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LATER WE WILL TELL YOU HOW
EASY IT IS TO BRING YOUR I
PAD INTO THE BATHROOM.
IT IS CALLED THE COMMODE
CADDIE.
HOW DO YOU DO THAT?
THE BEST WAY TO BOOST YOUR
SON'S OR DAUGHTER'S
FINANCIAL AID BEFORE THEY
HAD OFF THIS SUMMER.
STAY WITH US.
♪♪
FFERENT;
HOW WE GETHERE IS NOT.
WE'RE AMERICANS.
WE WORK. WE PLAN.
AMEPRISE ADVISORS CAN HELP YO
LIKE EY'VE HELPED MILLIONS OF OTHERS.
TO HELP YOU RETIRE YOUR WAY, WITH COIDCE.
♪ ♪♪
HAT'S WHAT AMERIPRISE FINANCIAL DOES.
THAT'S WHAT THEY CAN DO WITH YOU.
LET'S GETO WORK.
ARIPRISE FINANCIAL. MORE WITHIN REA.
We used to live with a bear.
[Growl]
We'd always have to go everywhere with it.
Get in the front. We drive.
It was so embarrasing that we just wanted to say, well,
go away. Shoo bear.
But we can't rlly te bea
Then one day, it was just gone.
Mom!
[Aouncer] You are how you sleep.
Tempur-Pedic.
THAT MAKE ME SMILE.
SPENDING DAY WI MY NIECE.
I DON'T USE SUPER POLIGRIP FOR HOLD
BECAUSE MY DENTURES FIT LL.
BEFORE THOSE LITTLE PIECES WOULD GET IN BETWEEN
MY DENTURES AND MY GUM AND IT WAS UNCOMFORTABLE.
EVEN WELL-FITTING DENTURES LET IN FOOD PARTICLES.
SUPER POLIGRIP IS ZINC FREE.
WITH JUST A FEW DABS,
IT'S CLINICALLY PROVEN TO SEAL OUT MORE FOOD PARTICLES
SO YOU'RE MORE COMFORTABLE AND NFIDENT ILE YOU EAT.
SO IT'S NOT ABOUT KEEPINMY DENTURES IN,
IT'S ABOUTEEPING THE FOOD PARTICLES OUT.
[ Charlie ] TRY ZINC FREE SUPER POLIGRIP.
THANK YOU.
WE'RE NOT IN LONDON, ARE WE?
NO. WHY?
APPARENTLY MY DET CARD IS.
I KNOW.
DON'T WORRY, WE HAVE CANCELLED YOUR OLD CARD.
GREAT. THANK YOU.
IN ADDITION TO US MONITORING YOUR ACCOUNTS
FOR UNUSUAL ACTIVITY,
OKAY.
[ Female Announcer ] AT WELLS FARGO WE'RE WORKING
AROUNTHE CLOCK TO HELP PROTECT YOUR MONEY
AND FINANCIAL INFORMATION.
HERE'S YOUR TEMPORARY CARD.
HOW WAS LONDON?
[ Female Announcer ] WHEN PEOPLE TAL
GRT THINGS HAPN.
GERRI: MILLIONS OF DOLLARS
IN FINANCIAL AID GO AND
SPEND EVERY YEAR AND HOW TO
NEGOTIATE A BETTER PIECE OF
THE PIE.
GERRI: YOU KNOW COLLEGE
TUITION SKYROCKETING 570%
INCREASE OVER THE PAST THREE
DECADESSAND TO MAKE MATTERS
WORSE EXPERTS SAY MILLIONS
OF DOLLARS OF FINANCIAL AID
MONEY GOES UP AND USED EVERY
YEAR BECAUSE FAMILIIS DON'T
GET EVERYTHING THEY ARE
ELIGIBLE FOR.
HOW DO YOU DO THAT?
MY NEXT GUEST JOINS ME NOW.
I WAS SHOCKED IN YOUR NOTES
TO REACH 53 PERCENT OF
PEOPLE WHO WOULD BE ELIGIBLE
NEVER EVEN FILL OUT THE
FORMS.
WHY IS THAT?
>> IT IS EXTRAORDINARY.
THEY BELIEVE THEY WILL GET
THE MONEY WHICH IS NOT TRUE
THEY JUST HAVE TO FILL OUT
THE FAST OF.
>> THE MAGIC FORM IS THE
FAFSA FREE APPLICATION FOR
FEDERAL STUDENT AID AND YOU
CAN GET ON LINE AND IT IS
ALL DONE ONLINE IT IS NOT
THAT DIFFICULT TO FILL OUT
AND WHAT EVERY COLLEGE AND
SCHOOL USES TO DETERMINE HOW
MUCH FINANCIAL AID YOU ARE
ELIGIBLE FOR.
