THCC Episode 132 Studying in Canada

Brad Baldridge
Welcome to Taming the High Cost of College. This episode we're going to talk all about attending college in Canada.

Presenter
You have kids they grow up and before you know it's it's time to plan for college. Where do you start? How much is it going to cost? you qualify for financial aid? Should you be looking into scholarships? Will you be able to retire? What about student loans? The list of questions is never ending. The good news is all the answers are right here. Welcome to the taming the high cost of college podcast here is your host Certified Financial Planner, Brad Baldridge.

Brad Baldridge
Hello, and welcome to Taming the High Cost of College. I'm your host, Brad Baldridge. In this episode, we have a great interview with Brandon Miller. He is an Immigration Professional. He understands what it takes in order for a student to consider attending college in Canada. There's also some interesting benefits about potentially becoming a Canadian citizen, of course, in addition to with your US citizenship if that's where you're coming from. So there's might be some additional interesting benefits around College in Canada. Top of that, I think there's some price differences that may make a big difference for some families. Of course, there's all types of colleges, this might be something that you would do as a high end student looking to instead of going to the Ivy League or Cambridge, you could go to the high-end Canadian schools. There's certainly a lot of average students could do this as well.

Again, the B average student or the A plus student, but not real strong student. Why would you do it? Well, again, it's something that looks a little different on your resume. I think it gets kids out into the real world a little bit more. It broadens their perspective, I think a lot of students are left in a tiny little bubble in their suburban high school, or their urban high school or whatever it might be. Often that bubble doesn't change a whole lot when they go off to college. So by perhaps choosing to go to Canada, I think some families would, afford their student an opportunity to see the US from a different perspective.

I know Brandon talks about his time overseas. When I went and studied overseas as well, it's interesting as an example, to watch the news and hear about the US from a different perspective. I think that perspective is important that in the global world that families start to understand, and especially where appropriate, students start thinking on a global scale, because that's where the world is going. Alright, let's go ahead and jump into the interview.

Today I'm sitting down with Brandon Miller. He's an immigration professional in Canada. He has a website, MySecondPassport.ca.

Welcome, Brandon.

Brandon Miller
Thanks, Brad. Good to be here.

Brad Baldridge
All right. So obviously, you deal with immigration in Canada. What does that have to do with a typical parent of a student here in the US?

Brandon Miller
W e deal with a lot of us students actually and more and more over the coming years. A lot of people are looking to Canada not only for school, but also for the benefits that surround that. Some of the benefits being some of the more tangibles which are sometimes cost savings and and some of the other more future benefits are things like getting a second passport in Canada and having options for the future such as worker health care, or education or things like that.

Brad Baldridge
Right? So in essence, some students now or and or parents are looking to Canada and say, 'Hey, why don't I go to college in Canada?' I can see how there's some benefit to that. I think a lot of families now are trying to spread their wings do something different. I mean, in the past, I think even in your history, sometimes people will put on the backpack and off, they go to some foreign country. Maybe they study there. Maybe they just live there for a year or two. But it seems like Canada is not starting to welcome students or has been welcoming students to come to Canada to study.

Brandon Miller
Yeah, so you raise a few good points. A little bit about my story there. I was actually graduating school and one of the best decisions that I made was to go overseas and teach in Korea, which was absolutely fantastic. Changed my life a lot. A lot of what we've seen over the years is that international students have grown exponentially. It's turned into a major, major growth area for Canada. I always comment sometimes where, you hear in the news, sometimes they'll talk about, softwood lumber disputes between Canada and the US. I'm like, forget about the softwood lumber because in terms of the amount of money that is entered into the economy, it's not the lumber industry, where that comes from, it's mostly international students. It's that big. It's that actually, that much growth is as come out of it over the number of years for Canada. We have some world class education here and people from all over the world are coming here to access that.

Brad Baldridge
Right? Absolutely. I think in the US we've got a little bit of a US-centric mindset where, again, everything revolves around the US. If you're a US citizen, typically, and you don't think much about studying elsewhere. I think study abroad programmes come up. I think a lot of families would take advantage of study abroad, that's also growing leaps and bounds at the US universities where you can actually do a study abroad.

This would be different, where you could actually choose to go to the University of Toronto, or McGill or some of these other schools that again, a lot of them are, are world renowned, and study there for the full programme. Now, if you're going to do that, I mean, you need to have a passport, you need to, what are the rules? You need to get shots? I mean, what, what does it take to cross the border and actually stay there for a year of school?

