RecordingTranscript availableAnalysis ready42:17

Paying for College Night 2025

Woodbury City CouncilWednesday, November 19, 2025
Watch on original source

Strategies for a smarter college search

Defining academic, social, and financial fit

Understanding FAFSA and financial aid assessment

Cost increases at flagship public universities

National student transfer rates and financial impact

Need-based aid vs. merit scholarships and loans

The CSS Profile vs. FAFSA

Parental and student asset assessment rates

Tips for filling out the FAFSA

Flexibly vs. inflexibly priced institutions

Selecting a college list and being a competitive applicant

The role of GPA and activity quality in admissions

Understanding early decision vs. early action

Impact of test-optional admissions and common app volume

Full Document Analysis

Notable Quotes (2)

If you put all your eggs in that single basket, they have no reason to give you money. You've told them before you know your financial award that you're going to come.

— Cozy Whitman
Early Decision StrategyAdvising against Early Decision if a family cannot afford full tuition.

Today, the average student is applying to 43 schools. 43 is a crazy number. Do not let your student apply to 43 schools.

— Cozy Whitman
College Application ProcessCritiquing the modern trend of 'shotgun' application strategies.

People (1)

Cozy WhitmanRepresentative

Works with College Inside Track, advising families on college admissions for nearly 20 years.

2 quotes

“The national transfer rate sits at 38%. So 38% of kids go off to college, discover they've made a poor choice, and need to leave and go to another school.”

Discussing the financial and academic consequences of poor college fit.

“I don't know about you guys, I do not think about loans as aid. You have to pay those back. These two need and merit are gifts. Loans are not a gift.”

Distinguishing between genuine financial aid and student loans.

Places Mentioned

University of MinnesotaUniversity of WisconsinUniversity of ConnecticutUC BerkeleyUNC Chapel HillUniversity of TexasUniversity of MichiganUniversity of ChicagoRice UniversityStanford UniversityDuke UniversityWestern MichiganSt. ThomasSt. Kate'sGustavusSt. OlafDrake UniversityCreighton UniversityQuinnipiac UniversityUniversity of Puget SoundBaylor UniversityUniversity of DallasLewis and Clark CollegeWake Forest UniversityUniversity of Virginia
Transcript