Tuition Arbitrage - Hybrid Tuition Arbitrage is a type of Banking solution that deals with preparing for university tuition . This solution that is a unique combination of GPS debt technology and a special kind of index universal life insurance, POLI (Private Owned Life Insurance), a type of BOLI for any American adult or family. Early debt payoff, interest elimination and turning liabilities into income and wealth.
- Accelerated Debt Payment: The technology acts like a GPS, directing funds in the most efficient way to pay off debts earlier than the standard term. It can reduce the interest paid and help users to become debt-free more quickly. This is akin to the snowball or avalanche methods of paying off debt, but it's driven by AI and algorithms. The technology integrates with the IUL, enhancing the policy’s characteristics based on the changes of the IRS codes 7702 and 101a in the Cares Act 2020.
- Using Index Universal Life Insurance (IUL) for Banking Purposes: This is an advanced financial strategy that goes much further than the "Infinite Banking Concept" or "Bank on Yourself." With an IUL, there's potential to earn tax free interest based on index market performance without the risk of losing principal. Furthermore, policyholders can borrow against their IUL cash value, effectively "banking" with their policy. The idea is that instead of paying interest to a bank, lender or even the life insurance company, they're not paying back the loan, they are paying off debt in record time, overfunding the IUL with the policy owners liabilities and theoretically earning the interest on themselves.
- Tax Advantages: One of the key benefits of an IUL is its tax-advantaged growth. Earnings within this policy are not taxable. Furthermore, loans against the policy typically aren't considered taxable income.
Education is an enriching and empowering experience that enables us to achieve our goals. Over the past century, it has become increasingly essential for success in the job market. Sending children to college is a dream of many parents, but this vision can be a nightmare for those without proper planning.
We Can Help
You know why college is important. You might even have kids who are planning to go to school. Furthermore, you’re concerned about the price tag of tuition at a four-year state university or professional school. And with good reason: the average cost of tuition and fees at a public college rose faster over the last five years than the rate of inflation, according to CollegeBoard.
Tuition Arbitrage can be complicated. As a parent, saving for your children's future may seem impossible. At the end of the day, you want to make sure they get the best education possible, but you also want to make sure they don't feel like they can’t pursue other life goals because they're maxed out on their student loans.
Life in the real world is not ideal, but making an effort to save for college costs can be achieved. But as easy as it is to feel overwhelmed, you've got this!
Financial experts across the country have developed solutions that help to provide insight into college tuition funding and working towards a child’s higher education without being burdened by student loan debt.
We want to explore the issue of student loans and help you find solutions that work for your family so that you can avoid taking out loans for your child(ren)’s education.
We can help with simple college planning tools that let you pay off tuition without sacrificing other important life milestones like retirement or buying a house.
Young people are out there looking to make their mark on the world, but how can they do that without any student loan debt? That’s a question that parents have been asking for generations as well. The cost has affected their ability to pursue education after high school. Students have to choose between going to college and paying the rent. Even worse, they have to decide between buying groceries and paying the tuition fees.
Tuition Arbitrage - The Cost
Higher education is essential, but the cost of tuition is not. Education is needed for a better life but it comes at a cost. Education can cripple you with debt.
Many parents have been struggling with the high cost of higher education and the cost of college is getting harder to handle. The costs have gone up and become more expensive year after year. It is hard for people to find a way to pay for their children’s college.
For many families, the expense of sending children off to college is beyond their means - too high for their budgets and straining their ability to save for retirement. The average cost of college at private colleges is $31,231 per year and $9,139 for state residents at public schools.
The cost of higher education can actually be a barrier to your kids going to college. Socking away hard earned money is not easy and can be quite difficult depending upon your financial situation.
Students are increasingly concerned about financing their higher education. Many rely on student loans to pay for part or all of the cost of tuition and fees, but these loans can present significant challenges in the years that follow. You could end up struggling financially in the future. In fact, getting out of debt just to pay student loans can take more than 20 years!
Student loan debt is a major concern for families today. At over $1.4 trillion, it’s the second highest debt in the United States, only surpassed by mortgage debt. And then financial aid and student loans are not enough to cover the cost of college tuition, forcing students to rely on loans and work-study programs.
Saving For Tuition Arbitrage
As parents, we want the best for our children, and that includes a quality education. However, expenses are so high that some students take out student loans to pay for school. This can put educational advancement, and financial progress in danger.
For many families, the expense of sending children off to college is beyond their means—too high for their budgets and straining their ability to save for retirement. This can affect your savings, especially if you’re living paycheck-to-paycheck, with little or no emergency savings, depending on current income to make future payments.
Not having enough money to send your child to college is depressing but, the security and future success is suddenly, one step away from you.
There is no doubt that saving for your child’s college education can be extremely difficult. Investing in your child’s future can feel overwhelming. Online, you’ll find articles from experts covering every aspect of college finances from how to evaluate a college to how much you should save for college and how to pay for it all. It’s important that your child has the chance to make life choices after graduating high school, so start making plans now by reading the online resources available to help your family succeed in College Tuition Funding.
A Holistic Plan
You need a plan if you want to save money for your children’s college tuition. A bad plan will cause you headaches and stress for a long time. Create a simple and holistic plan that makes saving money for your children’s higher education both tangible and attainable. It's like working out at the gym, if you don't set goals, you won't get results.
So, If you're starting to worry about student loans, you need a financial wellness plan.
Making a plan to save money for college can be a challenging and time-consuming process. With the right information, it is possible to make results much easier and faster.
If you want your children to get a good education, you need to start saving money for them now. That may sound like common sense, but it isn’t the only thing you need to consider when it comes to planning for their future.
You should avoid student loan debt. That sounds like a non-existing concept in today’s world. However, despite huge debts being faced by students upon graduating from university, there are ways to get a good education without being crushed under an avalanche of student loans.
The increasing prices of higher education have made it for some to be impossible to receive a college degree without going into debt. This is unfortunate, because it is far from the case. In fact, there are many helpful tips and step-by-step programs available for students who want to manage their money without having to take out loans.
The way to tackle this problem is multifaceted. Paying for a college education and reducing student loan debt is never easy, but there are solutions. There are ways to ensure you can pursue your dreams while still paying tuition comfortably.
Smart Solutions Designed To Help Families
A simple way to save for future education expenses and reduce your stress about paying for college is through our solution “Tuition Arbitrage”, which turns your debt to income and wealth.
We believe one of the best ways to save money for your children's college tuition is by harnessing the power of compound interest. It is the single most effective tool for saving money for college, and today we're going to show you how to harness that power so you can give your kids the best shot at getting a good education.
Our company helps families create a practical financial strategy that allows parents to save money for their children’s college tuition while ensuring they’ll be able to retire comfortably without student loan debt.
We are a team of financial advisors who provide smart solutions designed to help families save money for their children’s college tuition, enjoy a secure and healthy retirement, live life to the fullest, and achieve financial freedom. Our firm helps families overcome the challenge of saving for their children’s college education. We help parents develop a suitable financial strategy that guides them through saving for both goals.
Our goal is straight forward. Help people feel more financially secure in the near term and throughout their long-term retirement years. We want to be clear from the start, we are on a mission to help people feel great about the future regardless of where they are on their financial journey.