SMARTTRACK℠ College Funding

A smarter way to pay less for college.

While keeping your retirement intact.

Legally and strategically. It all starts with our free assessment.

Take the Free AssessmentFree, takes about 5 minutes, no Social Security number or credit card required.

Five minutes. No homework. A straight answer.

Answer some basic questions about your family and your finances. No bank statements, no credit card, and we never ask for a Social Security number. Estimates are fine. Our system checks for red flags and shows you your path.

Take the free assessment
Nothing to look up, nothing to download, nothing to pay.
On your phone or your laptop
See what the assessment finds
One of two things will happen. If we find red flags, you're invited to a complimentary consultation with a Certified College Funding Specialist. If we don't, we'll tell you you're already on the right track.
A straight answer either way
Know your next move
Depending on what the assessment finds, we'll tell you exactly what to do next: use the Toolkit and handle it yourself, or work one-on-one with a Certified College Funding Specialist.
Your assessment decides the path

Our software

Built on the same formulas colleges use to decide what you pay.

Our software applies the same financial aid formulas the colleges use, finds the red flags that mean savings, then walks you through every step: which schools are generous, how to complete every form without a costly mistake, and the questions every parent asks, answered.

Illustration of the SMARTTRACK℠ assessment. Your results are your own.

Our assessment
Answer a few simple questions.
Nothing to download or install. No Social Security number, no credit card, no payment. Takes about 5 minutes, and you can do it on your phone while dinner is cooking.
The Generosity Scale
Know which schools actually give money, not just what they charge.
Our proprietary Generosity Scale rates every school on how much aid it really awards families like yours, so you know where your money goes furthest before your student applies.
Your real cost
Find out what college will really cost you.
Your household picture, the true four‑year cost, and the gap between them. A straight answer, not a guess.
Your strategies
Then see exactly how to close the gap.
174 funding strategies, ranked for your situation: tax positioning, asset repositioning, cash flow, appeals. When the assessment finds savings, a Certified College Funding Specialist walks you through yours in your complimentary consultation.

We offer two paths. Our assessment decides if you need our services, or not.

Our assessment finds the red flags that will cost you money. When it finds significant savings, you’re invited to work one-on-one with a Certified College Funding Specialist. When it doesn’t, the Toolkit guides you through every form, deadline, and award letter, so you avoid costly mistakes and get every dollar of aid you can.

By invitation, when the assessment finds savings

SMARTTRACK^℠ Advisor

Work one-on-one with a Certified College Funding Specialist.

The assessment looks for the red flags that quietly raise a family’s tuition bill: savings counted against you, income the formulas read the wrong way, a college list weighted toward schools that aren’t generous.

When we find them, that’s money on the table, and the sooner you act, the more of it you keep. You’ll be invited to a complimentary consultation with a Certified College Funding Specialist, covered by our $10,000 savings guarantee. No cost, no obligation to start.

Only $995See what’s included

For every family, the resources to save more

SMARTTRACK^℠ Toolkit

Already on the right track? Save even more.

No red flags is good news: your family is already on the right track, and nobody needs to fix what isn’t broken.

The Toolkit guides you through every form, deadline, and award letter with the Generosity Scale, the SMART Steps library, and the Scholarship Engine, so you avoid costly mistakes and get every dollar of aid you can. Open to every family, at every stage.

Only $495See what’s included

Hire us with confidence.

Zero risk, all reward.

Most college consultants charge thousands up front and hope it works out. We do the opposite. A Certified College Funding Specialist confirms your savings before you pay anything, and then we guarantee it in writing.

Save at least $10,000, or get a full refund plus $100.

No upfront risk
No guessing
No way to come out behind

It isn’t a promise on a website. It’s a document with your name on it.

Families the assessment invites receive a Certificate of Guarantee, issued in your family’s name and stamped as you move through the process, so you always know exactly where you stand and what happens next.

See how our guarantee works

Certificate of Guarantee issued in a family's name, stamped Complimentary Consultation Reserved

See How Much You Could SaveFree, takes about 5 minutes, no Social Security number or credit card required.

