Developing a system of thought with specialize applied information can get you FREE Financing for college.  So many parents I have worked with tend to have linear thoughts when it comes to financial aid planning.  Linear thoughts lead you to taking out a lot of loans.  You have to change your thought patterns and be unconventional.  Once you learn the rules of  free money, and how it can be applied based on YOUR unique circumstances, then you can apply strategy to get it.  You have to develop a winning philosophy to win free financing to pay for college.