Scholarship Strategies empowers students to be uniquely proactive towards their scholarship search process, enabling them to find more scholarships than with the traditional approach through the guidance and college offices at their schools. The current approach to finding scholarships to reduce college costs is not giving families the results they need. College costs continue to rise and so does student loan debt. As a recipient of an academic college scholarship as well as several outside scholarships, Jean O'Toole was able to attend Wagner College, but she and her family still had to pay for the remainder of her education with student loans. A different approach is needed to provide families with different results. In Scholarship Strategies, Jean simplifies the scholarship application process in easy-to-follow steps which any student can incorporate into their already busy schedules. She provides students and parents with a clear plan to decipher which scholarships have the best chances of winning and should be applied to. This easy-to-follow, out-of-the-box approach was developed over a decade of working with thousands of students, giving students and families ownership of the scholarship search process to build on the efforts that their school counselors are already providing. A future can be designed without college debt, and Scholarship Strategies with its 25 clear strategies, along with 15 additional ways to reduce college costs, helps students live that future.

Helping someone plan for retirement is a very personal process. Having retired over 1000 individuals, Sid Miramontes has learned quite a few things along the way. Some situations are similar for each person, but others are totally unique to each individual-the personal, the exceptional, the human side of retirement. Retirement: Your New Beginning provides education on commonly confused retirement concepts, helping simplify the process of retirement with client stories that will help the reader visualize their own retirement along with valuable tips of the do's and don't's.

Low income and first-generation students comprise a significant portion of today's college student population. The articles in this publication examine the various programs and strategies that are designed to support student success for these populations.