SMARTTRACK is an excellent resource for our families to help them structure their finances and plan for what’s ahead.

Tam LyDirector of Guidance & Counseling, La Salle College Preparatory

25+: Years
425,000+: Families Helped
$4.2B: Tuition Savings
174: Funding Strategies
$24,000: Avg. Annual Savings

In their words

Hear it from families and counselors.

I want to shout about this program from the mountain tops!
Linda ZimringPast President, WACAC; College Counselor, Daniel Pearl Magnet High School, CA
I set up a demo and was blown away. It is basically the holy grail of what I've been needing to offer my parents regarding the whole financial aid piece.
Sarah MartinGuidance Counselor, Red Lion Christian Academy, DE
Working with families who use SMARTTRACK℠ is really a collaborative process. They come to the table informed and equipped to make the best decision for their unique situation.
Patrick BrettDirector of the College and Career Center, North Penn High School, PA
This is very exciting. A genius program.
Lorraine S. BrooksPrincipal, River Dell Regional High School, NJ
This is a total no-brainer!
Anne CochranFounding Director, iLEAD North Hollywood High School, CA
Very cool. A great resource.
Andy TuckerDirector of Student Services, Boulder Valley School District, CO
This service is great for parents during this overwhelming process.
Annette T.Parent, Pennsylvania
Appreciated asking questions to a real person who had answers and ideas I would not have thought of on my own.
Tracy M.Parent, California
Our consultant was extremely resourceful, intuitive and considerate. Willing to go the extra mile to personalize my experience. Very attentive and engaging.
Susan B.Parent, California
An incredible resource!
Laine P.Parent, Washington
The advisor took time to explain things and wasn't trying to rush through the process. She really knew what she was talking about!
DarrylParent, Texas
I think that families should be encouraged to start using SMARTTRACK℠ as soon as their child is in 9th grade, if not sooner.
Alexa K.Parent, New Jersey
I want to shout about this program from the mountain tops!
Linda ZimringPast President, WACAC; College Counselor, Daniel Pearl Magnet High School, CA
I set up a demo and was blown away. It is basically the holy grail of what I've been needing to offer my parents regarding the whole financial aid piece.
Sarah MartinGuidance Counselor, Red Lion Christian Academy, DE
Working with families who use SMARTTRACK℠ is really a collaborative process. They come to the table informed and equipped to make the best decision for their unique situation.
Patrick BrettDirector of the College and Career Center, North Penn High School, PA
This is very exciting. A genius program.
Lorraine S. BrooksPrincipal, River Dell Regional High School, NJ
This is a total no-brainer!
Anne CochranFounding Director, iLEAD North Hollywood High School, CA
Very cool. A great resource.
Andy TuckerDirector of Student Services, Boulder Valley School District, CO
This service is great for parents during this overwhelming process.
Annette T.Parent, Pennsylvania
Appreciated asking questions to a real person who had answers and ideas I would not have thought of on my own.
Tracy M.Parent, California
Our consultant was extremely resourceful, intuitive and considerate. Willing to go the extra mile to personalize my experience. Very attentive and engaging.
Susan B.Parent, California
An incredible resource!
Laine P.Parent, Washington
The advisor took time to explain things and wasn't trying to rush through the process. She really knew what she was talking about!
DarrylParent, Texas
I think that families should be encouraged to start using SMARTTRACK℠ as soon as their child is in 9th grade, if not sooner.
Alexa K.Parent, New Jersey

Don't guess. See where your family stands today.

You’ve spent years preparing them for college. Spend five minutes finding out how to pay for it.

Take the Free AssessmentFree, takes about 5 minutes, no Social Security number or credit card required.

A smarter way to pay less for college.

Five minutes. No homework. A straight answer.

Take the free assessment

See what the assessment finds

Know your next move

Built on the same formulas colleges use to decide what you pay.

Answer a few simple questions.

Know which schools actually give money, not just what they charge.

Find out what college will really cost you.

Then see exactly how to close the gap.