After taxes and college basketball it's that marvelous time of year - filing our FAFSA.

For those new to the financial aid game colleges have parents and students play every year, the Free Application for Federal Student Aid is filled with pitfalls to avoid.

This newsletter is about all things FAFSA!

Did You Know?

  • 42% of FAFSA's filed each year contain errors that could jeopardize the amount of free college money your receive.
  • Most middle class families fall into the trap of not earning and saving enough to pay the high cost of college. Yet, after filing their FAFSA they find out they earn to much to receive free government aid.
  • About 30% of CAPlus clients with HS seniors and higher incomes don't file FAFSA initially on our recommendation.

Learn how FAFSA is really used by colleges and how to receive the biggest sources of free college money.

All Things FAFSA

CAPlus featured FAFSA newsletter includes learning about the five most common myths about FAFSA that can lower your Expected Family Contribution (EFC).

My favorite one? It's OK to estimate your taxes first and file your FAFSA. You can always go back later and update with actual tax numbers after you send in your tax return.

This means you may have a higher chance of receiving free FAFSA money by filing earlier, it also means you can fit in your favorite college basketball game!

What's New?

Live webinars by HS class to support your family on your college journey.

Opt in to receive future notices directly. Receive practical tips throughout the college planning cycle.
Live workshops including Buffalo and Rochester locations.

If you have received this free bi-monthly newsletter from someone else and would like to receive this directly just click here to opt in.

Good luck with your FAFSA!

Dennis Raup

p.s. Some recent newsletter housekeeping changes to my CAPlus clients...
As I shared in my recent Client Connections holiday update, you are welcome to continue to receive these additional College Smart tips and updates I include with every CAPlus newsletter. Simply do nothing and you'll receive these fuller editions from me.

You should also be receiving just the CAPlus newsletter directly from our CAPlus Customer Service team.

If you prefer to only receive one newsletter version feel free to opt out of the one you no longer wish to receive. You will find these opt out links below at the bottom of each newsletter.

Thanks, I want to be sure you only receive the mail from us that you want to receive.


parents talking

What Clients Are Saying



“…without your involvement, we never would have thought to approach the college directly…. We got the documentation together to obtain residency, created letters to send and were granted residency which translated to $20,000 in savings.

THEN we went back and said, 'don’t take away her out-of-state scholarship just because she is now a resident' and got OSU to maintain the $7,000 scholarship".

"We would like to express our appreciation for the service that our daughter received.

She is our first child to go through the college application process, and it was very intimidating for our whole family. You were able to create a clear, understandable path for our daughter.

As a result of all of this hard work, our daughter was offered three presidential scholarships at various colleges, including a full tuition scholarship to a private college.

Thanks again, and we look forward to working with you on our son's upcoming college search."

"HWS presented an above average financial aid award, however, it included some work study. With your guidance, I went back and asked that the work study be converted to either grant or scholarship to relieve the financial burden while allowing my daughter to focus on academics.

They came back with the conversion AND continued to keep her eligible for an equal amount of money through work study."