Keystone College Planning

Many families face a $50,000 to $100,000 shortfall when college bills arrive.

You need exact numbers before you can act.

Our free college funding-gap analysis compares your current savings to projected costs.

Clients receive a clear report that shows the difference in dollars.

From there, you can adjust contributions, explore aid options, and protect other financial goals.

Comment GAP below if you're interested in learning more!

This week offers the last chance to attend our free college planning workshop this summer!

Register now to secure your spot.

You will walk away with a clear understanding of what you need to consider when planning for the high cost of college.

No pressure. No sales pitch. Just clear steps on making the most of your college ROI.

The session also covers aid forms, merit strategies, and important considerations for increasing your aid eligibility and developing a plan that fits your family.

Bring your questions - and your student if they're available! Register for one of this week's dates here to save your seat: https://keystonecollegeplan.com/live-workshops/

Here’s the scoop: It’s time to celebrate Father's Day!

We wanted to shout out all of the dads, grandfathers, and father figures who make our lives special. We hope that this Father’s Day is filled with quality time, well-deserved rest, and maybe even a couple of dad jokes.

Juneteenth commemorates June 19, 1865, when federal troops arrived in Galveston, Texas, two years after the Emancipation Proclamation, to enforce Abraham Lincoln’s order to end slavery in the rebelling state farthest west

It’s been observed as a day to honor this history and celebrate Black culture and resilience, and it officially became a federal holiday in 2021.

In observance of the holiday, our office will be closed on June 19th. We’ll be back on Monday, June 22nd. We hope you have a meaningful and joyful Juneteenth!

Remote work has accounted for 64% of the increase in unemployment among recent college graduates since 2017:

Employers Are Saying No to Remote Work for New Grads—Except for These In-Demand Jobs Remote work has accounted for 64% of the increase in unemployment among recent college graduates since 2017.

IMPORTANT REMINDER: Starting July 1, the federal Parent PLUS loan program is implementing strict borrowing caps for new borrowers:

• Annual Cap: $20,000 per academic year, per student
• Lifetime Cap: $65,000 total per dependent student

Historically, parents could utilize the PLUS loan to cover the full cost of attendance (though we don't consider this to always be the wisest strategy). However, the new caps will pose two immediate problems for families:

1. An Immediate Shortfall: For mid-to-high-cost institutions, if a family needs to borrow more than $20,000 to cover this upcoming year's tuition bill, they will immediately be short.

2. A Projected Senior-Year Crisis: Families maxing out the $20,000 allowance for the first three years will hit the lifetime cap early, leaving them with a massive funding gap by senior year.

The Strategy Moving Forward:

Families do not need to commit to a loan today, but they must immediately determine if they qualify for viable state or private funding alternatives. Waiting until the summer billing cycle opens will leave under-qualified families with zero runway to pivot. (Note: With current federal PLUS rates at 9.04% interest and a 4.022% origination fee, private/state vetting is a smart move regardless).

This streamlined Private & State Loan Fact Sheet can help map out alternative funding paths: https://pages.collegeaidpro.com/keystone-financial-student-loan-fact-sheet

Heads up: Parent PLUS loans are now capped at $20,000/year and $65,000 lifetime per student.

New 2026+ loans are also limited to Standard Repayment only — no income-driven plans, no PSLF.

If your college bill runs higher than $20K, you'll need a plan for the gap — and we've got you covered! Here's a helpful fact sheet to walk you through the options: https://pages.collegeaidpro.com/keystone-financial-student-loan-fact-sheet

See which college majors carry the most student loan debt:

These 10 College Majors Carry the Most Student Loan Debt Almost half of undergraduate students take out loans, and the median amount of student debt for those students is about $25,084.

Starting July 1, millions of borrowers will need to choose from a new menu of repayment options as the Trump administration enacts major changes to the student loan system. Here's what borrowers need to know:

Student Loan Repayments Are Being Overhauled. What Borrowers Should Know. Starting July 1, millions of borrowers will need to choose from a new menu of repayment options as the Trump administration enacts major changes to the student loan system.

As June marks the midpoint of the year, it can be a natural time to reflect on the first half of the year and the goals you set.

Whether you’re continuing to move toward a current goal or setting a new one, the confidence to get started does not always come before the first step. Sometimes it grows with each one.

As we settle into this month, what is one dream or goal you are ready to pursue with a little more boldness in the second half of the year? Share it in the comments. We would love to hear what you are working toward!