Resources & FAQ’s

As your expert college planning consultants, we provide admissions assistance, financial aid search services, and resources for parents and students to prepare for college. Our goal is to get you to your dream college without adding significant student loan debt.

Our Resources:

Destination College, founded and managed by Lora Georgieva, is committed to helping you choose the right college path using our trusted college advisors and consultants to guide your college journey. We have both paid and free resources to assist you and remove the frustration of planning on your own.

What Others Don’t Tell You About College Planning – Author of the book Lora Georgieva

“Let’s Talk About Money” – co-authored by Lora Georgieva

What Others Don’t Tell You About College Planning – Planning List

Online Resources:

Admission Tools:

The Common Application/Coalition Application is an online college application form used by over 900 colleges and universities. It simplifies the admission process by submitting multiple college admission applications using one platform. Instead of filling out the same general information—such as your address, GPA, and extracurriculars— a dozen times, you only submit it once. ·

ACT/SAT Tests

ACT/SAT Diagnostic Test: 1/3 of students end up taking the exam they are not best suited for. Take the diagnostic test below to determine if ACT or SAT is a better fit for you. https://www.satactdiagnostic.com/

ACT – American College Testing

The ACT is an entrance exam used by most colleges and universities to make admission decisions. It is a multiple-choice, pencil-and-paper test administered by ACT, Inc.

The purpose of the ACT test is to measure a high school student’s readiness for college and provide colleges with one common data point that can be used to compare to all other applicants. College admissions officers will review standardized test scores alongside your high school GPA, the classes you took in high school, letters of recommendation from teachers or mentors, extracurricular activities, admissions interviews, and personal essays. How important ACT scores are in the college application process varies from school to school.

Overall, the higher you score on the ACT and/or SAT, the more options you will find for attending and paying for college.

SAT – Scholastic Assessment Test

The SAT is an entrance exam used by most colleges and universities to make admissions decisions. The SAT is a multiple-choice, pencil-and-paper test created and administered by the College Board. The purpose of the SAT is to measure a high school student’s readiness for college and provide colleges with one common data point that can be used to compare all applicants. College admissions officers will review standardized test scores alongside your high school GPA, the classes you took in high school, letters of recommendation from teachers or mentors, extracurricular activities, admissions interviews, and personal essays. How important SAT scores are in the college application process varies from school to school. Overall, the higher you score on the SAT and/or ACT, the more options you will find for attending and paying for college.

 

* Superscore Colleges – a list of schools that do and don’t superscore. Your superscore is the average of your best scores from each subject from multiple test attempts. Your superscore is never lower than a single Composite score.

Scholarship/Financial Aid Tools:

FAFSA Filing: FAFSA stands for Free Application for Federal Student Aid. The application will qualify you for federal, state, institutional grants, need-based scholarships, work-study, and government loans.
Steps to file FAFSA:

  1. Create an FSA ID- https://studentaid.gov/fsa-id/create-account/launch  You will need to create one FSA ID for the student, and one for the parent.
  2. Use the link to file FAFSA. https://studentaid.gov/h/apply-for-aid/fafsa

CSS Profile Form:  The CSS Profile is an online financial aid application used by nearly 400 colleges and scholarship programs to award non-federal aid. (For federal aid you must complete the FAFSA, available Oct. 1 at www.fafsa.ed.gov.) Some colleges may require the CSS Profile from both biological/ adoptive parents in cases of divorce or separation.

Steps to file the CSS Profile Form:

  1. Sign-in — Use your College Board username and password or sign up for a new account. If you created an account for the SAT or to view your PSAT or AP scores, you should use the same username and password for your CSS Profile application.
  2. Complete the Application — Use the link to complete the application: https://cssprofile.collegeboard.org As you answer questions, the system builds an application tailored to your family’s situation.

