College Funding Options

How are we going to pay for college?

Whether your child is in kindergarten or already filling out applications, that question probably crosses your mind more often than you’d like to admit.

Tuition keeps rising
Financial aid feels unpredictable
And student loans? They’re the fastest-growing form of family debt in America

You want to give your child every opportunity, but not at the cost of your own retirement or peace of mind.

The good news? There are smart, affordable ways to plan for college without sinking into debt.

👥 Who This Is For

Parents of Young Children

You’re thinking ahead. You know the earlier you start, the better, but you’re not sure where to begin.

We’ll help you explore:

Tax-advantaged savings plans
Life insurance-based savings strategies

Plans that don’t hurt your financial aid eligibility down the road

Parents of Middle or High Schoolers

College is getting close. Maybe you feel behind. Maybe you’re not sure how much time you have to plan.

It’s not too late.

We help you:

Understand what financial aid may cover—and what it won’t
Plan for tuition, books, and housing
Set up savings tools that work with your timeline, not against it

Families Worried About Loans

If you’ve seen friends or family burdened by student loan debt, you know what’s at stake.

We show you how to:

Avoid over-borrowing
Keep your child out of lifelong debt
Protect your own retirement while helping them succeed

Common Questions We Hear

“Isn’t it too late to start saving?”
“Are 529 plans the best option?”
“What if we don’t qualify for financial aid?”
“How do I save for college and still save for retirement?”
Can life insurance really help with college costs?”

NVY Group Helps You understand and choose from real, flexible strategies like:

529 College Savings Plans

Tax-free growth and withdrawals
Can be used for tuition, books, housing, and more
State-specific options available

May affect financial aid eligibility (we explain how)

Indexed Universal Life (IUL) Insurance

Build tax-advantaged cash value that can be used for tuition
No impact on FAFSA (doesn’t count as an asset like a 529)
Doubles as long-term protection for your family

Provides flexibility even if your child doesn’t go to college.

Tax-Free Savings Plans

Customized savings accounts with long-term growth potential
Designed to preserve access to grants and aid
No strict usage rules like 529 plans
Often used alongside or in place of traditional savings tools

Financial Aid-Friendly Planning

Learn how savings, income, and assets affect aid
Avoid disqualifying yourself from thousands in potential grants
Structure your savings to maximize eligibility and minimize debt

WHAT YOU REALLY WANT

You want to know:
- Your child will have options, not obstacles
- You can afford to help, without draining your own future
- You’re doing everything possible to give them a strong start
Your plan will work whether they go to college, trade school, or take another path

WHY FAMILIES TRUST NVY GROUP

We’re licensed, independent, and focused on education-first guidance

We explain everything in plain English, no jargon, no guilt trips

We offer solutions that fit your budget and timeline

We’ve helped families just like yours start where they are—and build a better future

Whether you’re starting early or playing catch-up, our goal is the same:

Help your child graduate without debt—and help you sleep better at night.

Let’s build a plan that makes college affordable without sacrifice or stress.

In this session, we’ll:

- Review where you are financially
  - Explain your savings and funding options
  - Show you how to structure a smart, flexible plan
  - Make sure you’re on track—whatever your child’s age

You want to give your child the best shot. Let’s make sure you can afford to do that—without regret later.

🎓 Let’s Turn Their Dreams Into a Debt-Free Reality

College planning doesn’t have to be scary. With the right strategy and support, you can give your child a strong start. and protect your own future too.

We look forward to the opportunity to learn about your unique situation and explore how We can help secure your financial future while empowering you with the knowledge to make confident decisions.

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GET STARTED TODAY

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No cost · No pressure · Honest Medicare guidance

D-U-N-S #:13-195-8216

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day / 7 days a week, to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or Initial Enrollment Period. Not connected with or endorsed by the United States government or the federal Medicare program.

NVY Group complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. ATTENTION : Si vous parlez français, des services d’aide linguistique vous sont proposés gratuitement.