Turn College Costs Into Generational Wealth—Without Getting Buried In Loans or Sacrificing Your Retirement

The complete Creative College Funding system gives high-earning families a proven path to shrink tuition, build cash-flowing real estate assets, slash taxes, and increase retirement income.

Instant access • 90-day satisfaction promise • Limited spots to preserve unlimited coaching

THE PAIN

You earn too much for traditional aid, yet writing six-figure tuition checks would cripple your retirement—or saddle your child with debt.

THE POSSIBILITY

Our 4-Pillar framework turns that liability into an asset—covering tuition and increasing your net worth.

-

The 4-Pillar Framework →

How It Works

Student Positioning & Admissions Edge

Unlimited one-on-one coaching for 1 student with seasoned Education Consultants to:

Target high-graduation-rate schools

Craft SAT/ACT & essay strategies for automatic merit aid

 Build major & career clarity

Appeal offers to unlock hidden scholarships

$2,997 Value

College Funding Masterplan

Unlimited sessions with Certified College Funding Specialists to:

Slash your “Expected Family Contribution” with smart income & asset positioning*

Leverage our proprietary Retirement Scholarship™ (get college costs back in retirement)

Access exclusive low-rate private loan co-op

Side-by-side comparisons of every funding scenario—delivered in a personalized report

$4,997 Value

Wealth-Building Real Estate Engine

Choose how hands-on you want to be:

A. 98% Done-For-You — earn ~8% returns + bonus depreciation

B. Hybrid — keep 100% of rent, we handle the heavy lifting

C. DIY Coaching — you run the show, we mentor

Weekly investor masterminds & deal flow

Kids invited to learn & build true generational wealth

$14,997 Value

Advanced Tax Strategies

Work directly with our CPAs and Tax Strategists to stack high-impact tax plays (cost segregation, solar leasing, heavy-equipment, etc.)—cut liability and boost aid. We’ll even work with your personal CPA.

$12,997 Value

Community & Legacy Access

Elite members-only network, share wins, and wealth trainings for you and your kids.

Priceless

*We call it asset optimization—never “repositioning” that triggers penalties.

Retail Value: $35,988

Your Price Today: $4,997

You Save: $30,991

No-Risk Guarantee

 If you purchase one of our programs and implement the strategies we teach but don't save any money on college, just email us at:

[email protected] for a full refund.

MEET YOUR

Program Experts

Name: Cori Murphy

Expertise: Educational Consultant

Here’s How I Help:

1. Academic & Personal Fit – Finding the Right College – Identify schools that match the student’s academics, social life, and experience goals.

2. Student Positioning – Maximizing Scholarships & Admissions – Showcase unique strengths to boost acceptances and awards.

3. Financial Positioning – Reducing College Costs – Leverage aid formulas, tax strategies, and cost comparisons to minimize out-of-pocket costs.

4. Planning Ahead – Long-Term Success – Build a roadmap that links courses, careers, and finances to future goals.

Name: Lisa Gosweiler

Expertise: Certified Student Loan Planner

Here’s How I Help:

1. All Things College Loans – Identify which loans to use, finding the lowest interest rates, and choosing the best exit or refinancing strategy.

2. Income-Driven Repayment Plans – Decide if Income-Driven Repayment plans could save you money and reduce your cost of financing college.

3. Public Service Loan Forgiveness – Do you work for a non-profit organization? If so, you could potentially qualify for Public Service Loan Forgiveness and significantly reduce the cost of college through loan forgiveness.

4. College Loan Refinancing – Refinance college loans when it makes the most sense to reduce interest rates or switch from federal loans to private loans.

Name: Boyd Cook

Expertise: CPA and Tax Strategist

Here’s How I Help:

1. Cost Segregation Studies – Identify the estimated tax savings with a Cost Segregation study.

2. Tax Strategies – Showcase unique tax strategies to reduce taxes and get free money for college.

3. Entity Structures – Use entity structures to maximize tax savings.

4. Bonus Depreciation Q&A – Ask questions and understand material participation and bonus depreciation to qualify for tax savings and college savings.

Name: Julie Schmidgall

Expertise: Real Estate Consultant

Here’s How I Help:

1. Real Estate Consulting – Identify the ideal Real Estate deal to help you cash flow and reduce the cost of college.

2. College Selection – Find the ideal school to maximize the free money for your student.

3. Creative Real Estate Financing – Looking for creative Real Estate investing? Need a small down payment? Bad credit? Debt to Income ratio too high? Hate banks? Julie can help you find creative real estate deals that will still give you the tax savings and college savings.

4. College Funding Plan – Combine the Real Estate, tax savings, college savings, and college selection to build the perfect college funding plan.

Name: Jon Barlow

Expertise: Real Estate Guru and Investor

Here’s How I Help:

1. Analyze and Identify Properties – Help analyze your Real Estate properties to make sure they are the right fit for your investment goals.

