Episode #115 – How To Pay For College with Brad Baldridge

Today I have a very special guest for you, and he is someone who knows so much about financial aid, scholarships, and how to pay for college. This episode is an important one because getting into college is one thing but how can you figure out the affording college? I haven’t really talked about at all on the podcast, but the subject of how students and families can afford college and prepare for the costs associated with it is such an important one.

Brad Baldridge is a CERTIFIED FINANCIAL PLANNER ™, College Funding Consultant, and chief podcaster at Taming the High Cost of College. He helps families plan and save for college, while providing expert guidance, customized planning services, and insights on the latest tax, cash flow, and academic strategies. Brad has many years of experience working with families in the college planning process, where he seeks to significantly reduce their college costs. He also specializes in helping students earn admission to their preferred school and realize their college dreams.

You’re going to learn so much about saving for college, and the ways you can be a little more strategic and prepared for this extremely important journey, and if you do find this episode with Brad helpful, we’d love it if you snapped a screenshot and shared it on your Instagram Stories.

I’ve got an exciting announcement! Very soon we’ll soon be opening enrollment to the Passion Project Bootcamp NEXT LEVEL program, our premier, most exclusive hands-on program. If you’re interested in joining the next cohort of the Passion Project Bootcamp NEXT LEVEL program, you can get on the waitlist now at https://juliekimconsulting.com/nextlevelwaitlist. With this program, in addition to the monthly live Q&A calls and one-year unlimited support, you’ll be invited to 8 exclusive group sessions, where you can get more hands-on support and high-level strategies from me.

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As always, if you have questions please reach out to our support team at info@juliekimconsulting.com, and I’d love to connect with you on Instagram – I’m at http://instagram.com/julie_kim7.



  • How Brad got started in the field of financial planning for college
  • His advice for preparing when your child is in his or her sophomore or junior year
  • What families can do to find out if they quality for needs-based financial aid
  • Things to consider when applying for student loans
  • The top misconception he sees that families and students have around financial planning and funding for college
  • How Brad helps families and students minimize the student loan, and overall cost, of college
  • A tip he has for those navigating the college admissions process right now


All the different variables involved `{`with the cost of college`}` means that a lot of planning can be relatively customized.
It takes a lot of extra work to figure out what college is going to cost ahead of time, but I think for many families if they knew `{`the actual costs`}`, they’d look a little harder at the less expensive colleges.
It’s not my place to judge. It’s just my place to lay out the facts and give you your options.
There are lots of things that you can do to bring the cost of borrowing for college down, and then once you can bring it down as far as you can, there are lots of ways to pay for it a little more efficiently.


Getting into Ivy League & Top-tier colleges doesn’t require perfection.

I repeat: You do NOT have to be perfect.

You also don’t have to spend a million hours volunteering, get perfect test scores, or be a star athlete.

What is required is understanding How to STAND OUT.

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By Julie Kim Ed.M Harvard University