Most Families Lose $20,000–$100,000 in College Aid — Because They Started Planning Too Late

Most families wait until senior year…
By then, they’ve already missed key opportunities for admissions, scholarships, and financial aid.

Who is this for?

🟢 9th or 10th grade → You're in the best possible position. This guide was made for you.

🟡 11th grade → You still have time for the moves that matter most — including ones most families never hear about.

🔴 12th grade → The guide covers senior year, but the financial strategies that save families the most money happen before you get here. Better to start now than wait.

"One client increased her retirement contribution by $3,000 — and her student qualified for over $13,000 more in grants per year. That's the kind of move most families never hear about because no one told them to ask."

In This Free Guide, You'll Learn:

  • Clear Year-by-Year Actions: What your child should be doing each year (9th–12th)

  • Maximize Financial Opportunities: How to avoid costly college planning mistakes

  • How AP/IB credits can save money on tuition — I've seen students graduate in 3 years using this strategy

  • Planning Tips: Early strategies that can impact financial aid eligibility

Created by a college planning expert who has helped 600+ families over the past 13 years

Hi! I'm Lea Cruz

Coaching from experience professionally and personally!

"We wished we would've started sooner.” I’ve heard this countless times in my 13 years specializing in college preparation.

This realization hits hard when they face the complexity of college admissions and college funding—missed opportunities, neglected steps, and a rush to catch up because they thought they had more time. This scenario is precisely what I aim to prevent for you.

The personal story here isn’t just about my experience as a college planner—it’s also about my journey as a parent. Early planning with my own child didn’t just make the college application process seamless; it allowed my child the opportunity to explore interests, build a compelling academic resume, and confidently apply to his dream schools. I am passionate about helping other families replicate this strategy, ensuring that they’re not caught off-guard by admissions competitiveness.

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