Make Your Child’s Future Dazzling with Florida Prepaid

This post is sponsored by the Florida Prepaid College Board, through my role as a Believer Blogger. All thoughts are my own.

Because our yard is large and has a huge tree-free area, our neighbor uses it every year to stage a pyrotechnics extravaganza (he has a professional license, so it truly is something beyond “sparklers and fireworks picked up at a state border somewhere”).

It takes Bill a long time to set up for the show: getting the license and insurance, spending a day in our yard arranging the various components of the production, etc.

Then, as the new year begins, light, sound and awe fills the air ….. for about 15 minutes.

Another way to spend 15 minutes that involves less explosions and lasts longer is signing your child up for a Florida Prepaid plan. You can even save $25 off the $50 application fee with my special code.

Florida Prepaid Experience

Ignite a Debt-Free Future

Let this sink in for a second: The rate of student loan debt among Americans exceeds $1 trillion. ONE TRILLION DOLLARS. According to the Institute for College Access and Success as cited in Forbes, Florida is among the top 10 states for average student loan debt (with an average of $23,379 per student).

I wish I could tell you that my college senior (yay!) and freshman will be graduating debt-free thanks to their Florida Prepaid contracts. I haven’t managed things that well.

However, they will have less debt than they would have if my parents had not purchased prepaid contracts for them when they were newborns. Best of all, you can avoid the same mistakes our family made by securing your child’s debt-free college education before open enrollment closes next month.

Florida Prepaid Options

Every year, the Florida Prepaid program gets more flexible and adds options that suit almost every family. In my last Florida Prepaid post, I focused on the 1-year Florida University plan.

Other options include:

  • 2-Year Florida College Plan
  • 4-Year Florida College Plan
  • 2+2 Florida College Plan
  • 4-Year Florida University Plan

You can read more about each plan here. (There’s also a dormitory plan.)

But The Start of the Year is So Busy

I know it’s a busy time of year. It’s January 7 and our tree is still up. We have pretty much dropped everything to deal with supporting my mom, who has been hospitalized 2.5 hours away since December 11. We are supposed to have had our house ready to put up for sale three weeks ago. And, especially relevant to the audience reading this, I haven’t done my children’s FASFAs yet.

It’s not overwhelming to apply for Florida Prepaid, though — I promise. In the time our neighbor entertained the whole neighborhood with his incredible show, you can diminish the chance your child will leave college in debt. As a parent who has to explain the prospect of ten years’ of student loan payments to my college senior, I assure you that you don’t want to have to do that.

It’s easy to apply. Like I said, about 10-15 minutes between now and February 28. With my code (GREEN1718). you can save 50% off the $50 application fee.

If you invest in your child (or children) by applying for a Florida Prepaid account, you deserve a treat! Take a chance at winning a $10 Starbucks treat just by learning more and spreading the word. Editor’s Note: The giveaway has ended (congrats Michelle!). Thank you to everyone who entered and helped share the Prepaid message. ~ pk 1/12/18

a Rafflecopter giveaway

Apply soon (but definitely by February 28). It’ll be a dazzling start to the habit of investing in your child’s education and success!Florida Prepaid Experience

Wife of one, Mom of two, Friend of many.

Helping a Child “Become Someone” Through Florida Prepaid

This post is sponsored by the Florida Prepaid College Board, through my role as a Believer Blogger. All thoughts are my own.

My dear friend Jane Anderson wrote a Thanksgiving reflection this year that made me think. Among other observations, she talked about a year when her family decided “to try eating out for Thanksgiving instead of laboring hours in the kitchen for 15 minutes of consuming the results.”

Higher education financing options

My sister-in-law’s lovely table.

Taking steps to ensure a child in your life has the security of Prepaid College Tuition is sort of the opposite concept: spending 15 minutes (often less) now to guarantee years of educational benefits and assurance.

There are several 15-minute investments you can make now that can make a difference in your child’s educational future and make their future more secure.

Explore Choices

In 15 minutes, you can scan the Florida Prepaid options and start to narrow down which one may be best for you. There are five choices:

  • 1-Year Florida University Plan
  • 2-Year Florida College Plan
  • 4-Year Florida College Plan
  • 2+2 Florida College Plan
  • 4-Year Florida University Plan

You can read more about each plan here. (There’s also a dormitory plan.)

