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ZeroCollegeDebt.com on Real Estate 101 TALK 1370AM


*Podcast from todays show will be available later today.


Dear Parents and Students:


Here is a comparison of financing college the traditional way compared to using real estate and following this program.  This is offered as a way to assist you.


Once we provide you with basic information, we recommend that consult your tax accountant.  All numbers are used for analysis purposes only and are designed to show you an alternative to help pay for college. 



Traditional Financing

Zero College Debt Program

Advantage of Zero College Debt

Student is Accepted at College of Choice




Apply for Loans & Grants

4 Years of College

First Year in a debt position.

Minimize overall debt after graduation.

Pay for Housing & Tuition

4 Years of debt

First year in debt position.

Only first year in debt position.

Purchase home in Year 2 (We are not recommending the purchase in Year 1 because there are too many variables contributing to a student not continuing at that college/ university.  This is a personal/ family decision.  Certainly, a home can be purchased in Year 1.  Create your business plan and let us know how we can help.)


Purchase 3-bedroom home in 2nd year and find tenants.  Work with local REALTOR® to determine market rents.  Payment for university housing is redirected to personal home.

Generate rents to pay tuition and personally finance college. Reside in home and eliminate need to pay for on-campus housing.  Save money normally an expense, now making an investment that may be recovered upon sale of home. Talk with your CPA to see if you qualify for the 2008-2009 Tax Credit of $7,500.

Year 2 Apply for In-State Residency status

No action, do not qualify for In-State residency while living in Campus Housing.

Work with College counselor to understand requirements and qualify for in-state residency for year 3 & 4.


Qualify for reduced tuition rates in Year 3 & 4.  Usually saves about 50% on tuition rates, where differential exists.


Accumulate all college loans and decide on how to pay them off.

Most college expenses have been paid from the rents.

Student has no major debt or minimized debt to pay off.

Sell Home


Sell home, recover down payment.

Profit or loss is determined by market conditions.  Even if take a loss on sale of house, still generated over $100,000 in revenue if using program the way it is designed.

Paying off college loans

May take 10 to 20 years to pay off debt.

No debt or minimized debt to pay off.

No major debt to pay off.  Each scenario is determined by local market conditions.

Note for Out-of-State Students


Live in off-campus home owned by another student.

Establish residency in Year 2 and take advantage of in-state tuition.  Reduces financial liability by about 50% where differential exists.  Must work with college counselor and abide by rules and deadline dates.

 Note: The Zero College Debt Program provides information. It is up to the student to meet all deadlines and work with the university counselor to qualify for residency.


This program is designed to help students minimize their long-term debt after college. Real Estate can help establish residency and qualify for in-state tuition rates and provide a revenue stream while in college.  Real Estate investing is the best possible solution to financing college.


You can get more information by attending one of our national seminars.  We will walk you through the process and provide advice at every step of the process.  Once your child has decided on a college, we will put you in touch with a local REALTOR® who is familiar with our program.  You will be asked to sign a Buyer’s Representation agreement so that the REALTOR® can fully represent you in all negotiations and help you get the best deal possible. We look forward to working with you and your son/daughter. 




Zero College Debt Staff



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