How it works

It starts with our free assessment.

Our assessment takes your income, assets, and goals through the same formulas colleges use to decide what they expect you to pay. No Social Security number, no paperwork, no cost.

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

What the assessment looks for

Red flags.Four situations that quietly raise your bill.

Most families who overpay for college don’t do it because they earn too much. They do it because of how their money is arranged: a 529 that isn’t positioned well, a business the formulas read as cash, a home or a rental counted as money you could borrow against. And they find out on the award letter, when it’s too late to change anything. Our assessment reveals those issues before you file a single form, while you can still change things.

The Responsible Saver

You saved diligently, but dollars in your child's name (a custodial UGMA or UTMA) or an overstuffed 529 get counted against you far harder than the same dollars held in yours.

The Business Owner

The profits you leave in the company to keep it healthy can be read as cash you could hand straight to the college.

The Real Estate Investor

That rental, or the cabin at the lake, can be treated as money you could borrow against or sell to cover tuition.

The High Earner

Writing tuition checks from your salary means paying with the most expensive dollars you have: your cash flow, after taxes.

None of this means you did anything wrong. It means there’s almost certainly a smarter way to do it, and the assessment is how you find yours.

The assessment

A real answer in about five minutes

When you finish, our software tells you what it found and which of the two paths is yours.

5 min: Start to finish
$0: No SSN, no cost

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

Then you’ll know your next move

When the assessment finds savings

SMARTTRACK^℠ Advisor

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

Here’s what makes SMARTTRACK different: you find out exactly how much we can save you before you pay a penny. You’ll book a complimentary one-on-one with a Certified College Funding Specialist who goes through your actual numbers with you, live, and shows you the savings in black and white. Then, and only then, do you decide whether to hire us. And when you do, you’re covered by our $10,000 savings guarantee: save at least $10,000, or we refund every dollar plus an extra $100. The program is $995, and with the guarantee you can’t come out behind. The risk is entirely on us.

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

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

See exactly where your family stands.