"How to Score a Debt-Free Education:" Why everyone needs to read this book now!
Weíve been there. The truth is that, in the end, we all want peace of mind.
At Tokende, we strive to fix that problem as we teach people how to graduate college debt-free.
I invite you to visit www.tokende.com/book TODAY to order your copy of ďHow to Score a Debt-Free EducationĒ and join us on a FREE webinar this Wednesday August 27 at 7 pm CDT. In this webinar, you will learn:
- Why student loans are a big no-no
- How to optimize your financial aid
- How to see paying for college differently
- Practical ways to pay pennies on the dollar for college
Seats are limited, so reserve yours TODAY at WWW.TOKENDE.COM
Here are some interesting facts on student debt:
1. Student debt is almost impossible to discharge in bankruptcy: If you fall on hard times after you graduate from that expensive college, your credit card and mortgage debt can be discharged through bankruptcy. This doesnít always apply to student debt; youíll still have to pay off all your student loans. Even when you die, your next of kin inherits your student loans. Is this the legacy you want to leave to your kids?
2. Student debt is increasing, while wages have decreased: When I picked a college, I didnít care how much student debt I ended up with. I thought that once I got my education, Iíd just pay off all my student loans from my mega-salary. The fact is that since 2000, education costs at 4-year universities have increased by 70% and student debt held by the US Department of Education (USDOE) has increased by over 400%, while average wages have decreased by about 10%.
3. Itís only going to get worse: Over 40 million Americans hold some form of student debt. To put this in perspective, this number is larger than the entire population of Canada, and more than 200 other countries. Since 2010 the Federal Government has become the main student debt holder, enabling it to make over $50 billion in 2013, more than even ExxonMobil, the most profitable company in the country. Additionally, because student debt is pegged to variable interest rates, these rates can only go up.
This book will show you several strategies to fund your education, while avoiding the pitfall that student debt has become. The first step is to read the book in order to appreciate different ways to think about financing your education. The second step is to look into the various solutions also provided by Tokende:
1. Online Training: This has a combination of free webinars and training programs for those who want to fund their education without taking on student debt. It is also provides a forum to discuss various topics and answer specific questions on the college planning process.
2. 1-on-1 Coaching: Tokende has teamed up with Heartland Institute for Financial Education (HIFE), to provide a complete 1-on-1 coaching solution for families. This is the perfect solution for those who want expert advice throughout the entire college planning process. After a free consultation, each coach will work with the student and their family to ensure that they maximize their grants, scholarships, and financial aid for their higher education. HIFE consultants have helped high school students receive over $7,000,000 in scholarships and grants and additional $5,500,000 in savings between September 2012 and February 2014.
Linda Enoh, Ph.D
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