Combined Solutions, Inc.

“Changing Lives While America Saves”

College Planning Services

The College Planning Division pays close attention to the needs and desires of each student, and customizes a personal planner and binder with all the A-Z information they will need, even assisting them in searching for the colleges best suited to their particular major.

A $65.00 dollar fee covers one student for all services.

A program like this would normally cost anywhere from $695 dollars to $2,000 dollars in the private market.

College Planning is one of the most popular benefits provided to Association members enrolled through Combined Solutions, Inc.

The Association will notify the parents what they will qualify for and what they will have to pay out of pocket. Features that are available for college students of any age include:

Assistance in locating Federal grants, loans, and an online search for scholarship, grant and loan sources outside the federal programs.

A toll-free number to access a financial aid counselor.

Loan applications and other required forms.

A review of the Free Application for Federal Student Aid (FAFSA) form to insure accuracy and completeness, and assist the family to qualify for need based programs.

Scholarship and Assets Based on criteria other than need. It can be money that you have saved and accumulated or money right from your paycheck, or get very fortunate and become a member of the “Lucky Parents Club”. Less than 1% of all student applicants will qualify for a full academic or athletic scholarship.

3 WAYS TO PAY FOR A COLLEGE EDUCATION

GrantsScholarships and grants from the private sector. $7 billion dollars available, $6.6 billion of it goes unclaimed. There are over 400,000 sources available. Federal grants can be a complicated process since you must qualify on a needs basis. Pell grants and Supplemental Educational Opportunity Grants (SEOG) are a few examples.

Borrowed Money76% of students who attend college pay their way by loans. Perkins, Stafford and Parent Plus are a few examples of available loans. There is also private money available.

The Free Application for Federal Student Aid (FAFSA) is required before a student can qualify for any program.

Money or equity in pensions, home equity, life insurance and annuities are not considered as assets in financial needs calculations.

In other words, they do not count against you and are “sheltered” from FAFSA financial scoring.

However, the problem for parents is that none of the four options are a very liquid place to park money earmarked for college expenses.

The guaranteed annuity in the FREEDOMFLEX is the solution for working American Families. It can make college a reality.

FAFSA FORM

FAFSA FORM – cont’d College is a very important investment and likely the most expensive one that many families will ever make.

If parents wait until their children are high school freshman to start saving for a college education, they will probably have to save even more money than anticipated and will more than likely be faced with paying back student loans after college also.

You don’t need to be wealthy to send your children to college, you do need a systematic savings plan to get there.

They can have tax deferred growth with no sales or surrender charges and “shelter” their money from FAFSA scoring.

They would only incur the federal 10% penalty for surrendering an annuity prior to age 59 ½. No other product on the market can offer this benefit.

The Agent must not use the term "college funding" in reference to Combined Solutions , Inc. ISM Administrators, the Agent, or in any other context which might state or imply the funding of a loan in relation to any entity other than the actual lender.

The Agent must understand and clarify to the applicant that Combined Solutions, Inc., ISM Administrators, the Agent, and the insurance company do not guarantee or provide scholarships.

MARKET CONDUCT The Agent must clarify to the applicant that the combined total of loans cannot exceed the cost of education, and that funds from loans cannot be used for any purpose other than to pay for college education.

Cost of education includes tuition, books, room and board, fees and transportation. These fees will vary from school to school.

The Agent must be aware that the rules and regulations with respect to federal loan programs must be followed very carefully.

Failure to adhere to these regulations could jeopardize the availability of the program to Combined Solutions PS, LLC, the insurance company, and all contracted agents.

In order to participate in any federal student financial aid program, the student must be a citizen or permanent resident and must have a valid social security number.

The Agent must be aware of these facts and insure that the member understands them.