Brandon Miller
So do you get shots? It's funny, I chuckled about that, because I just brought in a student from the from the southern US, and she does not have her shots, and was able to there's there's certain exemptions that are available for that. So the answer to that is, yes, it's advisable. But no, it's not actually mandatory, because there are actually exemptions. During the whole pandemic, there were those exemptions in place, because students are such an important part of the economy. In terms of being able to come here as a student, most people are very uninformed.

I'm happy that we're speaking today, because they're uninformed about how easy it is to actually come and study here. I'll give you an example. When somebody comes in from the United States, the United States is the only country where you can actually, carefully prepare your paperwork and drive up to a border or get on a plane and fly into Toronto and say, I want to study permit, here's my papers, and you can actually get that granted to you right at the port of entry with flying it. It's that simple.

I've done it in the last couple of months, I've done it with a number of students because it's September intake, right, people have come in. But yeah, you require a passport, you require admission into a school. Other than that, a few other key documents, a study plan, explain what you're doing, why you're studying what that's going to do for you. And you're good to go. You'll get your study permit at the border, and you'll also have the ability to come here and work while you're going to school.

Brad Baldridge
Oh, interesting. I think in many situations that I've seen around study abroad and that type of thing, you get a student visa or a student waiver. You're allowed to stay for a relatively long time. But generally it precludes work. Well, what you're saying is that typically in Canada, you can work while you're studying and that type of thing.

Brandon Miller
Absolutely. The way it works with student visas is that: you can come in as a student, and you can work part time, 20 hours a week while you're going to school. Or if you're getting a job, say as a teaching assistant or something along those lines, then there's there's less limitation around that. When you take a break in the summer, you'll be able to work full time, as much as you want, you want to work 100 hours a week. Sure, you can do that. One of the benefits is that once you get a student visa here, you can actually work while you're going to school and during breaks, you can continue to work as well.

On top of that, while we're addressing work. One of the other benefits to people is that once you graduate school here, you can get what we call a postgraduate open work permit. What tha t means is that once you graduate school, and you've done that you can apply for this post grad work permit. What that allows you to do is it allows you to work any job that you want, and gain valuable Canadian experience that you can parlay into a Canadian passport. If you go to school for one year, you'll get a one year open work permit. If you go to school for 2, 3, 4, 10 years, the maximum you can get is a three year open work permit from there.

This is actually the reason that we do this is that the Canadian government wants to see people come here, they want to see them learn, get into the Canadian system, and also be able to set themselves up for an opportunity to stay here if that's what they want to do. Then there's so many more benefits, especially to Americans to have not only a Canadian passport, but also a US passport.

Brad Baldridge
Yeah, so let's touch on that a little bit. So if I get a Canadian passport, I'm not giving up my US citizenship. Am I been considered a dual citizen or what does that mean?

Brandon Miller
Absolutely. That's a great question. You're actually considered dual citizen. As an American citizen, you can hold two passports. You can have a Canadian passport, and UK and US passport. The benefits to that are pretty big, if you take somebody who's a young person. Now again, I want to be careful here because I'm not a tax expert. But I do deal with a lot of clients that have both citizenships. Canada and the US have tax treaties in place which allow people to strategically plan their tax affairs so that it's most beneficial to them. You can ride that out with different citizenships and you're not going to be double taxed. You're only going to pay the difference depending on who it's owed to either to the The US or Canada, so that's one facet.

Another benefit would be is that it opens up a number of different working arrangements through different trade agreements. We all hear about different trade agreements, the US, MCA, or Kuzma, or NAFTA, all these different things. But we hear about the trade portion of that. Along with any trade portion, there's also worker mobility provisions. Now Canada has a number of agreements, like with South America, or with Europe. We have the comprehensive European Trade Agreement, and there's worker mobility provisions in there for people that have have Canadian passports.

The other thing that is of interest, usually, that I hear from the American side, generally for longer term is health care. We do have free health care up here and retirement benefits and things like that. Once you get a Canadian passport, you can take that. You can literally leave for 20-30 years, come back and retire here and have full health care and live your life.

A lot of people see that as a longer term strategy as something that they can do. Again, coming here to go to school, we hear about the savings that comes out of it. We hear about the life experience, and quite frankly, coming to Canada from the US, it is not like a huge cultural shift, right?

Brad Baldridge
Right.