Wayne and I are not new to the parenting rodeo, and I’m going to guess that many of you may be in a similar position to us — you have children who are rapidly hurtling toward college. You may not find yourself *quite* as prepared as you’d like to be for their educational needs once they graduate from high school.

The 1-Year Florida University Plan is one I would particularly take the time to note. Designed to provide an extremely affordable prepaid option, it allows purchasers to buy one year of State University credit hours at a time according to their budget and timeline, without feeling the pressure of having to buy all four years at once.

The 1-Year plan, which starts at less than $50 a month, also allows multiple purchasers to buy a plan for the same child.Each purchaser can have their own separate account and a child can have up to four 1-Year Florida University Plans.

Encourage Your Child’s Aspirations

My conversations with my own children, as well as nieces and nephews, at this year’s Thanksgiving gathering were different from previous years. Everyone has grown up. Some childhood dreams have faded while new ones have taken their place.

But no matter the dreams, the pleasure has been hearing their progression over the years.

Mike Massimino, an astronaut who has flown on two Shuttle missions, was the first astronaut on Twitter, and appeared on The Big Bang Theory (he gave Howard his astronaut name), writes in his book about his childhood dreams.

“My world was very small. People didn’t think about leaving Long Island, let alone going to space.” When Massimino visited Columbia University as a high school senior for an admissions interview, he wrote, “…the minute I arrived, I felt like I understood what college was.” He goes on to say, “I had a revelation: This is where people learn. This is where you become someone. I’d never had that feeling before.”

Fifteen minutes go by quickly, but they’re enough to remind a child in your life that they can indeed be someone, and that higher education is within their reach. Higher education financing options

Talk With Family Members About Pitching In

One practical and positive feature of Florida Prepaid Plans is that family members can help. If a relative asks what they can do for a holiday gift, consider talking with them about Prepaid.

I know I would love to give the children in my life the gift of security at a time when so many aspects of our world seem uncertain; this is a gift that promises to be more enduring than a toy or sweater.

As I mentioned above, with 1-Year University plans, four separate people could conceivably each purchase a year contract. There are various configurations and options.

In addition, anyone can make payments or contributions towards a prepaid account.

Enroll in Florida Prepaid

The enrollment process can easily be completed in 15 minutes or less.

Enrollment ends February 28, 2018, but there’s a special incentive for people who enroll by November 30. They will be entered to have their entire contract paid off!

You can also save 50% off your $50 enrollment fee by using the code GREEN1718.

Visit Florida Prepaid on the web or call 1.800.552.GRAD (4723) for more information. 

I’d say 15 minutes is a small investment to make to help a child experience the opportunity to “become someone.”

Higher education financing options

Wife of one, Mom of two, Friend of many.

Florida Prepaid Plans: Enrollment is Open!

This post is sponsored by the Florida Prepaid College Board, through my role as a Believer Blogger. All thoughts are my own.

I was sitting on my daughter, Tenley’s, bed last night chatting, when my eyes fell on this pillow which all the grandchildren in our family had been given for Christmas many years ago.

College Financing

I mentioned how sentimental the pillow made me, since we had just spent the evening at a co-ed shower for my niece, Jessica, who is getting married next month. Between Jessica’s birth in 1989 and my daughter’s birth in 1996, five girls were born to my sisters-in-law Mary and Ann, and I had Tenley. The result was years of girl togetherness, baby dolls, gymnastics meets, dance recitals, fashion discoveries, makeup sessions, sparkles, and smiles. As I stood in various clumps of people last night, each of the girls talked about her 2016 life. They are now a pharmacist, two nurses, a nursing student, and two juniors in college. Each one is remarkable.

Planning Ahead Matters

What is remarkable for my family is that my parents had the foresight to look at the facts when I was still “in the weeds” of the day-to-day costs of having an infant and to purchase a Florida Prepaid College plan for Tenley when she was a newborn (they did the same for my son, Wayne, when he was born in 1999).

Enrollment Is Open!

The Florida Prepaid College Board has launched the 2016-17 Open Enrollment period. This is important: you can only enroll between now and February 28, 2017. After that, you will have to wait until the next enrollment period.

So Many Options!

