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TFS Securities, Inc.
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Lincroft, NJ 07738
(732) 758-9300
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Financial Aid

A nearly universal financial goal of parents is to send their children to college.  Parents often sacrifice other pleasures to assure their financial savings are large enough to accomplish this goal.    

College financial aid planning is not just helping a parent figure out how many dollars per month needs to be saved to pay for future higher education expenses.  College financial aid planning includes maximizing the amount of aid a family may receive while reducing their out-of pocket expenses and preserving their hard earned assets. While college financial aid planning should be started early, the ideal college financial aid planning timeframe is when parents  have children who are sophomores and juniors in high school.  These parents have been saving their money for years, but saving in the wrong place.  If their money is left where it is, they will be faced with  unnecessary paying of thousands of additional dollars each year.  However, it is important to understand we can effectively assist parents whose children are high school senior or already attending college.

In  college financial aid planning, government and institutional formulas or methodologies are used to determine exactly how much a family is expected to pay for the higher education expenses of their child. 

These formulas take into account both parents' income and assets as well as the student's income and assets and calculate a number called the "expected family contribution" commonly referred to as the "EFC".

The difference between the "expected family contribution" and the cost of a particular college is what the family MAY receive in financial aid at that college.

Cost of Attendance

-     Expected Family Contribution

=     Financial Need

Think you can do it all on your own?

• The FAFSA goes on for 8 pages of worksheets and questions. 
• Any errors, even simple ones, can bump a form to the bottom of the pile.  It can take up to six more weeks to process your application.
• Since financial aid is awarded on a "first come first served" basis, you could lose the financial aid for which you were originally qualified.

Avoid the headaches!!!

Just as people turn to a qualified C.P.A. for assistance with federal taxes,  many are turning to qualified college financial aid advisors for help with these federal forms.

Many companies offer assistance in filling out the Free Application for Federal Student Aid [FAFSA], and/or may assist in scholarship searches.  

Frequently they fail to mention the fact that, just like your income taxes, the way your family’s finances are positioned and how you answer questions on the FAFSA can dramatically influence the amount you will end up paying for your child’s education.  

Using our database, we will provide you with a record of what your chosen colleges have historically provided in financial aid. 

The financial aid package you receive from the college of your choice may contain some or all of these elements:

Scholarships & Grants - Free money you don't have to pay back

Work-study- Work on campus until you've earned a specified amount

Need Based Loans- Government pays interest, no payments until six months after graduation

What we will do for you-

• Calculate Your Current Expected Family Contribution  
• Develop Personalized Strategies To Reduce EFC & Maximize Financial Aid  
• Provide FAFSA & Profile* Answer Keys 
• Determine Cost Of Attendance 
• Provide History Of Financial Need Met By College 
• Unbiased Reference Source 
• Update Your Plan Annually  (at a nominal cost)

* The Profile is the form utilized by approximately 300 colleges that follow the  institutional methodology for determining financial need.