Brandon Miller
We're pretty the same, right? Like in a number of different things. We have a lot of shared cultural norms and whatnot. So it's not like, again, I remember when I, when I got on the plane, it was literally 10 days from when it entered into my head to me being in Korea, and I'm sitting at the airport going, what the heck am I doing here, the only thing I recognised was the Coca-Cola sign and the Korean Air sign of the plane that I flew in on. That's it. Like culturally, it was very different. That's always nice, the cultural experience. Then there's the future, the future possibilities, which is the worker mobility, the healthcare, the tax savings, all the different benefits that come to that.

Brad Baldridge
Right. I mean, that reminds me of a situation I had long ago when you talk about the Canadian passport. When I was young, in college, I actually did a study abroad. Then while I was — I studied in London — and while I was there, we did some travelling around. I ran into a British citizen, and essentially said, Well, I'm going to pull up my Canadian passport when we go to these countries, because right now British citizens are aren't revered real well, and nobody knows anything about Canada. So if I use my Canadian passport, I'll pass under the radar and avoid, some of the intense screening that would be appropriate with my UK passport.

Brandon Miller
That's actually a good point, because there's that leg of it, too. But there's also, for instance, some countries, I don't have to get a visa for, right? There's differences between the US and the Canadian passport in terms of if you're travelling. You can whip out your Canadian passport, for instance, and have the ability to stay for six months, as opposed to say, some countries where the US passport will give you like 21 days. There's a number of different things. Increasingly with this, digital nomads and geography becoming less of an issue, people can work and study anywhere they want, or travel and live, it's great. So yeah, that's a good point, too. Yeah, for certainly the convenience of travel.

Brad Baldridge
Oh, for sure. And I think as, again, when I was young and did study abroad, it was unique and special. I think study abroad is becoming much more routine in the US, where at least us is starting to think globally a little bit. I think there's a huge benefit to US citizens getting out in the world and experiencing other cultures and that type of thing.

Now, again, Canada's maybe a baby step, because it's not, it's not like, again, not going to the far east or somewhere where you can't speak the language. Generally, you can mostly understand Canadians.

But anyway, I guess another question, as long as we're talking about language, there is the French part of Canada. So absolutely, we could if we want to do go to Quebec and study there, would that allow us to get some immersion in French and our classes taught in French? How would that work?

Brandon Miller
Man? That's a great question. So yes, Quebec is largely French speaking. Here's a question for you and this is a trick question. So I'll just tell you right off the bat, what is the one bilingual province in Canada? Okay. I'm not going to ask you to answer that, Brad, because I know it's a trick question.

I just told you that but it's not Quebec. Quebec is actually French is the first language but New Brunswick is actually a truly bilingual province. Canada's official languages are English and French. A lot of people, if they want to pick up a language, McGill is in Montreal, for instance. Now we have a lot of interest with people that want to come up and study in Quebec, because they want to pick up the French language as well. Now it's a different type of French, in terms of like it, there's a Quebec component of it. But ultimately, it's pretty similar to any French spoken around the world. That's a great option for people that want to come in, pick up a new language. I'll tell you just as a side note, one of my favourite things is Quebec City. There's Montreal and Quebec City are the largest cities in Quebec. Quebec City, I'll tell you what, it's like walking into, Europe like, couple 100 years ago. It's just beautiful. If anybody wants to Google that, go check out, the Chateau Frontenac. You can take a look and see what I mean, like old Quebec, beautiful, just beautiful. It's like you're going to Europe, but you can drive to it. And yeah, there's a lot of benefits to that a lot of benefits.

Brad Baldridge
Alright, so we started to think about this, I think a lot of questions flashed through your brain. So, one of the obvious ones as well, Canada's cold, why on earth would I go there? Can you speak to that a little bit, because I happen to live in the United States. And I think I probably live farther north than you do.

Brandon Miller
That's true, right? Canada, actually, we do have four seasons, it can get pretty cold, depending on where you are. To put that into context, 80% of the Canadian population lives within 200 kilometres of that the US border, right? If you want to go north, and you want to head up to, Northwest Territories or whatnot, then, yeah, it's going to be cold. You're in the Arctic, for God's sakes, right? It's going to be cold up there. But here's the thing, Vancouver, for instance, is very temperate. It rains a lot there, because of the proximity to the ocean but it's not snowing in Vancouver. You can literally be on the beach in the day and skiing, in the afternoon. Morning in the beach, and then the afternoon, you could go for a ski and then be back to the beach. You've got access to all of these different types of climates.

