Debt is a Four-letter Word But it Need Not Be!: The College Experience

As their children grow up parents face increasing need to develop and guide their wise formal use of money. In the teen years, acquiring a credit card is a first foray. Then purchasing a first auto comes along. As post-secondary education nears, student loans arise. Graduation moves a better auto and a first condo or home purchase to the horizon. Increasing complexity and monetary magnitude of loan needs can be a scary challenge for people relatively new to debt.

Debt is a 4-Letter Word, but it need not be is a book series that helps parents and young people to effectively maneuver through first-time debt worries. In The College Experience the reader walks along as a fictionalized Dad and daughter go through her independent need for a credit card for ongoing college expenses, financing her college dreams, considering graduate school, and planning for post-graduation repayment of student loans. One observes Dad's caring teaching path; taken atop informed, strategic borrowing strategies he shares and uses as they make important decisions and take vital steps together. You see a parent become less and less overseeing and a daughter more and more self-reliant.

Debt is a 4-Letter Word, but it need not be The College Experience volume includes:

-20 LESSONS about typical college-related debt needs young families face

-42 detailed hypothetical SITUATIONS numerically covering borrowing circumstances commonly encountered in real life college experiences

-Step-by-step explanation of needed calculation techniques

-39 easy-to-do EXERCISES for the reader to try the illustrated calculation methods

-Table-based aids to simplify/expedite applying the detailed calculations procedures

While pragmatic and detailed, the book is written in a fun, narrative style so the reader will enjoy learning what otherwise might be unexciting financial matters.

As their children grow up, parents face the need to guide and develop their wise formal use of money. Increasing complexity and monetary magnitude of loan needs can be a scary challenge when relatively new to formal debt. The DEBT is a Four-Letter Word, But it Need Not Be book series arms parents with powerful monetary tools to help their child maneuver through many first-time debt situations and worries wisely and effectively.

With Sure Thing University, Hoped For University, and Dream University on his daughter's radar, Dad must balance encouragement and pragmatism. One observes Dad's caring teaching path; taken atop informed, strategic borrowing strategies he shares and uses as they make important financial decisions and take vital monetary steps together. You see Dad become less and less overseeing and a daughter more and more self-reliant.

Yikes Your child is growing up faster and faster A teenager now, in a blink or two he or she will be a young adult. Many parents worry about their teen's ability to manage money and coming debt needs. Maybe you're one of them? It can be a scary phase.

Updated in 2018, THE COLLEGE EXPERIENCE is the first volume in the ongoing DEBT is a Four-Letter word, But it Need Not Be book series. It's written by a professor with 30+years of experience teaching/advising young people. He managed grant budgets totaling millions of dollars and provided financial aid to countless students. As a parent, he used his fiscal skills to achieve wise debt management and positive outcomes for his daughter's needs. Together, they "walked the talk" of THE COLLEGE EXPERIENCE. Along the way he caringly taught her fiscal skills and motivated her to use them.

Lots of books have been published on the money management needs of a typical lifetime. They're written in third person with broad coverage of strictly monetary aspects. What is unique about this one?

Your teen's college experience begins before stepping on to a campus. It starts with a heartfelt desire to be accepted into a college that best fits his or her career endeavor and the family's financial means. The path is full of monetary challenges, unknowns to research, emotional trials, and decisions to make. It ends when all the costs of that education are paid. How can you and your teen accomplish that? It can be exhausting. With the guidance and tools provided in THE COLLEGE EXPERIENCE you'll greatly lessen the pressure and time-demands.

Written in narrative style, it describes the fictional experiences of a typical teen (Nicole) and her Dad. It's a story of how she encounters debt as she moves from high school into college and through the college years to graduation. Along the way, balancing encouragement and pragmatism, her Dad guides her through. You'll see how,

●Dad caringly but craftily weans his way into Nicole's comfort zone
●Nicole and her Dad verbally relate to one another
●Dad teaches her concepts, methods, calculations, tactics, and strategies
●Nicole and Dad making all the financial decisions together
●Nicole choosing between Sure Thing University, Hoped For University, and Dream University

At the end Nicole and her Dad have managed THE COLLEGE EXPERIENCE successfully. Following their example, you and your teen can achieve similar results.

THE COLLEGE EXPERIENCE is comprised of 20 chronologically sequencedLESSONS. Within each, arising debt SITUATIONS and detailed procedures for monetarily addressing them are described. You see how the debt involved is handled either poorly or effectively. Periodic Exercises offer check points for you to confirm understanding of the subject matter. By reading and implementing the content you and your teen will understand

●the federal student loan process and rules and the student and parent pieces of the puzzle
●estimating college costs and comparing financial aid offers
●making and repaying student loans wisely
●consolidating student loans and handling hidden pitfalls
●repaying loans faster - saving lots of interest.
●student loan enemies Nos. 1, 2 and 3

And, your young adult will walk down the Commencement aisle feeling much less financially overwhelmed than typically happens. You'll watch with a big smile, feeling much more secure about having managed the financial costs To get there, start by B