is doing well...it should be!"
Joanne D. - Pacific Grove, CA



"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.  Thank you for the service and I will recommend it to others."
Debbie V. - Howe, TX



"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.  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.  If anyone ever wishes to speak with one of your customers, please give them my phone number."
Larry G. - Friday Harbor, WA



"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.  I look forward to having you present at our other CFO advisor conferences throughout the country."
Ron Howard
Executive Vice President
Assante Asset Management



"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.   We have referred your service to many friends who are about to embark on this college roller coaster. We hope they find it as helpful as we did. Thanks again."
Shari E. - Bellmore, NY



"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.  Your help was invaluable."
Gary S. - Branford, CT



"We found your service incredibly helpful. Your organization 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



"A small investment in YOU is a huge savings for me"
Jim M. - Seal Beach, CA



"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



"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 excellent work."
Lynne Didrikson - Roseau, MN



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



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



"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



"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

ou’re probably going to pay too much for college every year without even knowing it because you're going to make a small mistake on your FAFSA or did not know how to effectively negotiate your financial aid package for more money.  And I'm not talking about a few bucks... I mean thousands of dollars and frequently more during EACH AND EVERY year of college.


Finally!  You Can Discover The Strategies expert financial aid insiders use To Correctly Complete FAFSA, Maximize Financial Aid, Lower College Costs And Avoid Loans!


It doesn't matter if you'll be a first-time college student, transferring or continuing in the same school because you must file a new FAFSA every year and can negotiate your financial aid package every year.  By following my simple steps you can:

	avoid fatal errors on your FAFSA that will get your application rejected, delay processing and cost you thousands of dollars by following our simple, easy to understand, line-by-line instructions... AND you'll have them in your hands in minutes after registering now!
	learn the "insider" strategies you must use when completing your FAFSA that will get you thousands more in scholarships and grants
	get more financial aid by learning how to powerfully and persuasively negotiate your financial aid package with any college using our proven and tested letters
	save thousands of dollars EVERY year in college costs and go to your "dream" school without taking out huge loans, draining your savings or preventing parents from retiring
	have everything you need in one place to take you by the hand through the financial aid system.  No more stress... No more searching and researching... You can get on with your life and get the financial aid monkey off your back!

Truth #1

Truth #2

Truth #3

	If mom and dad are divorced, separated or just living apart, there is a winning strategy that will help you get even more financial aid.  Maybe thousands of dollars more!  You'll know what it is when you use My Financial Aid and Scholarship Guide.
	If your family owns a home, there is a winning strategy that will help you get even more financial aid.  Maybe thousands of dollars more!  You'll know what it is when you use My Financial Aid and Scholarship Guide.
	If one or both parents own a business or are self-employed, there is a winning strategy that will help you get even more financial aid.  Maybe thousands of dollars more!  You'll know what it is when you use My Financial Aid and Scholarship Guide.

	If you had to choose between a college that has a pattern of giving great financial aid packages and one that doesn't, which would you choose?  No brainer, right?  But first you need to know which colleges are willing to give you more financial aid dollars than you ever dreamed of.  You'll find that information in My Financial Aid and Scholarship Guide. Wouldn't it be great if you could figure out just how much financial aid your current school or each of the colleges you're interested in should give you ... even before you apply?  You'll find detailed financial aid histories on 3,849 colleges and universities in your Financial Aid and Scholarship Guide.
	Did you know you can actually negotiate a better financial aid package with the college of your choice to increase the amount originally offered you?  My Financial Aid and Scholarship Guide will show you how!
	Some schools require you to complete a CSS PROFILE in addition to FAFSA.  My Financial Aid and Scholarship Guide will show you how to coordinate the two so the processing of your forms is not delayed.  That could cost you valuable time ... weeks, even months!

