Clear, practical reads on funding a degree — the new loan caps, why recurring support outlasts the one-time ask, and how families close the gap.
Everyone reported the $20,000/year Parent PLUS cap. The number nobody did the math on is the $65,000 lifetime ceiling — and it runs out before senior year. Here’s the arithmetic, and how families are covering the last gap without hitting a wall.
One-time college fundraisers lose most of their momentum in weeks. Recurring monthly support behaves completely differently. Here’s the retention gap — 78% vs 32% — and why it decides whether a student actually makes it to graduation.