If you're in Winnipeg, or as we like to call it in Canada WinterPeg, it's pretty cold. It actually can get pretty frigid there. Here's what I like to say. As somebody who did a little bit of time and lived in the Middle East as well, and it's hot. People always ask me from there, they're like, 'oh, it's cold there.' I'm like, 'Yeah, but when you're living in the desert, are you running around big sand dunes? No, you're going from aircon, to aircon to aircon.' It's the same thing here. You're literally moving from warm space to warm space. Might get a little cold from your front door to your car, or when you get into your enclosed transit space. But, if you look at the major cities here, like Toronto, for instance, you can literally walk the downtown core because there's an underground, they call it the path system, where it's all underground. All the buildings and everything are connected. You can walk for miles and miles and miles. All of these things are taken into account. It's not that cold. I actually have learned to live it. I spent eight years in the tropics, and I've come back. I'm like, 'Yeah, I love winter.' But yeah, you're in an area where it's pretty cold. So you know exactly what it's like here.

Brad Baldridge
Yeah, right, exactly. I mean, there are there other four seasons, and Canada is not much different. At least some of the southern areas of Canada, certainly like Toronto wouldn't be much different than New York City or where I am in Milwaukee. I mean, Toronto is relatively close to Detroit as an example, the weather's probably not significantly different between those two. But there is winter for sure. But there's winter and most of the Northern us too.

Brandon Miller
I would say though, the one thing I would like to point out on that and just this is just ad hoc, I like to think that we're a little bit more prepared for winter. I always see like, you touched on New York, right? New York gets a snowfall and they don't have the snow removal and the different things there because it's not something that's there. So that chaos doesn't ensue as much when we have these big winter storms here because it's just the way it works. Right? I remember as a kid, I was like, Yay, snow day. Y you get snow days. Do you ever get those?

Brad Baldridge
Yeah, we did. They happen here as well.

Brandon Miller
I love those. Right?

Brad Baldridge
It's got to be pretty serious, though. and again, we always joke when we see it on the news where two inches of snow in Dallas and it shut everything down. We need two feet or three feet of snow and then things get shut down for a day or two.

Brandon Miller
Exactly

Brad Baldridge
Or the bitter cold. Occasionally it gets, minus 20 Fahrenheit, which I don't even I mean, my brain doesn't do Celsius.

Brandon Miller
Minus 20, so that's actually not where it gets a little bit colder than that if you get Windchill. So Celsius here, minus 20 Celsius, minus 10. I know it's at zero everyone's like, 'Oh, it's zero, which is 32 degrees Fahrenheit.' 'That's, man, that's still t-shirt weather up here?

Brad Baldridge
Yep,

Brandon Miller
It's the wind that adds on to that but yeah, no, it's all good. You just have to drink Ask for it and enjoy it.

Brad Baldridge
Right?

Brandon Miller
I'll tell you, I find that, winter for me, it allows me to appreciate the summer and the spring that much better. I always liken it to one of the best days of the year. For me, it's like the first warm spring day when people are bringing out their bicycles, and you've got somebody that's got their, the windows down in their car, they've got some music going and stuff you like. 'Ah, summer is just around the corner.' It allows us to appreciate it that much more. Right? That's the blessing of winter.

Brad Baldridge
Okay. Now as far as the application process, I know here in the US, obviously, we used to rely heavily on the LSAT and the ACT test, which was our college admissions tests. They're starting to go away. It is becoming test optional, and some of that, but are there tests or that type of thing in Canada that we'd have to be dealing with? Or how does it work there?

Brandon Miller
So it generally varies depending on the school. Yhe US tests are generally not as relevant. Most universities will accept the LSAT scores as a way for applicants to meet the requirements. Even if the programme doesn't require the test scores can be a great addition to an application. Again, it does depend on the school. While not all schools will require the students to provide a proof of SATPs, their school grades are the most important thing. That's generally what people are looking at. So again, some schools will offer their own admissions testing as part of the process.

But I can tell you right now, I'm dealing with somebody today, and one of the requirements is an English test. I was laughing because the person had done an English test for immigration purposes. It's, it's better than most native speakers. So they're seeking an exemption. What you need to understand, is that it is on a case by case basis. Not all schools are going to require the SAT's and whatnot. But it's important to have a plan of what you want to do and where you want to go. Then you can look at the scores and different things there. Or just the application procedure, I should say,

Brad Baldridge
Right, and then obviously, there's some of the top schools but there's also, schools that are, we always talk about that, in the US people are hyper focused on Harvard, and Yale and the other name brand schools, the top 25 or top 50, whatever it might be, that everybody's heard of. But again, those schools tend to take, the best and the brightest, and everybody else goes to their state universities or the other private schools that don't cater to, the elite student. I'm assuming Canada would have a wide swath of students. They would have elite schools all the way down to the B student type schools as well. Speak to that a little bit.

