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<h1>Student Aid System</h1>
<!-- Start -->
<div class="financial_aid_service">
<h3 class="top30">TODAY’S COLLEGE CHALLENGES</h3>
<p>College costs continue to rise at a rate which far outpaces inflation.<br />
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.<br /><b>We are dedicated to guiding you through the financial aid process in a manner that is both effortless and precise.</b></p>
<h3 class="top30">How can we help families?</h3>
<p><b>Free money planning</b> - Get the Maximum Free Money for College<br />
<b>Save Time</b> - It takes the average family 40+ hours to get financial aid on their own; we cut that.<br />
<b>Save Money</b> - One in every 7 FAFSAs is submitted incorrectly each year, costing over $9,000 in lost financial aid.<br />
<b>Get Peace</b> - The financial aid expert has reviewed your applications.</p>
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<span id="01" class="dropcap">01</span>
<h3>About Us</h3>
<p>Bay Spectrum Consulting is an affiliate of Spectrum College Planning Inc., a premier consulting firm focused on college application and financial aid planning. Bay Spectrum Consulting has been operating in Silicon Valley since 2013, under the guidance Hyung Kim, who has over 15 years of experience in college application and financial aid planning at the Southern California branch of Spectrum College Planning Inc.</p>
<p>Bay Spectrum Consulting uses the most up-to-date information and a sophisticated knowledge of complex financial aid system to provide the most effective college application and financial aid planning services for all of our clients. Furthermore, Bay Spectrum Consulting offers easily accessible online consulting services so that families located all over the world can receive professional consulting services at Bay Spectrum Consulting.</p>
<p>With college fees increasing every year, we understand that many families are struggling to send their children through four years of college. Bay Spectrum Consulting aims to minimize your financial stress and maximize your financial aid opportunities through our experience and knowledge in college financial planning.</p>
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<div class="bottom50">
<span id="02" class="dropcap">02</span>
<h3>Services</h3>
<h4>We Provide the full spectrum of your college financial needs.</h4>
<table class="table table-responsive privacy_page">
<tbody>
<tr>
<td class="col-sm-4">
<h4>Timeline<br />
Maximizing Financial Aid<br />
Completion of FAFSA<br />
Completion of CSS Profile<br />
Completion of Institutional Forms<br />
Follow up additional requiremts<br />
Ananysis of Awards<br />
Guidance of Apeeals<br />
Assistance of Loan Processing</h4>
</td>
<td class="col-sm-8 fa fa-quote-left" style="vertical-align:middle;"><h3>College Financial Aid Planning<br />Get the Maximum Free Money for College</h3></td>
</tr>
</tbody>
</table>
<table id="service" class="table table-responsive table-bordered">
<tbody>
<tr>
<th>Service Item</th>
<th>FAFSA</th>
<th>FAFSA + CSS Profile</th>
<th><b>Standard package</b></th>
<th><b>Premium package</b></th>
</tr>
<tr>
<td class="left">One hour consulting</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Quick answer service</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">FAFSA Preparation</td><td>∨</td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">FAFSA completion on time with accuracy</td><td>∨</td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">FAFSA SAR Managment</td><td>∨</td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">IRS DATA Retrieval</td><td>∨</td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Follow-up of Verification Form</td><td>∨</td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">CSS Profile preparation & completion</td><td></td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Guidance of additional documents</td><td></td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Completion of additional documents</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Follow-up of IDOC</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Follow-up of State Financial Aid</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Assistance of In-State Tuition</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Analysis of Award Packages</td><td>∨</td><td>∨</td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Guidance and assistance of Appeals</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Consulting for Final College Selection</td><<td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Federal Loans Assitance</td><td></td><td></td><td>∨</td><td>∨</td>
</tr>
<tr>
<td class="left">Current College Plan Analysis</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="left">EFC Analysis</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="left">Tax report review and strategies</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="left">Maximizing Financial Aid Strategies</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="left">Better Aid College Recommendation</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="left">College Search and Selection</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="left">College Payment Plan</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="left">Scholarship Recommendations</td><td></td><td></td><td></td><td>∨</td>
</tr>
<tr>
<td class="fee left">Starting Process</td><td class="fee">$350<br /><a href="/index.php?route=product/product&path=25&product_id=43" class="btn btn-default btn-small btn-inline" title="buy now">Buy Now</a></td><td class="fee">$595<br /><a href="/index.php?route=product/product&path=25&product_id=52" class="btn btn-default btn-small btn-inline" title="buy now">Buy Now</a></td><td class="fee">$995<br /><a href="/index.php?route=product/product&path=25&product_id=50" class="btn btn-default btn-small btn-inline" title="buy now">Buy Now</a></td><td class="fee">$1,495<br /><a href="/index.php?route=product/product&path=25&product_id=41" class="btn btn-default btn-small btn-inline" title="buy now">Buy Now</a></td>
</tr>
</tbody>
</table>
</div>
<div class="col-sm-12 bottom50" style="margin-top:20px;">
<span class="dropcap-sm">01</span>
<div class="extra-wrap"><h4>One hour consulting only $150</h4></div>
<div class="clear"></div>
<span class="dropcap-sm">02</span>
<div class="extra-wrap"><h4>Add $100 per additional each 10 schools</h4></div>
<div class="clear"></div>
<span class="dropcap-sm">03</span>
<div class="extra-wrap"><h4>Add $50 per each Private school when you purchase Package services. (Refunded if the school requires only FAFSA)</h4></div>
<div class="clear"></div>
<span class="dropcap-sm">04</span>
<div class="extra-wrap"><h4>Client should pay college board fees for CSS Profile (First college $25, Each $16 from second one)</h4></div>
<div class="clear"></div>
<span class="dropcap-sm">05</span>
<div class="extra-wrap"><h4>Renewal service fee of current client: $395</h4></div>
<div class="clear"></div>
</div>
<div class="bottom50">
<span id="03" class="dropcap">03</span>
<h3>Case Study</h3>
<h4>Plan your child's College Financial Aid Planning as early as possible, you will get the Maximum Free Money for College.</h4>
<p>Our experienced, knowledgeable consultants help you complete the financial aid process every step of the way.</p>
<div class="col-sm-12">
<div class="col-sm-6">
<img src="image/catalog/case_study_efc_planning.png" alt="EFC Planning">
</div>
<div class="col-sm-6">
<img src="image/catalog/case_study_the_lesser_school.png" alt="The Lesser School">
</div>
</div>
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2858 Stevens Creek Blvd., Suite 207, San Jose, CA 95128 <dl>
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