	You will immediately receive your detailed timeline showing everything you must do, the best way to do it and e-mail follow-ups on the correct dates to take you by the hand guaranteeing you will never miss a step or strategy.  Applying for financial aid and scholarships is a process.  Thousands of students will complete a FAFSA this year totally clueless as to the best way to do it.  Their efforts will be in vain.  Their request for aid will either be rejected or delayed for weeks ... even months.  Follow the instructions in My Financial Aid and Scholarship Guide to increase your chances of receiving financial help.
	Winning strategies for getting all the money you're entitled to. It's the foolish person who celebrates receiving a college scholarship, totally clueless they could have received thousands more dollars if only they had planned a winning strategy before submitting their FAFSA.  My Financial Aid and Scholarship Guide is full of expert advice to ensure you receive every dollar you're entitled to.
	You'll have access to a library of professionally prepared appeal letters.  What do you do if you're offered far less financial aid than you had anticipated?  What if your financial picture has changed since you submitted your forms and you now need more help?  What if the acceptance letter you receive doesn't address all your concerns about future aid?  What if you want one school to match the offer of another? You'll know how to compel financial aid officers to give you more money.
	My Financial Aid and Scholarship Guide provides fill-in-the-blank letters written by experts who speak the "language" of financial aid officers for each of these circumstances and more.  You'll find them a quick and easy way to resolve any issues you have in helping you get more financial aid package.
	A solid plan for cutting college costs. Receiving money is great, but you can do better.  My Financial Aid and Scholarship Guide will show you how to cut your college tuition expenses even further so you get to keep more of your money.
	Smart advice on choosing the best college. If you choose a state college over a private college, will you save money?  Not necessarily. Read Shari's comments just over to the left.  If you apply to a more expensive private college, you'll be entitled to more financial aid and scholarships.  My Financial Aid and Scholarship Guide shows you how to comfortably afford the best colleges and universities.
	A Scholarship Primer. My Financial Aid and Scholarship Guide has the latest information on Pell Grants, merit scholarships and special scholarships such as athletic and music and the arts.  If there's money out there for you, we'll alert to on the best way to get it.
	A Complete Borrowing Guide.  If after totaling all your financial aid and scholarships, you still need a additional funds to make it through college, My Financial Aid and Scholarship Guide will show you the smartest ways to borrow money.

Register Right Now
And Get These
Five Free Bonuses!

FREE Extra Bonus #1! Complete Your Paper or Online FAFSA Without Mistakes Easy to follow, line-by-line instructions with audio help guarantee your FAFSA will be perfect. You'll sleep easy at night knowing your paper or online FAFSA will not be rejected and you'll be on your way straight to the money. Remember, if your FAFSA is rejected, colleges will never get your FAFSA information and you will not be considered for financial aid. FREE Extra Bonus #2! Complete Your CSS PROFILE Without Mistakes If any of your colleges require the CSS PROFILE, we'll help you make sure your PROFILE answers are coordinated with the FAFSA. This is critical to help prevent being selected for verification (the college's version of an audit) or additional questions from the financial aid officer. Our line-by-line instructions will make this a snap to prevent inconsistencies to guarantee the college financial aid officer will be ready to review your information instead of putting your file to the side waiting for you to answer additional questions. FREE Extra Bonus #3! Insider Tips, Tricks And Strategies To Help You Qualify For More Financial Aid And Scholarships This is the mother lode college planning experts charge a pound of flesh for.  You'll have it all.  Everything you can do when completing your FAFSA and CSS PROFILE to qualify for more financial aid. I'm talking about the best places to keep your money; what to do if you own a house; how your business can help you get more money; income tax strategies; what to do if parents are separated, divorced or remarried; and much more. This bonus alone is worth its weight in gold! FREE Extra Bonus #4! Financial Aid Histories For 3,849 Colleges You'll be able to estimate your financial aid package for most colleges before you apply? How would you like to be able to determine if a college made you a fair and reasonable offer, made a mistake or gave you a low-ball package? For the first time, you'll have this information to help you evaluate and negotiate your financial aid package for more money. FREE Extra Bonus #5! Proven, Tested And Professionally Written Letters Of Appeal What do you do if you're offered far less financial aid than you had anticipated?  What if your financial picture has changed since you submitted your forms and you now need more help?  What if the acceptance letter you receive doesn't address all your concerns about future aid?  What if you want one school to match the offer of another? You will get fill-in-the-blank letters written by experts who speak the "language" of financial aid officers for each of these circumstances and more.  You'll find them a quick and easy way to resolve any issues you have in helping you get more financial aid package.