Scholarship Search: Many students avoid this very important step. By the time they submit their college applications and financial aid forms, they are exhausted from submitting applications. The only way to receive more scholarships is to apply for more scholarships. We find the scholarship engine below very efficient because you can select to apply for local and national scholarships. https://www.goingmerry.com/

Case Studies

A.H.'s parents hired me to help A .H. with college planning . After a review of her college list, I suggested completely modifying the list. She initially selected mostly public in - and out -of-state universities. I shared with her that based on her high achievements and parent ’s income bracket, she would be better off
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A.H.'s parents hired me to help A.H. with college planning. After a review of her college list, I suggested completely modifying the list. She initially selected mostly public in- and out-of-state universities. I shared with her that based on her high achievements and parent’s income bracket, she would be better off applying to selective private colleges. In the beginning, she was intimidated by the prestigious rankings and extremely high cost of attendance. She simply didn't believe she could make it there, and even if she did, she was terrified of becoming a financial burden to her parents. After completing the college applications, essays, and financial aid applications, A.H. was admitted to all of her college choices. Most of them even offered to pay her to attend their institution. If she stayed with her original college list, her parents would have borrowed $40,000 a year. The comparison is $120,000 in debt vs $300,000 in scholarships/grants.
Local Scholarships - Most students lose their motivation to apply for additional scholarships once they get admitted to their desired college. T.Q. was a student who was determined to cover the total cost of her college education on her own, without the financial support of her parents. I helped her find many local and national scholarship opportunities ...
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Local Scholarships - Most students lose their motivation to apply for additional scholarships once they get admitted to their desired college. T.Q. was a student who was determined to cover the total cost of her college education on her own, without the financial support of her parents. I helped her find many local and national scholarship opportunities and she applied for more than 50 scholarships. She didn't win every one of them, but getting scholarships is a numbers game. She won a total of $15,000 which helped her tremendously to meet her goal of paying for college on her own.
Corrections That Make a Difference 1. Student A. was admitted to the University of Southern California . His parents were quite shocked when they received A .'s financial aid award from the university, and it showed they would owe almost $70,000 for his freshman year. After looking at the bill, A. was convinced he
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Corrections That Make a Difference 1. Student A. was admitted to the University of Southern California. His parents were quite shocked when they received A.'s financial aid award from the university, and it showed they would owe almost $70,000 for his freshman year. After looking at the bill, A. was convinced he would have to attend community college due to the high cost. A.'s parents owned their own business and had experienced a business loss of $150,000. Their income was not even 0, it was negative. A's mom decided to reach out to me because she saw one of my social media posts. She was quite skeptical that I could help her son. She had already reached out to the financial aid office at USC and they told her there was nothing that could be done. After I reviewed A.'s student aid report from FAFSA and CSS Profile form, I realized the CSS Profile form incorrectly showed their business loss as income instead of as a loss. The system based the calculations on an income – not a loss – of $150,000. I drafted an appeal form to the financial aid office describing the CSS Profile form had an error and they should re-evaluate A.'s financial aid offer. The result was A. attending his dream college because the remaining balance of $60,000 was covered by the university. 2. Retirement rollover - I often get to share tears of joy with the families I work with after successfully executing their student’s college plans. But this time, the mom of a student was in tears of sorrow because she simply couldn't afford her child's college education while earning $35,000 annually. I carefully reviewed her child's student aid report and realized when she used the Data Retrieval Tool, the system transferred her retirement rollover as an addition to her income. We were able to correct that with the financial aid office of the university and her son was able to attend college. It is troubling to me that many students who are using the Data Retrieval Tool don’t know they may be disqualified for financial aid if their parents had retirement rollovers that year. I thought I would do everyone a favor by addressing that issue with the Department of Education and my local congressman. Unfortunately, 7 years later, that issue is still not resolved. But I've been able to help families who are in the same circumstances receive what they are eligible for by finding this error and helping them correct it.
Finding the path to success- Most students are not 100% sure about their major and college choices. High school student S.D. was absolutely certain about one thing - college was not for him and he needed full-time work to help his single mom with the bills. When his father hired me, I promised I would do my absolute ...
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Finding the path to success- Most students are not 100% sure about their major and college choices. High school student S.D. was absolutely certain about one thing - college was not for him and he needed full-time work to help his single mom with the bills. When his father hired me, I promised I would do my absolute best to motivate S.D. to go after his full potential. Four years later I bumped into his father at a concert. His father was so appreciative, because his son graduated with an Engineering degree and just bought his first house right out of college.