2. Real Estate Q&A – Ask any Real Estate questions to someone who has purchased a billion dollars of Real Estate.

DEEP DIVE INTO

Full Program Details

1. Education Consulting & Student Positioning

(Unlimited Coaching for 1 Student — Retail Value $2,997 per student—Add Additional Students for 50% Discount ($1,498))

Unlimited Education Consulting from experienced Education Consultants

Work with students to narrow down schools based on academic and social goals

Find schools with strong graduation rates to shorten time-to-degree

Help students select a major and rewarding career

Provide SAT and ACT strategies to maximize automatic scholarship money

Identify private scholarships most families overlook

College Essay Strategy Coaching

Discuss in-state tuition options—even for out-of-state students

Guide strategic applications to maximize financial-aid scholarships

Expert coaching on FAFSA & CSS Profile—avoid costly errors

Timeline & deadline management for the entire college journey

Review award letters: work-study, loans, grants, scholarships

Strategic guidance to appeal aid and scholarship offers

Additional Student Positioning Services (À-la-carte):

• SAT/ACT Test-Prep Software • Career-Selection Software • Essay Review • Athletic Scholarship Coaching • Admissions for Top-Tier Private Schools

2. College Funding Coaching & Planning

(Unlimited Coaching — Retail Value $4,997)

Narrow schools by financial fit

Use strategic income positioning to lower SAI/EFC and boost aid

Apply smart asset optimization (never “repositioning”) to lower SAI/EFC

Calculate true college cost and opportunity cost

Retirement Scholarship™ Strategy: pay tuition with other people’s money, recover it in retirement

Personalized, side-by-side comparisons of every funding scenario

Access our private-loan co-op for the lowest available rates

Receive a College Funding Report outlining your custom plan

Assistance executing every step of that plan

3. Real-Estate Coaching & Exclusive Deal Flow

(Retail Value $14,997)

Step 1: Select a high-probability Short-Term-Rental property with a coach—or take one of our pre-vetted deals featuring creative financing and projected positive cash flow.

Step 2: Pick your execution model:

 A. 98% Done-For-You:
What We Handle: Purchase, loan payments, remodel, furnish/stage, list on Airbnb/VRBO, guest & maintenance management, insurance, tax docs

Your Benefits: 8 % return + half of bonus depreciation

 B. Hybrid:
What We Handle: You may delegate any line item to us à-la-carte

Your Benefits: Keep 100 % of rent + full bonus depreciation

 C. Coaching:
What We Handle: We mentor—you implement

Your Benefits: DIY control with expert backup

Step 3: Weekly Real-Estate mentoring calls to sharpen investor skills

Step 4: Collaborate with a community of like-minded investors

Step 5: Involve your kids on calls to build generational wealth early

4. Advanced Tax Strategies & Consulting

(Retail Value $12,997)

Choose from proven tax plays to reduce liability and inflate aid:

Real-Estate Cost Segregation & Bonus Depreciation

Solar Leasing leveraging taxes you’ve already paid ( $0 down)

Heavy-Equipment Leasing, Tiny-Home projects, and more

Stack multiple strategies to create future tax credits + maximum aid

One-on-one sessions with College Funding Specialists and CPAs

Our tax pros will interface directly with your CPA for alignment

Estimate tax impacts when optimizing assets (e.g., 529 plans)

Clarify the tax benefits of every funding option

Explore nonprofit angles for Public Service Loan Forgiveness

Entity-structure design for peak tax savings and aid eligibility

BONUS: Private Client Community

Elite network of families reducing college costs and building wealth

Our tax pros will interface directly with your CPA for alignment

BONUS: Legacy & Generational Wealth

Give your child the education of their dreams—debt-free

Teach them wealth principles via our weekly real-estate calls

Create lasting cash-flow assets that extend beyond your lifetime

HEAR FROM OUR CLIENTS →

Success Stories

“I'm Kevin Harrington original shark from shark tank and I recommend these strategies. I wish I knew you when I was going to school.”

“Working with College Funding Secrets just really did give me peace of mind and it was also really nice to know that whatever dollars we were setting aside for college we’re also compounding overtime. So we were actually MAKING money.”

“College Funding Secrets is really just trying to make sure that parents understand that anyone can send their child to college… and the college that they want.”

“The College Funding Secrets plan has given my wife and I peace of mind and security in knowing that we’re going to be able to send both of our kids to college and also be able to retire.”

“I never thought I could keep my college savings and allow it to keep earning interest."

“Having a real plan for college costs gave us peace of mind and freedom we never thought possible.”

“I regret waiting so long to check this out—it's been a total game changer for our family.”

“I was amazed at how simple and beneficial it is—I’m so glad I found this approach.”

“Why did I not know this existed before now?”

MEET OUR TEAM →

College Funding Specialists

MEET OUR FOUNDER →

Lance Morgan

“Parents shouldn’t have to choose between funding their child’s dream and protecting their own retirement. I created College Funding Secrets to eliminate that trade-off.”

Best-selling author & Certified Financial Educator™

20+ years guiding affluent families through college-funding minefields

Over $100 million secured in scholarships, tax savings, and retirement-restoration strategies

Presenter for TIGER 21, CFA Society, Barron’s Top Advisors Summit

LEARN MORE ABOUT THE PROGRAM →

Frequently Asked Questions

Will this work if my AGI is $300K+?

Yes—our strategies are built precisely for high-income households overlooked by traditional aid formulas.

Is real estate required?

No. Real estate is an optional wealth amplifier; you can still crush tuition costs through funding & tax plays alone.

How soon should we start?

Freshmen to seniors benefit, but earlier means more merit money and compounding tax advantages.

What happens on the call?

You’ll meet a Certified College Funding Specialist who will map out your personalized 3-Pillar game plan.

Who Are These Programs For?

For: Parents who are concerned about the high cost of college.

For: Families worried about getting buried in college loan debt.

For: Families who have college savings but would rather get free money for college and use their college savings for retirement.

For: Parents who are worried their kids won't get enough scholarships and they make too much money to qualify for financial aid.

For: Parents who are saving into a 529 plan but wonder if there is a better way to save and pay for college.

For: Parents with a high school or college student and worried that it's too late to reduce the cost of college.

For: Parents who want to send their child to their dream school but don't think they can afford it.

Not For: Parents who don't want to help their kids pay for college.

⚠️ Enrollment capped to maintain unlimited 1-on-1 access.

Secure your seat before we close the current cohort.

Ready to own college costs — and build wealth in the process?

Copyright © 2025. Creative College Funding. All Rights Reserved.