College Planning

Will you be able to pay for college?  That’s the question parents are asking themselves today as the cost of higher education continues to increase. EmSpring offers unique help through a service called Insight College Solutions. Insight specializes in helping families meet the financial challenge of a college education.

We can help you find the right school at the lowest possible cost – without raiding your retirement funds or stripping your home equity. We are experts in tax strategies that use the Internal Revenue Service to help pay for college. We know how to maximize your financial aid and find the schools that have the scholarships!

Simplify the process! We create a plan of action to give you direction and simplify the college confusion. It’s never too late and never too soon to start planning for college. Stategies include:

  •  Scholarships
  • Tax Planning
  • College Selection
  • SAT/ACT software to improve test scores
  • College loan and Financial Aid advice

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Carol Wagar CPA, holds a designation from the National Institute of College Planning Specialists, and manages EmSpring College Solutions. Carol has been a certified public accountant in the state of Washington since 1983 and a certified college planning specialist since 2005. She has extensive business accounting and consulting experience. Carol is a financial literacy presenter for the Washington State Society of Certified Public Accountants. She is a summa cum laude graduate of Washington State University and parent of three sons - all current students in college or high school.

By request, Carol and her support staff here at EmSpring provide:

Individual Consultations

This is a 60 - 90 minute session with parents and student at a fee of $75.

Please bring to our meeting:

  • Most recent tax return
  • Parent Questionnaire
  • Student’s grades and SAT scores

Additional Services:

  • Cash flow management
  • Tax reduction
  • Financial Aid maximization

Parents can expect to to free up cash for college in a number of ways, depending on your personal situation. Typical savings range from $2,000 - $10,000 per year.

We will prepare a custom report from your financial information that includes implementation information. Fees vary depending on your situation.

Forms Preparation:

FAFSA (Free Application for Federal Student Aid) form preparation

  • First year: $200
  • FAFSA renewals: $100
  • CSS PROFILE form: $75 (additional)

The Complete Package

College Coaching, Financial Strategies, Test preparation software, Career software and Forms Preparation

  • W-2 families: $1,195
  • Business owner families: $1,495

 Hannah at Georgetown

Hannah is happy at Georgetown. Thanks Carol!