Brandon Miller
Yeah, I think, everybody in the world has heard of the Harvard's, and the Yale's and all the cambridges and the Oxford's, and all these different schools. I think it's just basically, as I like how you put it, the name brand recognition, right. But there are so many great schools out there, and Canada is no slouch in that department at all. Like, , if you look at UBC McGill or University of Toronto, consistently in the top 50, and world surveys, depending on which survey you look at.

Those are the schools that show up when you start speaking about Canada. I can tell you, I just brought a student out of Cornell, who had a full scholarship in both Cornell and University of Toronto. I don't want to get too much into the details, because I do respect the privacy, but they were in the sciences. They also had a European full scholarship. So needless to say, he was a very bright individual. He chose to go to U of T in this programme, and I asked him. I said, 'well, that's interesting,' because he was already at Cornell. I said to him, 'That's a pretty good school.'

He's like, 'Listen, the opportunity that's there and the type of research that I want to do, that's the school that I want to be at.' I was like, 'very good to know.' Right? Again, speaking of U of T, I always I always comment, if you actually do your research, you look at some of the things that have gone on at the schools, they're like insulin, right, has been was discovered at University of Toronto. These are the little things. There's great academic institutions, but, it's difficult to compete with the name brand schools.

It's funny, just thinking back, this just popped into my head for my Korea days there was a Korean drama, and I know everybody's into Kpop, and all the different things these days. But when I was there, there was a drama series that was on it was called Love Story at Harvard. Right? What a great marketing, not strategy, but a great name recognition, you've put that into mainstream culture. I think that's actually what happened in a lot of the schools. I think if people are actually diligent, they do their work, they can find a lot of great opportunity for a number of different schools and Canada's is is obviously at the table and the top spots in a lot of those academic institutions worldwide.

Brad Baldridge
Right, for sure. So obviously, we've got competitive schools, but by look at the list of some of the Canadian schools, there's probably 40-ish that are eligible for us Need Based Aid. We'll talk about that in a minute. So it's not only the higher name brand schools that you could consider. You could go to a smaller private school or a smaller public school, that, again, isn't necessarily going to be as competitive.

It's not like, well, I can choose between Harvard and University to Toronto, which is great for that top student. But you could also choose between your local state school that happens to be in your town, or the local state school in your town in Canada. Not necessarily, again, you get the change and that type of thing, but it's not as competitive and it's not, just that Uber elite that we're talking about here.

Brandon Miller
Absolutely, absolutely. I might be naive. But I would like to think that anybody who's a decent student can get into any school here in Canada. Again, I got to be careful, because I'm an Immigration Professional, right? But I do deal with a lot of students. Just from my own experience, I know, when I went to post secondary education here. It wasn't the process, like going to school, trying to get into a school in the United States, from my understanding, it's a job in itself in terms of what you have to do, to go through. Whether it be the financial side, or the interviews or the prep, you have to do. That's my understanding anyways. We don't have that type of system here. It depends on the different programme. But that type of stuff doesn't exist here. I respect, and I don't I like to think that all of the educational institutions in Canada are within reach of anybody who has the academic props to be able to do that. That doesn't only mean for admissions, but it also means financially to where it's not you don't have these wild swings in terms of tuition rates for schools.

Brad Baldridge
Right? Absolutely. All right. So as I mentioned, there's quite a list of Canadian schools that are part of the US financial aid system, which means that, at a minimum, you should be eligible for us student loans, and perhaps some grants and other federal aid as well. I think that's a little, an additional benefit. Now, there are schools all over the world that are part of the federal system, not just Canada. But Canada has a lot of them. I think Canada might be a good place to explore. Again, for someone that's looking to maybe not go all out and go overseas, truly, way overseas, and just say, well, we'll cross the border and go to Canada and start there. But I think it gets you out of the US bubble and gets you thinking globally. I think there's a huge benefit to that. If people want to learn more about this whole process, and how you can help and all that type of stuff is there, where can we get more information.