THEY TAKE WITH THE FAMILY
CAN CONTRIBUTE AND THE
DIFFERENCE BETWEEN THAT AND
TUITION IS HOW THEY COME UP
WITH THE NUMBER FOR
FINANCIAL AID.
IF YOU DON'T FEEL WITHOUT
YOU DON'T KNOW.
GERRI: GREAT ADVICE BECAUSE
FREE MONEY IS A GOOD THING.
BUT TUITION DISCOUNTS ARE
GOING UP AND ONE OF THE FEW
BRIGHT SPOTS OF THIS WHOLE
CONVERSATION IS 45% IS THE
PROPORTION OF THE FRESHMEN
THAT WILL GET SOME KIND OF
MONEY ATTENDING PRIVATE
COLLEGE.
PEOPLE HAVE TO GET ON THE
STICK TO GET THIS MONEY?
>> YES.
THEY HAVE TO BE WILLING TO
SPEAK TO THE SCHOOL AND NOT
AFRAID TO ASK FOR THE
RE-EVALUATION OR APPEAL
FINANCIAL AID.
FINALLY, THE SCHOOLS ARE
REALIZING STUDENTS AND
FAMILIES CANNOT AFFORD THE
CRAZY TUITION BILLS SO
THEY'RE LOOKING TO HELP
STUDENTS ACTUALLY AFFORD TO
SCHOOL.
GERRI: FAFSA IS THE FIRST
TIP.
THEN KNOW YOUR AID PACKAGE.
WHAT YOU MEAN?
DOES THAT MEAN NEGOTIATE?
>> GREAT POINT*.
IT DOES NOT MEAN NEGOTIATE.
OF ALL THE FINANCIAL AID
OFFICERS SAY CRINGE OVER THE
WORD NEGOTIATE BECAUSE THEY
FEEL WE ARE NOT NEGOTIATING
OVER A CAR IS WHAT YOU ARE
ELIGIBLE FOR.
ITS IS IMPORTANT WHEN YOU
LOOK AT YOUR PACKAGE TO
REALIZE YOU NEED MORE MONEY
SOME THINGS ARE NOT COVERED
IN THE FAFSA.
IF THERE IS THE HARDSHIP AND
YOUR FAMILY OR IN BETWEEN
THE TIME YOU APPLIED AND
FILLED OUT THE FAFSA YOU
LOST A JOB THAT IS THE TYPE
OF INFORMATION THE SCHOOL
WANTS TO KNOW AND
UNDERSTAND.
BUT WHEN YOU TALK WITH THEM
IT IS AMAZING HOW MANY
PEOPLE FEEL THEY NEED TO BB
AGGRESSIVE OR MAKE UP THE
SOB STORY SO THEY THINK THE
ADVISOR WILL BUY IT AND FALL
FOR IT BUT THE REALITY IS
THEY JUST WANT TO KNOW THE
REAL DEAL OF WHAT IS GOING
ON.
GERRI: DOCUMENTATION AND
TELL THE REAL STORY AND
DON'T TRY TO ELABORATE OR
TELL THE UNTRUTHS AND HEEE
IS SOMETHING THAT I KNOW
FULL WELL IS CRITICALLY
IMPORTANT.
EXPRESS YOUR DESIRE TO
ATTEND YOU HAVE TO TELL
THESE PEOPLE YOU HAVE A
PERSOOAL CONNECTION TO THE
SCHOOL AND DESCRIBED IN
DETAIL.
>> YES.
ABSOLUTELY.
ESPECIALLY FOR THE COMMON
APPLICATION IS SO EASY FOR
STUDENTS TO APPLY FOR MANY
SCHOOLS THAT COLLEGE AND
UNIVERSITIES DON'T KNOW WHO
TO LEE WANT TO GO THERE.
THE FINANCIAL AID DIVISOR
WHO IS EVALUATING A PACKAGE
IS MUCH MORE WILLING TO BE
FAVORABLE IF THEY THINK HE
WILL REALLY COME TO THEIR
SCHOOL.
GERRI: TELL US ABOUT YOUR
APP.
>> ON I TUNES CALLED
SCHOLARSHIP ADVISOR AND IT
HAS THOUSANDS OF
SCHOLARSHIPS ON THERE THAT
IS EASY TO APPLY IT GIVES
YOU THE INFORMATION TO GO
DIRECTLY TO THE OF WEB SITE
IF YOU SEARCH FOR
SCHOLARSHIPS YOU WILL FIND
IT.
GERRI: DATA FOR COMING ON.