Student Aid System
TODAY’S COLLEGE CHALLENGES
College costs continue to rise at a rate which far outpaces inflation.
Only 5 percent of people are prepared to fully pay their expected college costs and Colleges are receiving a record number of applications. Today’s college applicants are much more prepared and qualified than in the past resulting in a highly competitive process.
We are dedicated to guiding you through the financial aid process in a manner that is both effortless and precise.
How can we help families?
Free money planning - Get the Maximum Free Money for College
Save Time - It takes the average family 40+ hours to get financial aid on their own; we cut that.
Save Money - One in every 7 FAFSAs is submitted incorrectly each year, costing over $9,000 in lost financial aid.
Get Peace - The financial aid expert has reviewed your applications.
About Us
Bay Spectrum Consulting, established in 2013 in San Jose, Californian, is affiliated with Spectrum College Planning, Inc.
Spectrum College Planning, Inc. began as a college funding company with a goal of helping families realize the dream of higher education for their children. We have shown families how to make college affordable by implementing little known financial and tax strategies in order to maximize financial aid as well as cash-flow college costs.
Over the years as the market evolved we recognized that successful college funding must include comprehensive college planning. College planning involves a proper college search, standardized test preparation and assistance with admissions applications. In order to provide these critical college planning elements we developed our SmartTrack™ Program and expanded our services to include a Student Services Department.
While there are companies that provide standalone college admissions consulting services, our experience is that these companies rarely include an analysis of the projected financial aid available at specific colleges (both need and merit based). In other words, they will help you get in to a college but you may be left asking yourself two questions: Are my college costs as low as they could have been? How am I going to pay my out-of-pocket costs?
By providing both college funding and college planning services under one roof, we offer families acomplete turnkey solution at a lower cost. This also eliminates the disconnect and confusion that often results when multiple organizations are involved in the college planning and college funding processes.
Choosing Spectrum College Planning is equivalent to soliciting the services of a tax planning consultant and a financial planning expert, along with college admissions and financial aid specialists who all work together as a team to provide a cohesive and comprehensive solution to your college planning and college funding needs.
Since opening our doors in 2001, we have assisted more than 6000 families making us the most experienced college planning company in southern California.
Services
We Provide the full spectrumof your college financial needs.
Timeline
|
College Financial Aid Planning |
| Service Item | FAFSA | FAFSA + CSS Profile | Standard package | Premium package |
|---|---|---|---|---|
| One hour consulting | ∨ | ∨ | ||
| Fast answer service | ∨ | ∨ | ∨ | ∨ |
| FAFSA Preparation | ∨ | ∨ | ∨ | ∨ |
| FAFSA completion on time with accuracy | ∨ | ∨ | ∨ | ∨ |
| FAFSA SAR Managment | ∨ | ∨ | ∨ | ∨ |
| IRS DATA Retrieval | ∨ | ∨ | ∨ | ∨ |
| Follow-up of Verification Form | ∨ | ∨ | ∨ | ∨ |
| CSS Profile preparation & completion | ∨ | ∨ | ∨ | |
| Guidance of additional documents | ∨ | ∨ | ∨ | |
| Completion of additional documents | ∨ | ∨ | ||
| Follow-up of IDOC | ∨ | ∨ | ||
| Follow-up of State Financial Aid | ∨ | ∨ | ||
| Assistance of In-State Tuition | ∨ | ∨ | ||
| Analysis of Award Packages | ∨ | ∨ | ∨ | ∨ |
| Guidance and assistance of Appeals | ∨ | ∨ | ||
| Consulting for Final College Selection | <∨ | ∨ | ||
| Federal Loans Assitance | ∨ | ∨ | ||
| Current College Plan Analysis | ∨ | |||
| EFC Analysis | ∨ | |||
| Tax report review and strategies | ∨ | |||
| Maximizing Financial Aid Strategies | ∨ | |||
| Better Aid College Recommendation | ∨ | |||
| College Search and Selection | ∨ | |||
| College Payment Plan | ∨ | |||
| Scholarship Recommendations | ∨ | |||
| Starting Process | $350 Buy Now | $595 Buy Now | $995 Buy Now | $1,495 Buy Now |