{"product_id":"debt-is-a-four-letter-word-richard-gutkowski-9780997721607","title":"Debt is a Four-letter Word But it Need Not Be!: The College Experience","description":"\u003cp\u003e\u003cb\u003eYikes! Your child is growing up faster and faster! A teenager now, in a blink or two he or she will be a young adult. Many parents worry about their teen's ability to manage money and coming debt needs. Maybe you're one of them? It can be a scary phase.\u003c\/b\u003e\u003c\/p\u003e\u003cbr\u003e\u003cp\u003eUpdated in 2018, THE COLLEGE EXPERIENCE is the first volume in the ongoing \u003cb\u003eDEBT is a Four-Letter word, But it Need Not Be!\u003c\/b\u003e book series. It's written by a professor with 30+years of experience teaching\/advising young people. He managed grant budgets totaling millions of dollars and provided financial aid to countless students. As a parent, he used his fiscal skills to achieve wise debt management and positive outcomes for his daughter's needs. Together, they \"walked the talk\" of \u003cb\u003eTHE COLLEGE EXPERIENCE\u003cb\u003e. Along the way he caringly taught her fiscal skills and motivated her to use them.\u003c\/b\u003e\u003c\/b\u003e\u003c\/p\u003e\u003cbr\u003e\u003cp\u003eLots of books have been published on the money management needs of a typical lifetime. They're written in third person with broad coverage of strictly monetary aspects. What is unique about this one?\u003c\/p\u003eYour teen isn't facing lifetime needs. He or she is facing the period of anticipating, pursuing and paying for a college education.\u003cb\u003eTHE COLLEGE EXPERIENCE\u003cb\u003e focuses specifically and solely on that stage of life. It's comprehensive and in-depth. Yes, it covers all the monetary matters. But it also covers how a parent and teen can work them out together.\u003cbr\u003e\u003c\/b\u003e\u003c\/b\u003e\u003cp\u003eYour teen's college experience begins before stepping on to a campus. It starts with a heartfelt desire to be accepted into a college that best fits his or her career endeavor and the family's financial means. The path is full of monetary challenges, unknowns to research, emotional trials, and decisions to make. It ends when all the costs of that education are paid. How can you and your teen accomplish that? It can be exhausting. With the guidance and tools provided in \u003cb\u003eTHE COLLEGE EXPERIENCE\u003c\/b\u003e you'll greatly lessen the pressure and time-demands.\u003c\/p\u003e\u003cbr\u003e\u003cp\u003eWritten in narrative style, it describes the fictional experiences of a typical teen (Nicole) and her Dad. It's a story of how she encounters debt as she moves from high school into college and through the college years to graduation. Along the way, balancing encouragement and pragmatism, her Dad guides her through. You'll see how, \u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e●Dad caringly but craftily weans his way into Nicole's comfort zone\u003cbr\u003e●Nicole and her Dad verbally relate to one another\u003cbr\u003e●Dad teaches her concepts, methods, calculations, tactics, and strategies\u003cbr\u003e●Nicole and Dad make all the financial decisions together\u003cbr\u003e●Nicole chooses between Sure Thing University, Hoped For University, and Dream University \u003cp\u003e\u003c\/p\u003e\u003cp\u003eAt the end Nicole and her Dad have managed \u003cb\u003eTHE COLLEGE EXPERIENCE\u003cb\u003e successfully. Following their example, you and your teen can achieve similar results. \u003c\/b\u003e\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cb\u003eTHE COLLEGE EXPERIENCE\u003c\/b\u003e is comprised of 20 chronologically sequenced \u003cb\u003eLESSONS\u003cb\u003e. Within each, arising debt \u003cb\u003eSITUATIONS\u003c\/b\u003e and detailed procedures for monetarily addressing them are described. You see how the debt involved is handled either poorly or effectively. Periodic EXERCISES offer check points for you to confirm understanding of the subject matter. By reading and implementing the content you and your teen will understand \u003c\/b\u003e\u003c\/b\u003e\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e●the federal student loan process and rules and the student and parent pieces of the puzzle\u003cbr\u003e●estimating college costs and comparing financial aid offers\u003cbr\u003e●making and repaying student loans wisely\u003cbr\u003e●consolidating student loans and handling hidden pitfalls\u003cbr\u003e●repaying loans faster - saving lots of interest.\u003cbr\u003e●student loan enemies Nos. 1, 2 and 3 \u003cp\u003e\u003c\/p\u003e\u003cp\u003eAnd, your young adult will walk down the Commencement aisle feeling much less financially overwhelmed than typically happens. You'll watch with a big smile, feeling much more secure about having managed the financial costs!To get there, start by \u003cb\u003eBuying\u003cbr\u003e\u003cbr\u003e\u003cb\u003eAuthor:\u003c\/b\u003e Richard Gutkowski\u003cbr\u003e\u003cb\u003eISBN-10:\u003c\/b\u003e 099772160X\u003cbr\u003e\u003cb\u003eISBN-13:\u003c\/b\u003e 9780997721607\u003cbr\u003e\u003cb\u003ePublisher:\u003c\/b\u003e Richard Gutkowski\u003cbr\u003e\u003cb\u003eLanguage:\u003c\/b\u003e English\u003cbr\u003e\u003cb\u003ePublished:\u003c\/b\u003e 08\/01\/2016\u003cbr\u003e\u003cb\u003ePages:\u003c\/b\u003e 286\u003cbr\u003e\u003cb\u003eFormat:\u003c\/b\u003e Paperback\u003cbr\u003e\u003cb\u003eWeight:\u003c\/b\u003e 1.47lbs\u003cbr\u003e\u003cb\u003eSize:\u003c\/b\u003e 11.00h x 8.50w x 0.60d\u003c\/b\u003e\u003c\/p\u003e","brand":"Richard Gutkowski","offers":[{"title":"Paperback","offer_id":48443829256447,"sku":"9780997721607","price":12.95,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0662\/2982\/9887\/files\/img_c1432e0c-c842-407f-8e8f-7fe78976cd97.jpg?v=1777208139","url":"https:\/\/www.whiterainbookhouse.com\/products\/debt-is-a-four-letter-word-richard-gutkowski-9780997721607","provider":"WR Book House","version":"1.0","type":"link"}