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Why Student Loans are Good

Merit-Based Aid, Dare 2B Digital Conference, & Workshops!

Can you believe it’s already February?!

Many colleges’ financial aid deadlines are earlier than previous years! If you have a High School senior, and you have not yet submitted the FAFSA and CSS Profile to all their colleges, do it TODAY!

As we work with families to detail every line of their college funding plan, parents often ponder the pros and cons of their students taking on some loans to have “skin in the game.” This month’s “Tips for Parents of Seniors” offers one perspective on “Why Your Kids Should Take Out Student Loans, Even If You Can Afford To Pay For College.”

Many families that I talk to “hope” that their student will qualify for merit scholarships. They are surprised to discover that many of the best-known colleges only award need-based aid. Our “In College News” featured article ranks colleges according to merit aid awarded. Merit aid, comes into play when colleges use funds to attract desirable students. Check out this list. Often those colleges are not the most well-known but are worth getting to know.

I’ll be an invited speaker at the 2018 Dare 2B Digital Conference hosted at PayPal in San Jose, CA on March 3rd. It is a great conference for teens interested in future careers in STEAM (Science, Technology, Engineering, Arts & Math). Check it out and bring your high school students.

If you’re ready to start building your college funding strategy, join me at one of our February events. I’ll be hosting a Workshop at our Vancouver, WA office on Feb. 22 at 6 pm and a Webinar on Feb. 26 at 6:30. You can learn more and register here for either. It is complimentary and everyone is welcome.

All the best,
Beatrice Schultz, CFP®
Westface College Planning
WA: (360) 818-7728 | CA: (650) 587-1517
1498 SE Tech Center Place, Ste 385
Vancouver, WA 98683


College Funding Workshops & Webinars

Most parents are not financially prepared to enter the most expensive time period of their lives: covering their child’s college education.

Our 60-minute in-person workshops and online webinars provide vital steps you can take right now to assure you understand the cost of attendance and how you can afford college without jeopardizing your retirement.

See our upcoming free events and reserve your spot!



Feb. 22 at 6:00 pm

In-person workshop

Meet with Beatrice and get info on how to minimize your college funding outlay.

Westface College Planning Workshop

1498 SE Tech Center Place, Ste 385, Vancouver, WA

Reserve Your Spot

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Feb. 26th at 6:30pm

Get the info you need from the comfort of home. Join our live online webinar with the same great info as our in-office presentations and ask all your questions!

Reserve Your Spot


Why Your Kids Should Take Out Student Loans, Even If You Can Afford To Pay For College

At first glance, it might seem like a great gift for parents to fund 100% of their child’s college education. College can provide a leg-up in the world, and what a joy for a student to graduate without loans! Especially now, when students in the class of 2015 graduated with an average of $35,000 in student loan debt, according to an analysis of government data by Edvisors.

This line of thinking is reasonable if the parents can afford to pay for college in full. However…

[Continue Reading Forbes article Here…]

10 Colleges That Give Merit Aid to the Most Students

One way to help close the gap between college savings and any need-based aid is with merit aid. Merit aid, sometimes referred to as non-need-based aid, comes into play when colleges, especially those out of the top tier, use funds to attract desirable students. Typically, these students have a stronger academic profile or a specific talent, such as standing out with a particular extracurricular activity.

At each of the 10 ranked colleges where merit scholarships were awarded to the most students, more than 43 percent of full-time students in fall 2016 received merit awards, according to data submitted to U.S. News by schools in an annual survey. These colleges gave merit aid at a much higher rate than the average among the 1,111 ranked colleges that reported these data: 14.5 percent.

Dare 2 Digital Conference in San Jose, CA – March 3, 2018

I’m thrilled to be an invited speaker for the 4th time, at this year’s amazing Dare 2B Digital Conference that provides inspiration and activities for high school students who aspire to future digital careers in STEAM (Science, Technology, Engineering, Arts & Math). I’ll be presenting on college financial planning as part of the Parent Track, so mark your calendars for March 3rd and register online. It’s an amazing event for students and parents!

It’s a VERY exciting day of learning for High School students:

· Become a design thinking ninja
· Experience real-world problem solving
· Work with professionals from top Silicon Valley companies
· Held on the PayPal campus

Plus Interactive learning experience

Industry experts from companies including PayPal, Deloitte, AbbVie and Tesla will present fun and educational problem-solving sessions using design thinking methodology.

· Transportation
· Environment
· Health & Wellness
· Cryptocurrency/Microfinancing
· Media & Entertainment


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Parent Financial Aid Workshops * College Planning Seminars * One-on-One Financial Counseling


Westface College Planning is a trade name of Paceline LLC. December 2017 – Issue #72

Ready for your own success story?

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If you’re a typical parent with college-bound students, you’re probably overwhelmed. You want to help your sons and daughters make the right choices and prevent overpaying for their education. You’re not alone! We’re here to help. Schedule your free consultation today – click below to get started!

Catch our free, on-demand webinar:

How to Survive Paying for College

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Join Beatrice Schultz, CFP® for our on-demand webinar, where she provides parents with the exact steps that often greatly lower the cost of college, even if there’s little time to prepare.