College Financial Aid Consultants | Expert Financial Aid Advisors in NJ

Ecliptic Financial Advisors specializes in college financial aid consulting and admissions counseling. Our team is dedicated to helping you find the most affordable way to fund your child’s college education.

Workshops

Our workshops help families better understand the college financial aid process so they can maximize eligibility for financial awards.

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Programs

Our programs are designed to help families navigate through the college admissions and financial aid processes.

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Resources

Our resources help students and their families prepare for this exciting chapter by creating a sustainable college funding strategy.

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College Funding Strategies

Our financial professionals will evaluate your finances and help you find the most affordable and efficient way to fund your child's college education.

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College Admissions Counseling

Our professional college admissions counselors will guide you every step of the way, significantly reducing stress for you and your child.

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Professional College Funding Strategy Services

College costs have increased 7% to 8% each year for over 40 years. Today, four years of college could cost more than $200,000. Without the aid of professional college planning guidance, an average family may have to sacrifice its retirement plan and potentially incur an enormous amount of debt.

There is currently $198 billion available in financial aid and tax relief to help families pay for college. Financial aid is not limited to special groups – most families can qualify. If you’re not an expert in the rules and regulations and do not thoroughly understand the application process, you may actually damage your chances of receiving aid. Whether you have a good income and have saved for years to fund your child’s education, or you have nothing saved and have just started to think about it, a strategic college funding plan can help you secure your child’s future.

Ecliptic Financial Advisors will guide you through the entire process of paying for college. We believe in helping you and your child attend not just the best college, but the best college you can afford. Our comprehensive financial planning guidance will put you and your child on the path to success.

At Ecliptic Financial Advisors, we have an expert team of financial professionals and college admissions counselors who work together to guide you every step of the way.

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Free College Funding Workshop

Sign up for a free College Funding Workshop to get your questions answered and learn how to beat the high costs of college.

How College Expenses Have Increased

With the cost of tuition likely to rise from year to year, it will be critical to factor in all four years of expenses into your plan for paying for college.

Today's College Costs

The costs of college today continue to rise at an alarming rate, which is why working with an expert financial professional -early in the process- is so important. Here are some of the alarming trends.

Tuition and Fees

The cost of tuition at a four-year college has increased from an average of $10,680 a year in 1976 (in 2016 dollars) to $33,480 each year today.

With tuition likely to rise from year to year, it will be critical to factor in all four years of college into your plan for paying for college. At Ecliptic Financial Advisors we understand the complicated financial aid maze and will help you plan strategically to cover all four years of college.

College Funding Services College Cost Report

College Statistics

80 % of students switch majors in college and incur added expenses in doing so

30 % of students drop out of college, wasting money

30 % of families do not receive financial aid by not understanding the system

*It is our goal that your child does not become one of these statistics

Today's Financial Aid Options

There are several different types of financial aid. It’s important to understand the difference.

Need Based: Awarded based on household income and assets; students with proven financial need, based on the family’s Expected Family Contribution (EFC), are eligible to receive this in the form of GRANTS (gift money).
Merit Based: Awarded based on a student’s academic achievement; students who have earned a high GPA and scored well on standardized tests will receive this in the form of SCHOLARSHIPS (gift money).
Private Scholarships: Additional money provided by private sources with their own rules for qualifications. Scholarships are generally gift money and do not need to be paid back.

It’s important to understand the difference between grants, loans and scholarships. Grants, based on NEED, and Scholarships, based on MERIT, are gifts and do not need to be paid back. Loans, on the other hand, need to be repaid. There are Federal loans, State loans and private loans; most are paid back with interest.

Even with a keen understanding of what’s available, there are no guarantees that you will receive any financial aid. Every college has its own policies regarding aid. We can help you navigate this maze.

Ecliptic Financial Advisors will help you manage the challenge of paying for a college education.

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Is Debt the Way to Go?

Most colleges include student loans in their award packages. Some include what are called Parent Loan for Undergraduate Students (PLUS) loans. This is a loan parents can take out to cover the cost of the college, after any free money the student receives from the college. I am not advocating taking on debt. However, it […]

What’s a Good ACT Score and what are the ACT Ranges and Percentiles?

There’s often a lot of attention paid to the SATs in comparison to the ACTs (American College Test) – another crucial college entrance exam. However, for about 49% of the high school graduating class of 2020, the ACTs were a critical part of their college applications. This goes to show that the ACTs are important for students […]

How to Predict Merit Aid in a Strange College Application Season

Students may have no test scores, altered grades and compromised extracurricular activities. So how will colleges dole out the discounts?

Ecliptic Financial provided us with excellent service, tools and advisement for both our daughters’ college selection, FAFSAs each year, scholarships, and funding strategy for college and retirement. They are always available to us with stellar support.

— Cecilia