731. FINANCIAL AID HORROR STORIES

731. FINANCIAL AID HORROR STORIES

Author: Amy Seeley & Mike Bergin June 2, 2026 Duration: 24:32

Getting into your top choice college may feel like a dream come true, but figuring out how to pay for it can turn into a nightmare, especially when you don't know what you're doing. Amy and Mike invited financial aid expert Howard Freedman to recount some financial aid horror stories.

What are five things you will learn in this episode?

  1. How can transferring assets to reduce assisted living costs hurt a student?

  2. How can failing to report reportable assets on a financial aid form reduce financial need?

  3. What is the impact of grandparents giving money to their grandchildren for college?

  4. How can failing to establish accountability lead to family stress?

  5. How can getting a jump on financial aid forms turn into a timely mess?

MEET OUR GUEST

Years after founding Financial Aid Consulting, Howard Freedman was recruited to oversee the ACCESS Program at Boston Public Schools. This position broadened his experience by providing financial aid services and scholarships to over 2,700 high school seniors at more than 20 schools. Consequently, he received a citation from the Massachusetts House of Representatives. 

He graduated from the College Board's Financial Aid Institute and completed ongoing training with experts from college financial aid and admissions departments. This helped me gain a better understanding of how these organizations are taught and operate. 

He was a member of the Massachusetts School Counselors Association (MASCA) and the Massachusetts Association of Student Financial Aid Administrators (MASFAA), where he connected with college representatives and guidance counselors to gain diverse perspectives on higher education and student support. Howard assumed leadership roles in professional organizations while also becoming a public speaker and author for national publications on general topics and college-related issues. A substantial collection of his articles and podcasts is available at Financial Aid Consulting. He is also a highly regarded author of three editions of Making College Happen. 

For over twenty years, he has consistently empowered his clients by teaching them how to make objective decisions to evaluate the most affordable colleges and other forms of career development. He is also an author, comedian, podcaster, financial analyst, public speaker, and friend to his clients.

Howard can be reached at Financial Aid Consulting.

LINKS

Making College Happen: An insightful guide to making savvy financial decisions and cutting college costs

RELATED EPISODES

BUSTING MYTHS ABOUT HOW TO PAY FOR COLLEGE

WHAT DO FEDERAL POLICY CHANGES MEAN FOR FINANCIAL AID?

FIRST IMPRESSIONS OF THE BETTER FAFSA

WHAT IS THE CSS PROFILE?

ABOUT THIS PODCAST

Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page.

ABOUT YOUR HOSTS

Mike Bergin is the president of Chariot Learning and founder of TestBright, Roots2Words, and College Eagle. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, get in touch through our contact page.

 


Navigating the complex world of college admissions can feel like a maze with ever-shifting walls. Tests and the Rest: College Admissions Podcast, hosted by Amy Seeley and Mike Bergin, serves as a reliable guide through that maze. Instead of generic advice, their conversations delve into the nuanced realities of testing, admissions strategies, learning differences, and broader educational trends. They bring in leading experts to provide depth and clarity on the issues that matter most right now. Whether you're a parent trying to support your student, a counselor shaping guidance, or an educator within the system, this podcast offers substantive discussion that goes beyond the surface. Each episode aims to demystify the process, offering practical insights and thoughtful analysis. You'll hear honest talk about standardized tests, application essays, financial aid, and the many factors that shape decisions on both sides of the admissions desk. For anyone invested in understanding the journey to higher education-from students to consultants-this is a vital resource. Tune in for a consistently informative and straightforward take on an industry that affects so many futures.
Author: Language: English Episodes: 50

Tests and the Rest: College Admissions Podcast
Podcast Episodes
720. WHAT MOTIVATES STUDENTS IN TEST PREP? [not-audio_url] [/not-audio_url]

Duration: 31:18
It's been said that pain in life is inevitable, but we can choose whether to suffer the pain of discipline or the pain of regret. How can we help learners make the right choice when enthusiasm or available time wanes? Am…
719. IEC PROFILE: Brooke Daly [not-audio_url] [/not-audio_url]

Duration: 16:17
Ready to learn the history, philosophy, and practice of an experienced independent educational consultant? MEET OUR GUEST Meet Brooke Daly. Brooke is the founder and CEO of Advantage College Planning, a nationally recogn…
718. IEC PROFILE: Sarah Abaza [not-audio_url] [/not-audio_url]

Duration: 16:37
Ready to learn the history, philosophy, and practice of an experienced independent educational consultant? MEET OUR GUEST Meet Sarah Abaza. Cairo-based Sarah Abaza founded Quest Consulting to help international students…
717. IEC PROFILE: Ingrid Latham [not-audio_url] [/not-audio_url]

Duration: 17:12
Ready to learn the history, philosophy, and practice of an experienced independent educational consultant? MEET OUR GUEST Meet Ingrid Latham. Ingrid has been advising students on the college process since 2004. She enjoy…
716. IEC PROFILE: Steve Tapper [not-audio_url] [/not-audio_url]

Duration: 16:27
Ready to learn the history, philosophy, and practice of an experienced independent educational consultant? MEET OUR GUEST Meet Steve Tapper, who serves clients nationwide through Tapper College Counseling. Steve obtained…
715. IEC PROFILE: Beth Kraemer [not-audio_url] [/not-audio_url]

Duration: 18:36
Ready to learn the history, philosophy, and practice of an experienced independent educational consultant? MEET OUR GUEST Meet Beth Kraemer. Beth is the co-founder of In College Consulting and has spent more than a decad…
714. EXTEMP WITH AMY & MIKE: March 2026 [not-audio_url] [/not-audio_url]

Duration: 30:52
The Tests and the Rest podcast consistently focuses on exploring important topics in testing, admissions, education, and learning with amazing expert guests. Sometimes, though, we enjoy an unstructured opportunity to dis…
713. THE IMPACT OF DIVORCE ON COLLEGE ADMISSIONS AND FINANCIAL AID [not-audio_url] [/not-audio_url]

Duration: 25:05
While the pain divorce can cause everyone involved is well known, less understood are the problems that only pop up when the FAFSA is due. Amy and Mike invited college financial prep expert Vicki Vollweiler to explain th…
712. HOW BUSINESS-MINDED STUDENTS CAN STAND OUT IN COLLEGE ADMISSIONS [not-audio_url] [/not-audio_url]

Duration: 30:29
College admissions is serious business, doubly so if you want to study business at a selective institution. Fortunately, the very traits that presage corporate or entrepreneurial success contribute mightily to the applic…