One thing I love about Florida Prepaid plans is how they are responsive to the evolving needs of today’s families. There are more affordable options now than ever before, and more plan designs that reflect the education financing needs of today’s college-bound students. Here they are:

The 1-Year Florida University Plan (the newest offering)

With this plan, you can purchase one year, or 30 credit hours, at a time according to your budget and timeline, without feeling the pressure of having to buy all four years at once.

The 1-Year Florida University Plan also allows multiple purchasers to buy a plan for the same child (hello grandparents, aunts, uncles, and caring friends!). A child can have up to four 1-Year Florida University Plans.

The 2-Year Florida College Plan

This plan is perfect to set children up with a practical, affordable path to entering their chosen career with an associate’s degree or trade certification.

Every cent of the value of this plan can be applied at any university or college nationwide and is guaranteed by the state of Florida. Purchasers cannot lose the money they put in.

The 4-Year Florida College Plan

There are 28 Florida colleges (such as the one near my home town, Florida Gateway College, which I visited numerous times in my Union County high school career when it was still Lake City Community College) They’ve expanded their capabilities far beyond two-year programs. Most now offer four-year bachelor’s degree programs in growth industries like nursing and teaching, and continue to grow their degree programs year after year.

Since the 28 Florida colleges are typically less expensive than a university education, the 4-year college plan provides a practical, affordable path to a bachelor’s degree.

Every cent of the value of this plan is guaranteed by the state of Florida (this is true for Florida Prepaid plans).

The 2+2 Florida College Plan

By starting your child off at one of Florida’s 28 colleges, you’ll save money on lower-level courses before they transfer to a state university to finish off their degree.

Students with this plan are guaranteed admission to a state university once they’re earned their associate’s degree at a Florida college.

The 4-Year Florida University Plan

The plan starts your child off at one of Florida’s 12 state universities.

If your child decides to start at a college (typically less expensive), the unused funds from this plan can be applied to a post-secondary degree or you can get the remaining money back.

Like all Florida Prepaid plans, use isn’t restricted to Florida schools; the amount covered by your Prepaid Plan can be used at schools nationwide. (Tenley is using hers at Valdosta State University in Georgia, for example.) There are dormitory plan options also.

What Is The Investment?

Here’s some incredible news. The Florida Prepaid Board has worked extremely hard to keep prices near historic lows, and they have succeeded! That’s great for Florida families.

As you can see above, there are more plans than ever, and they are structured in a way that acknowledges the budgeting challenges families face. Plans start at less than $47 a month!

College Financing

For less than $47 a month, a parent or other caring adult can demonstrate their belief in the future by starting a Florida Prepaid Plan. Look at all the potential of the kids in this video, and the hope shared by the adults who want their children’s dreams to soar:

Don’t Let the Application Fee Stand in Your Way!

If you’re like me, you can see the smaller details of life as bigger stumbling blocks than they are. Yes, there is an application fee of $50. But with this code, BLOG1617, you can save 50% off of that fee!

College Financing

Remember the Scholarship Contest?

You read every word I publish, right? Just in case you’re in the minority who do not (wink wink) or you are a new reader, I wrote recently about the opportunity to win one of 10 2-Year Florida College Plans through the Florida Prepaid College Foundation!

There is less than one week left to enter to win! Here are the details:

When: Register between now and October 23

Where: Click here to enter (remember you can enter daily)

What You Can Win: In addition to registering to win one of the ten 2-year plans, when you click on the entry link, you can earn extra entries by answering questions, learning more about saving for college, and sharing on social media. There will also be chances to win a weekly prize.

Eligibility: Open to legal residents in the state of Florida with children or grandchildren between the ages of newborn through 8th grade.

College Financing

About Florida Prepaid

As you think through your family’s options for Florida Prepaid, visit the Florida Prepaid College Plan by clicking here for information. If you prefer to speak with someone by phone, please call 800-552-GRAD (4723).

Little Girls Grow Up

Yes, I got lost in the “overwhelm” of the responsibilities, logistical and financial, of having a newborn (but my parents saw longer term, fortunately). As you can see below, the little girls from the picture on the pillow grew up faster than their family can comprehend. Remember how quickly the time flies, and look into Florida Prepaid as an option for your child or a child you love during this open enrollment period.

College Financing

Tenley and my nieces, December 2015.

 

Wife of one, Mom of two, Friend of many.