Brandon Miller
I actually have a page that's set up only for us students, because as I noted earlier on, it truly is a unique application process for US students, as opposed to other nationalities to come to Canada. There's so many different benefits to that. If they want to go to MySecondPassport.ca/USstudents on there, that'll be information that will answer a lot of the common questions that we see. There's a lot of information there with the type of offerings that we have to be able to facilitate this whole process for somebody who wants to come in here, the type of things that people need to think about in that respect are, there's the immigration process, which is very simplistic for somebody coming from the US who has an offer of admission from a Canadian school. Then on top of that, there's the admissions process. Obviously, the logistics of being able to physically locate up here and get settled in and get on the ground. That's the type of resources that would be there. And yeah, if they want to go take a look and learn some more, that's the place to start.

Brad Baldridge
Yes. And we will put links to this web page and some of your other web pages in the show notes. This is Episode 132. So you can go to tamingthehighcostofcollege.com/132. There'll be links to Brandon's stuff and other information and notes on this as well. All right, well, it was a great chat on Canada. I'm sure we will talk again, any final thoughts as far as what Canada has to offer that us people may not quite understand?

Brandon Miller
I'll give you a final thought. I think it's directed at mostly, especially younger people and maybe their parents as well. I know for me, one of the best things that ever happened to me is, I was graduating University and I was going to create into law school or I had some different job offers and I had law school or grad school. I decided to go make a sharp left and go teach English and Korean for a year. I ended up staying for four and a half years. It was the best thing that I ever did. I like to think of school and education, especially higher education as an opportunity to learn, and also grow as an individual. Not only academically, but professionally and spiritually, and any type of growth that you're looking for. I think that going abroad and learning about different places, and different ways of doing things, is just a benefit that comes along with your traditional school. I think that this is a good opportunity to do that. On top of that, there's also the other added in benefits there for everybody. I think it's just a wonderful opportunity for people and I'm happy that, we live in a day and age where these things are so easy now, right? That would be my final thought, right?

Brad Baldridge
Yep, I would agree that the world is getting smaller as we become more and more global. I think people with some experience in history and a better understanding of the broader world will be valuable in the job market, as well as just, better citizens wherever they land.

Brandon Miller
Exactly.

Brad Baldridge
All right. Well, thank you very much. Again, we'll put everything in the show notes. And again, we probably talk again,

Brandon Miller
thanks again, Brad, I appreciate it.

Brad Baldridge
All right, that was a great interview with Brandon. If you can't tell both Brandon and I are very excited about the idea of getting out there and seeing the world and doing something a little different. As I mentioned at the top of the show, I think it helps students to get out there and get some perspective. And to have something to talk about in interviews when they're going on to grad school or when they're going on for their first job.

Well, they have something to talk about. Besides, I studied hard in school, and I got good grades. Of course, this isn't the only way you certainly can go to school in Canada, you can do study abroad. Of course we talked about Gap Year in the previous episode 131. So that would be another way to differentiate yourself.

Then, of course, there's internships and co-ops and all kinds of things where students can get out in the real world, as well. I think you need to start understanding these options and start building them into your college curriculum. In the end, just getting a bachelor's degree is not all that different from everybody else. I think there's a challenge out there, where, again, you need to do something different. You need to be able to advocate for yourself. You need something that you can highlight while you're looking for a job looking for the next step. I think the reality of it is, when you do these types of things, you grow as a person. You get out of your bubble. You learn new things.

I would encourage people to think about, again, Canada is one option. It's necessarily not the only option, but I think it's interesting. There's lots of other ways you can go as well. As always shownotes are available. As I mentioned earlier, this is Episode 132.

If you want to get links to Brandon stuff, you can go to tamingthehighcostofcollege/132. Right there on the page will be links to Brandon's website and pages and information.

We appreciate any ratings and reviews. Please share this with your friends and family or anyone else that that might benefit from learning more about college planning. We'll see you next week.

Presenter
Thank you for listening to Taming the High Cost of College podcast. Now it's time for you to take action head to tamingthehighcostofcollege.com for show notes, bonus content and to leave feedback for Brad. The next step on your college journey starts now.

Brad Baldrige Baldridge is a registered representative of Cambridge Investment Research and an investment advisor representative of Cambridge Investment Research Advisors. Our registered investment advisor securities are offered through Cambridge Investment Research Incorporated, our broker dealer and member of FINRA and SIPC Brad owns two companies, Baldrige Wealth Management and Baldrige College Solutions. The Baldrige companies are not affiliated with Cambridge Investment Research.

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