News, Events, & Promotions

Welcome to Bay Spectrum Consulting blog. We will publish latest news and events about college financial aid planning for your children, and promotions about our services.

NEW FAFSA CHANGES ARE COMING FOR THE SCHOOL YEAR 2023-2024

Posted By: Bay Published: 02/15/2021 Times Read: 1171 Comments 0
NEW FAFSA CHANGES ARE COMING FOR THE SCHOOL YEAR 2023-2024

The new FAFSA is expected to have a shorter application and an easier path to eligibility. The FAFSA Simplification Act was bundled into the Consolidated Appropriations Act of 2021, which included the second coronavirus relief bill. The changes to the FAFSA are effective as of July 1, 2023, for the 2023-2024 academic year and afterward. 대학생 자녀들의 재정보조 혜택을 보다 쉽게 예측할 수 있도록 돕기 위해, 2020년말에 통과된 추가경기 부양법안에 포함된 FAFSA개정안이 2022년 10월 부터 시행하게 된다. 이로 인해 작성 양식이 대폭 간소화되고 변경되어, 이로 인해 대학을 입학하는 학생들과 학비를 부담하는 학부모들이 받게 되는 영향을 살펴 보고자 한다.

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What The $2 Trillion Stimulus Plan Means for Student Loan Relief:

Posted By: Bay Published: 03/28/2020 Times Read: 4442 Comments 0
What The $2 Trillion Stimulus Plan Means for Student Loan Relief:

3월 27에 최종 발효된 미국의 코로나 19사태로 인한 경제적 지원 방안의 하나로, 연방정부 학생론 상환이 4월부터 9월까지 6개월 동안 일체 유예된다. 즉, 원금과 이자 모두 이 기간동안 상환하지 않고 10월 부터 다시 상환을 시작하면 된다. The stimulus package enacted gives most federal student loan borrowers a six-month break from payments.

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FAFSA vs. CSS Profile - How are they different?

Posted By: Bay Published: 01/18/2020 Times Read: 2524 Comments 0
FAFSA vs. CSS Profile - How are they different?

매년 대학 입학시즌이 되면, Financial Aid 신청을 앞둔 많은 학부모님들과 상담을 하게됩니다. 상담을 하면서 자주 대부분의 학부모님들이 FAFSA에 대해서는 익히 알고 있지만 Private schools에서 요구하는 CSS Profile을 잘 알지 못하고 있는 것을 발견하게 됩니다. 따라서 오늘은 FAFSA와 CSS Profile에 대해 간략하게 차이점을 정리해서 알려 드리고자 합니다.

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The Colleges with Most Financial Aid

Posted By: Bay Published: 07/25/2019 Times Read: 2869 Comments 0
The Colleges with Most Financial Aid

Few students can afford the high price of college without financial aid. So for prospective college students and families, it’s crucial to know which schools award the most aid before applying to college.

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How College Selection Impacts Financial Aid

Posted By: Bay Published: 03/14/2019 Times Read: 1603 Comments 0
How College Selection Impacts Financial Aid

동일한 재정 상태의 두 학생이 각 각 다른 학교를 선택할 경우, 학교 선택에 따라 Financial aid package가 달라질 수도 있다. 즉, 학교 선택 전략에 따라 Free money(Grants, Scholarships)을 더 많이 받을 수 있는데, 이에 대한 요인은 아래와 같이 두 가지로 살펴 볼 수 있다.

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Failing to Plan is Planning to Fail.

Posted By: Bay Published: 03/05/2019 Times Read: 1688 Comments 0
Failing to Plan is Planning to Fail.

학자금 혜택을 최대화하기 위해서는 미리 알고 준비하여야 하는 것이 중요하다.

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What you should consider when choosing a college

Posted By: Bay Published: 01/05/2019 Times Read: 16102 Comments 0
What you should consider when choosing a college

A systematic search for colleges that are the right academic and financial fit for the student and family, as well as a good personality/social fit for the student.

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Useful information you should know for 2019-20 FAFSA

Posted By: Bay Published: 10/16/2018 Times Read: 3044 Comments 0
Useful information you should know for 2019-20 FAFSA

As for financial aid, you can begin applying as early as October 1. If you want to make you eligible of receiving the maximum amount of financial aid, it is important to apply that early. Certain aid is awarded to students who apply the earliest, such as federal work-study dollars and many state and institutional grants and scholarships. There are important financial aid terms you should know to applying financial aid;

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