College Steps Consulting is providing access to SMARTTRACK® College Funding to help you learn how best to pay for college, how to pay less for college, and how to keep your retirement safe in the process.
The first step to lower college costs? Take our secure 5-minute online Assessment and schedule your free personalized evaluation with a SMARTTRACK® College Funding Advisor.
Once you create your FREE account, complete our secure online assessment, and choose a convenient time for your Evaluation call, your SMARTTRACK® College Funding Advisor will review your information and make recommendations for your best college funding options.
Your online assessment and evaluation call with your SMARTTRACK® College Funding Advisor will focus on your chances of increasing gift aid, your potential to lower your EFC, and whether advanced college funding planning would be beneficial.
Creating your account and completing our secure online assessment which asks some basic questions takes about 5 minutes to complete.
Don’t put this off! The financial decisions you make in the years before your student is a senior will impact how much you’ll pay for college.
Your assessment and initial call with your SMARTTRACK® College Funding Advisor will uncover…
How to dramatically increase your chances of getting “free money” even if you think you make or have too much money to qualify.
How the financial aid formula really works and why your financial planner and/or accountant may be costing you thousands a year!
What you can do right now to stretch your college funds to cover another semester or more of college costs.
Discover how UTMA, UGMA, 529, Coverdell, and several other types of accounts will reduce or eliminate your eligibility for aid and grant monies.
Understanding how your tax, rental property, business, and estate structures affect how much or how little in grants you get.
Know your college funding options that can be significantly more cost-effective, tax-advantaged and easier for you to afford.
How an exclusive private college may end up being the most inexpensive school your child will attend
Learn what you need to know now about paying less for college.
Why is College Steps Consulting providing these resources to me?
College Steps Consulting knows that students are more likely to attend their top-choice colleges when parents have a well-planned college funding strategy; parents need to prepare for college, too. SMARTTRACK® provides you with free access to expert College Funding Advisors, valuable online resources, and discounted, affordable service options for those who need advanced funding planning.
We are counting on scholarships for our student. What happens if we don’t get enough?
It is uncommon that scholarships alone will entirely cover your college costs. We work with thousands of families who are also counting on scholarships. Our goal is to help you improve your grant potential and provide additional funding options to help you close the gap and reduce your dependence on loans.
How long does the process take?
It should take you about 5-minutes to complete the secure online Assessment. Next, schedule your Evaluation call with a SMARTTRACK® College Funding Advisor. We allot 15-minutes for this call.
Do both parents need to be on the initial call with our SMARTTRACK® College Funding Advisor?
If you are married, both you and your spouse should be on the call. You don’t have to be at the same location; we can conference you both in.
Is my information safe?
SMARTTRACK® employs high-tech, state-of-the-art security measures to protect your data. SMARTTRACK® never shares your data with any third party without your specific prior consent.
How can you help me save money?
Just like your CPA can help you save money by understanding the tax code, our College Funding Advisors may be able to help you save money by helping you understand how the financial aid system will look at your family and what you can do to improve your chances of getting relief from huge college expenses.
Was SMARTTRACK® or any of its College Funding Advisors involved in the recent college admissions scandal?
No way! We assist you in how to pay Smart for college; your student is going to have to get into college on his/her own. However, SMARTTRACK® may be able to save you a lot of money without sacrificing your morals, ethics, and values.
Are you trying to sell me something?
SMARTTRACK® gives families all the Do-It-Yourself tools they need to forecast and strategize plans to reduce college costs, including a chance to review their personal circumstances with one of our SMARTTRACK® Advisors. Some families, those with complicated financial profiles or personal concerns, may seek out more comprehensive services and choose to hire an outside college funding professional. If they elect to work with us, SMARTTRACK® provides steeply discounted services for families with College Steps Consulting. We NEVER recommend professional help unless a family stands to benefit considerably. In fact, we often turn parents away because they don’t need advanced services.

Lorraine S. Brooks

River Dell High School
Oradell, NJ

“This is very exciting - a genius program”

Anne Cochran

Executive Director
Valley International Preparatory High
Los Angeles, CA

“This is a total No Brainer!”

Patrick Brett

Director of College and Career Center
North Penn High School
Lansdale, PA

“Families who use SMARTTRACK® come to the table informed and equipped to make the best decision for their unique situation.”

Kelly Richards

Director of College Counseling
St. George's School
Middletown, RI

“I really like that SMARTTRACK takes a balanced, ethical, and reasonable approach to help families pay for college.”

Tam Ly, MSW, MAEd, PPS

Director of Guidance and Counseling
La Salle College Preparatory
Pasadena, CA

“SMARTTRACK is an excellent resource for our families to help them structure their finances and plan for what's ahead. We have heard positive feedback from families so far and encourage them to use it early on.”


Tracy M.


“Appreciated asking questions to a real person who had answers and ideas I would not have thought of on my own.”

John M.


“I think that families should be encouraged to start using SMARTTRACK® as soon as their child is in 9th grade, if not sooner.”

Anita W.


“I wish I had this consultation when my daughter was a sophomore. The consultant was great at rewording his explanations and advice so I could be sure I understood.”
SMARTTRACK® College Funding can show you how to best pay for college, how to pay less for college, and how to keep your retirement safe in the process.
Even if you think you make too much money or have too many assets to qualify, you still may be able to qualify for significant scholarships, grants, and merit money.
Understanding how the financial aid formulas really work - and how you will be assessed by those formulas - can make a substantial difference in the amount of aid you are awarded.
There may be steps you can take right now to stretch your college funds to cover more of your college costs.
There are specific types of Savings Accounts that may reduce or eliminate your eligibility for grants, scholarships and merit money.
The way you structure your businesses, rental properties, taxes and estate can dramatically affect your college costs.
Because college funding takes such specific expertise, your accountant or financial planner’s best intentions may actually limit your eligibility for aid.
Expensive private colleges may be even more affordable than in-state public schools.
It’s crucial to know the most cost-effective, tax-advantaged college funding strategies specific to your family because these strategies can make college far easier to afford.
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