September Financial and Academic Tips


CBRG is different from other college planning services in that it offers “harmonization” of financial, educational and social guidance for the entire family. Co-founders Steven Sirot and David Slater and partner Janet Loren meet jointly with students and parents to develop a college game plan that works for everyone. Too often, college students attend a school because their friends are there, or it is the so-called ‘hot school’ that is on everyone’s radar, without any consideration as to whether the school is right for them or the long-term effect it will have on family finances.

Financial: Get your financial house in order!

Financial for Seniors: IT’S NOT TOO LATE TO FILE – there may still be ways to minimize how your assets are counted in the financial aid process. For example, assets in a student’s name are assessed at a higher rate than assets in parents’ names, so utilizing their money for current student related expenses might help minimize the impact on financial aid. Contact us for more information about minimizing your assets to maximize financial aid.

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Financial for Juniors: REAL ADVANTAGES TO APPLYING EARLY: It is best to examine your asset repositioning options now, before the current year taxes are filed, to potentially maximize your eligibility in the financial aid process.

Academic: Back to school!

Academic for Seniors: APPLYING EARLY: Consider how you will be applying to each school. There are several types of admissions deadlines: Early Decision, Early Action, Regular, and Rolling admissions. Be careful when applying Early Decision, you can only apply to one school this way, as it binds you to the college if you are admitted, and may diminish your chances of appealing for additional financial aid, if need be. At some colleges, early applicants may have an advantage. Do your research and review each school’s individual acceptance rates and application deadlines.

Academic for Juniors: PSATs IN OCTOBER: Use this practice test to your advantage. The exam is a good way to familiarize oneself with the structure and process of standardized testing. It can give you a good sense of how you will perform on the SAT, and in which areas you may need to spend additional time preparing. A high score on the PSAT can qualify you for the National Merit Scholarship, which enhances your college application and can make you eligible for additional scholarships.

Upcoming Workshops:

  • Tuesdays, September 16, October 21, or November 18, at 6:45 pm at the CBRG Headquarters located at 7 Becker Farm Road in Roseland
  • Tuesday, September 30, at 6:00 pm, at the Cedar Grove Free Public Library
  • Tuesday, October 7 at 6:30 pm, at the Rutherford Public Library
  • Monday, October 27 at 7:00 pm, at the Wayne Elks Lodge
  • Monday, November 10 at 7:00 pm, at the Parsippany-Troy Hills Public Library
  • Thursday, November 13 at 7:00 pm, at the Berkeley Heights Library

To view a full list of upcoming CBRG workshops and reserve your seat(s) please visit the CBRG website at: or call 888-802-2740.

CBRG works hard with the entire family to let students know that going to college is a responsible decision that affects the whole family, and that there are no ‘free rides.’ The student will be responsible for their academic success in college. They should also try hard to graduate in four years, and try to help pay back all or a portion of loans that may have been taken out in the student’s name.

The opinions expressed herein are the writer's alone, and do not reflect the opinions of or anyone who works for is not responsible for the accuracy of any of the information supplied by the writer.

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