Trusted educational planning & grant guidance in Denver, CO
Frequently asked questions

The questions families ask us first.

Ten of the most common questions we hear during intro calls. Do not see yours? Ask us directly.

Do we really need to file the FAFSA even if we won't qualify for federal aid?

Almost always, yes. Many state grants, institutional scholarships, and even some private scholarships require a FAFSA on file. Filing costs nothing and takes about 45 minutes for most families.

What is the difference between a grant, a scholarship, and a loan?

Grants and scholarships are money you do not repay — grants are typically need-based, scholarships are typically merit- or interest-based. Loans must be repaid with interest. If an offer sounds like free money but requires an application fee or promises a guaranteed award, treat it as a red flag.

Is starting at a community college a smart move?

For many families it is one of the strongest financial moves available. A carefully planned two-year start can cut the cost of a bachelor's degree substantially — provided credits are chosen with the transfer institution's requirements in mind.

I'm going back to school as an adult. Are there grants for me?

Yes. Federal Pell Grants, state adult-learner programs, employer tuition benefits, and dozens of private grants specifically target returning students, single parents, veterans, and career changers.

What Colorado-specific aid should we know about?

Colorado residents attending eligible in-state institutions may qualify for the College Opportunity Fund (COF), Colorado Student Grant, and partner scholarships through the Colorado Opportunity Scholarship Initiative. Community-college and CTE pathways have additional state-funded supports.

Can we appeal a financial-aid offer?

Often, yes — especially if a family's financial situation has changed since the FAFSA was filed (job loss, medical expenses, divorce, or a new dependent). A well-documented appeal letter, sent within the school's window, can meaningfully change a package.

When should we start working with an advisor?

The ideal starting point is the spring of junior year for traditional students, or 6–9 months before your intended term for adult learners. We do help families later than that — but earlier work reduces stress and expands options.

Do you guarantee scholarships or admissions?

No — and we never will. Anyone who guarantees a scholarship outcome is not being honest with you. We guarantee our process, our attention, and our follow-through.

How much does it cost?

Pricing depends on the package and is shared transparently during the intro call. We publish a written scope of work before any money changes hands, and we offer payment plans on all engagements.

Do you meet in person?

Yes, for families in the Denver metro area. Most work happens over shared documents and video calls, but we host regular in-person sessions and occasional group workshops.