Independently minded publishing

How to Pay for College

A complete financial plan for funding your child's education

By Ann Garcia

Paperback £18.99 / $20.00
eBook £14.99 / $16.00

How to Pay for College

A complete financial plan for funding your child's education

By Ann Garcia

Jacket text

Providing your children with a good education is one of the best gifts you can give.
But it’s not straightforward.

Education costs and student loan debt are skyrocketing. In some cases, college costs upwards of $300,000 for four years. And calculations for financial aid and merit awards are complex and opaque.

How do you find the best education options that fit your budget and are absolutely right for your child? And how do you save for your kids’ college without wrecking your own retirement, or putting your other goals completely out of reach?

Ann Garcia—known as The College Financial Lady—is a CERTIFIED FINANCIAL PLANNER™ and college finance expert, and is here to help.

In How to Pay for College, Ann shows you how to develop a financial plan for college that really works, including:

How to save and how much to save.
How to find good college choices that fit your budget.
How to get scholarships and tax benefits.
How to talk to your kids about the costs and benefits of going to college.

Plus invaluable information and inside tricks to help you crack the college financial challenge.

Detailed explanations of the key elements in planning for college—the FAFSA’s methodology, merit awards, 529 plans, AP credits, student loans, financial aid awards, budgeting, and more—are paired with worksheets and exercises to give you a full picture of your family’s college financial position.

This definitive guide gives you everything you need to give your children the best education possible, at a price you can all afford.

About the author

Ann Garcia, CFP®, has helped thousands of families—including her own—save millions of dollars on college. Ann is the managing partner of Independent Progressive Advisors, a fee-only financial advisor, and the author of The College Financial Lady blog. Ann and her husband, Bob, live in Portland, OR, with their golden retriever. Their twins are away from home attending (affordable) colleges.

Media coverage

From Only Fee-Only:

Early in my career as an advisor, I noticed that clients had so many questions about college—and very few advisors were willing to tackle those questions. Since I kept hearing the same questions again and again (and wanted the answers myself), I started writing down answers in blog format, and The College Financial Lady was… Read more »

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From Monument Wealth Management:

In this episode of Off the Wall, hosts David Armstrong and Jessica Gibbs welcome Ann Garcia, aka The College Financial Lady. Ann is a CERTIFIED FINANCIAL PLANNER™, Managing Partner of Independent Progressive Advisors, and a mother of twin college students. As The College Financial Lady, Ann has helped thousands of students save money on college… Read more »

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From :

Our guest on the podcast today is Ann Garcia. She is a certified financial planner and the author of the book How to Pay for College. Garcia is the managing partner of Independent Progressive Advisors, a fee-only Registered Investment Advisor in Portland, Oregon, and she’s also the author of The College Financial Lady blog. She… Read more »

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Published: 19/07/2022
Pages: 254
Formats: paperback - ISBN 9780857199294
ebook - ISBN 9780857199300
audio - ISBN 0000000000070
Media enquiries

If you’d like to get in touch with the author for interview or comment, or you’d like a review copy of this book, please contact us at or call +44 (0)1730 233870.


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