About Us

I started college-smart-scholarships.com as a way to help reach many more families with a proven consumer-oriented approach that families are not aware of. From my experience both as a parent and an educational/business consultant, I believe there is a "perfect storm" that has already gathered around middle class families in the USA.

These forces closing in on many families today include:

  • rapidly rising college costs
  • the government's unrelenting push for increased student loans and
  • the average family's limited ability to save for college.

About US - Diploma - money

Together, this is producing a growing economic and social crisis in our country. Without a change in course, our society is producing a fast growing segment of our future working population that is taking on dangerous levels of debt - even if they can find work (and wages) in their chosen professional field.

  • What can we do to help our students avoid leading them down a path of crippling debt?
  • How do we help parents better balance their own retirement goals without overspending or over borrowing for college?

Colleges are put on such a high pedastal in our culture. Parents naively assume that colleges have our student's best interests in mind. Have you found a college yet that is willing to help pay back your astronomically high loans once your student successfully graduates? If you do, please let me know.

Until then, I am dedicating my energies to help as many families as possible become college smart. Fortunately I am not alone in my mission. This site is a shared platform. I look forward to introducing other colleagues, authors and experts in the field. I continue to learn much from them in supporting families with their college goals - in a financially responsible approach.

Affiliate and Recommended Resources

I hope this consumer perspective will cause you to think for yourself before you take a course of action that impacts your student, your retirement goals and your family finances for decades.

This information rich site is also designed to be a dialogue and not a monologue. Take the opportunity to share your first hand experiences throughout the site. Whenever you see this symbol

Community Forum

that means it's an opportunity to share your first hand experiences in a Community Forum.

My vision is that together we can develop a college smart community that can not only help other families today but also influence the root causes of these important issues for the families of tomorrow's college bound students.

Thanks for visiting us!

Dennis Raup  - Publisher

Dennis Raup

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."