Your HS Junior know EFC, NPC or Merit? They should. College Planning is more than 529s and student loans, focus on how to take less of each. Read More College Planning, Debt Management, Your $ Your IndependenceGlenn BrownNovember 2, 2020Sandwichers, Best Practice, Budget, Debt Management, Education, FAFSA, family, Merit Scholarships, High School Students, College Planning, College, Tuition, EFC, Expected Family Contribution, Grants, grandchildren, Teenager, children, Financial Planning, Financial Aid, guardians, Goals, Raising Kids, Kids, Local Town Pages, HELOC, Minors, NPC, Net Price Calculators, ROI, Priorities, Savings, Student Debt, Student Loans, Your Money Your Independence