Register TODAY And You'll Be A "College Money Insider" Within Minutes!

You'll find a number of companies when searching the Internet for FAFSA help that will submit your FAFSA for $50 and more.  All they do is have a clerk ask you the questions, write your answers on the form and submit it.  They don't know the insider techniques in our system.  This will not help you get a dime more in financial aid!  Don't waste your money.


If you could find a financial expert that knows how to do this for you, you would pay at least $750 - and probably a lot more.


The best part of all...your entire fee for our Financial Aid and Scholarship Guide is only $99.95 until On the price is going up to $139.95. 

Not only that, I'm so certain my Financial Aid and Scholarship Guide will help you get at least 20 times your investment in scholarships, grants and low interest Stafford loans for your upcoming college year, that if it doesn't, I'll refund your $99.95... No hassles and No Strings Attached.

AND... if your FAFSA gets rejected for ANY reason, even if you made a mistake, I'll refund your entire $99.95 fee.

I'm taking all the risk because I know you're going to LOVE this!

Once you get it, I'm betting I couldn't pry it out of your hands if I tried!

If YOU are ready to maximize your financial aid and scholarships, lower your out-of-pocket costs, save lot's of time and stress, avoid paying more than you have to and want these kinds of results immediately, click here to register NOW!

Register Today! This Entire Offer Might Be Withdrawn Tomorrow!

Frankly, my partner (a Certified Public Accountant) feels these bonuses are worth over $275 and wants us to charge full price for them.

If you don't register today, you may miss out on the best, least expensive way for you to get the maximum amount of college money possible.

But as long as you are reading this, it means the offer is still open.

After it's gone, that's it.

Keith, "I think that you have developed one of the most comprehensive, organized and cost effective programs for scholarships that I could ever imagine.  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." Sincerely, Jim B. - Port Orchard, WA Click here for even more comments from our satisfied members

The Time To Act Is Now!

Don't wait... Don't Procrastinate... Make a decision now.

Isn't it time you stopped trying to figure this out by yourself?

Stop wasting your time searching for bits and pieces of information every time you have a question. Get EVERYTHING you need to maximize your financial aid in one place and make a risk-free investment of $99.95.  Avoid the price increase on .

Within minutes of registering, you'll get the "inside scoop" from a financial aid expert - and you'll be on your way straight to the money!

And here's more good news... to help you get started right now... we accept all major credit cards! Begin your registration now by clicking here and you will have everything you need today.


If you had to assemble all the valuable tips and strategies in My Financial Aid and Scholarship Guide on your own, it would take you months of visiting government Web sites, the endless list of "free scholarship sites" and your local library and you still wouldn't have nearly everything in My Financial Aid and Scholarship Guide.  And you'd still have to make dozens of phone calls to clarify issues and worry if you did everything correctly.


Or you can take out your credit card, invest $99.95 and click here to immediately begin to secure your financial aid and scholarship money.  You'll quickly discover that the speed, the accuracy and the convenience I offer you is definitely worth A LOT MORE than the cost of one used college book to avoid paying thousands more than you have to for college!

Might be the smartest move you'll ever make…

Click here now and you'll get the inside secrets within minutes.

Sincerely,

Keith Kolinsky

P.S. If you've read through the letters from our clients in the left column, you'll see the one regret they had was not knowing about My Financial Aid and Scholarship Guide sooner.   Remember... the price goes up to $139.95 on   Grab this special promotion while it's still here, register NOW by clicking here.

P.P.S.  Remember... if you don't get at least 20 times your $99.95 fee in financial aid or if your FAFSA gets rejected for ANY reason... you'll get your entire $99.95 fee back.

P.P.P.S.  Not sure if you should register?  Feel free to give me a call at 845-638-6505 or e-mail me personally at keith@money4college123.com. You can also click on the following financial aid packages that people like you were able to receive using my FAFSA and Financial Aid Guide.

	Click Here to see how it's possible to go to an expensive private school for less than the cost of a state school
	Click Here to see why you should never believe you can't get a lot of financial aid from a state school.

Register Now

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