The impossible way to Harvard - Imagine this scenario : A refugee from Sudan who went through harsh obstacles of survival, spoke only broken English, and had a community college GPA of 2.7.... yes, a 2.7 GPA ! I will never forget this student because his drive to succeed had a bigger influence on me than
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The impossible way to Harvard - Imagine this scenario: A refugee from Sudan who went through harsh obstacles of survival, spoke only broken English, and had a community college GPA of 2.7.... yes, a 2.7 GPA! I will never forget this student because his drive to succeed had a bigger influence on me than my assistance in getting him admitted to Harvard. I’ve worked with many students and this Sudanese refugee, who witnessed his family being killed, let this tragic event became his purpose to fight for freedom and justice for his country. I have been blessed to help him with his college admission essay. As a result, he got admitted to Harvard undergraduate and Law school. He is already working with diplomats on legislative changes to create his revolutionary legacy.
Appealing the admission decision A student of mine had a desire to attend the Kelley School of Business at Indiana Bloomington. He was initially admitted with a pre-business major which he almost settled on as his decision. I advised him to proceed with an admission appeal for a chance to get directly admitted to the Kelley School of ...
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Appealing the admission decision A student of mine had a desire to attend the Kelley School of Business at Indiana Bloomington. He was initially admitted with a pre-business major which he almost settled on as his decision. I advised him to proceed with an admission appeal for a chance to get directly admitted to the Kelley School of Business. After helping him with the draft of the appeal, we received a response that he has been directly admitted to the Business school. "Congratulations! Based on a comprehensive review of your materials, you have been granted Direct Admission into the Kelley School of Business at Indiana University Bloomington. You should be very proud of this accomplishment! We are delighted to welcome you to the entering Direct Admit class. We know that you will be a great contributor to Indiana University and the Kelley School of Business."
Negotiating cost of attendance - Lora Georgieva, owner of Destination College and Certified College Planner, was able to help a high school senior negotiate the cost of attendance with Johns Hopkins University by receiving an additional $200,000. I was hired to negotiate college costs by a middle -income family who had a child going to Johns Hopkins University
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Negotiating cost of attendance - Lora Georgieva, owner of Destination College and Certified College Planner, was able to help a high school senior negotiate the cost of attendance with Johns Hopkins University by receiving an additional $200,000. I was hired to negotiate college costs by a middle-income family who had a child going to Johns Hopkins University. When their student was originally admitted to her dream university, Johns Hopkins, they assured her cost would not be a barrier to attending the university. During the orientation session, they explained that because of their abundant endowment funds, they became a no-loan university for low- and medium-income families. When she later received a bill for over $50,000/year, however, the student felt she was misled. Tuition now became a barrier as her soon-to-be retired parents realized they would have to pay $50,000/year without having a college savings plan or anything saved for their retirement. After multiple attempts to appeal the financial aid award, the university gave her $28,000 over 4 years. Even with that additional aid her parents couldn't afford to send her to college. After continued negotiations with the financial aid office, they awarded her an additional $28,000 over 4 years ($56,000 total over 4 years). My clients were extremely happy with the result, but I wasn’t. I continued researching why they wouldn’t keep their promise of making college affordable for her, especially after the generous $6.5 billion dollar donation of Michael Bloomberg. To our surprise, the very next day, my student received an email from Michael Bloomberg that her tuition is paid for. Then I decided to reach out to Michael Bloomberg, who was a generous donor to the university, and describe her circumstances. I created a draft letter and had the student email it directly to Michael Bloomberg. My clients thought I had absolutely lost my mind. To our great surprise and delight, Mr. Bloomberg immediately responded and helped pay for her education with additional funds. Special note. When a university sends a financial aid award, it is really their first offer. You can counteroffer that. That has been the case while I was helping multiple students admitted at public universities such as Miami and Ohio, and private universities such as DePaul, Redlands, and Lake Forest College, to name a few. The additional funding after the negotiation exceeded $8,000 with most universities. You have nothing to lose by trying to negotiate the skyrocketing cost of college.

Working with College Consultants Pays Off

Destination College offers resources, consultation, and tools to assist with a student’s preparation for college. Our goal is to get you to your dream college without adding significant student loan debt. We

will exhaust all options to find the right fit, school, and financial circumstances to make that dream a reality. Call us today to learn more about the journey to college acceptance.

FAQ

Frequently Asked Questions

Interesting Statistics and Facts:

  • Increase in tuition and fees in the past 20 years – -Tuition and fees at private national universities have jumped 134%. Out-of-state tuition and fees at public national universities have risen 141%. In-state tuition and fees at public national universities have grown the most, increasing 175%.
  • Destination College average savings per student: $120,000 over 4 years while in college
  • Destination college scholarships won: $18 Million +
  • 5X Higher acceptance rate
  • Destination College experience: 13 + years of college planning experience, Certified College Planner, experience in financial and tax planning, Destination College associates include former Ivy league admission advisors and tax and financial planning experts.