I’m Red-beard The Pirate and I’ve helped thousands of students get killer grades with my book (and I’m even talking about the procrastinators too.)

For $4.99 you can have top-off-the-class grades or it’s free. Want to know more?

Get your parents off your FAFSA because it’s good for you.

I ran a little experiment testing FAFSA eligibility requirements and in my first experiment I was able to find a way you could save $23,690 dollars on college and have access to nearly double the federally guaranteed student loans.

FAFSA is the US government’s federal student aid program. It is a (naive) attempt to provide assistance to students that can’t afford the expenses of college.

One of the most naive aspects of this program is the assumption that a family with an average income in the US can even afford tens of thousands of dollars worth of college expenses.

Even in the lower middle class income range you’ll still be lucky to get a penny of benefit beyond the minimum in loans.

(Ironically, those most capable of affording college already have their finances structured to lower their taxable income making children of the wealthy still have access to these loans and grants.)

I want to introduce you to the opportunity to access these benefits for yourself.

Is it worth doing? I don’t know but it’s quite obvious that the people on FAFSA want you to put off college because the comparison is stark. 😛

By the way, this is not financial advice. This is just simple encouragement for you to think for yourself. You can find amazing solutions when you’re willing to dig into the nitty gritty of life.

The Anatomy Of FAFSA Benefits

I’m going to be focusing on two main aspects of FAFSA.

1. Grants

The big meaty and delicious benefit that everyone should be seeking is the grant.

This is essentially a gift.

When you qualify for the Pell Grant, you’re going to get a chunk of money to pay for college and you get to keep it for good. It’s all yours.

That’s pretty cool but most students just graduating high school won’t qualify you for it.

2. Insured Student Loans

You can use federally insured student loans to pay for college to save a little bit of money.

Someday, you’re going to have to pay this money back.

The federally insured part is what’s important here.

This is money that that government is promising to pay if you run away and ignore your student loans forever. The guys giving these loans like that government guarantee that they’ll get paid. That means they’ll charge you less interest for the loan.

This is just a long term way that you can save some jangle in your pocket but it’s not quite as awesome as free money.

How Putting Off College Can Save You Tens Of Thousands Of Dollars

The FAFSA aid calculations are publicly available data that you can run test calculations on yourself.

Imagine you’re an 18 year old California highschool graduate with two parents making a below median income of $50,000 a year each. (The median income in the US is ~$59,000 in 2017.)

If you’re family is like most, your parents aren’t going to have much money left to help you with college. We’re going to assume they won’t be helping you.

The fact that you’re getting zero assistance doesn’t matter. You could literally be living in another country paying all your bills and you’d still count as a dependent and have to report their income as your own.

The Thoughtless Approach

Because of your parents income, you’re already disqualified from any college grants.

In the end you’re going to qualify for $5,500 in federally subsidized loans.

Let’s change one thing in this calculation. Now assume you’re 24 years old.

At this point, you’re legally independent.

(It doesn’t matter if you still live with your parents and buy nothing for yourself. FAFSA really doesn’t care. Naturally, it’s not the best approach but it is odd to think that qualifies as independent versus an 18 year old paying their own living expenses. But these aren’t my rules. I just play by them.)

The Thought Out Approach

This will give you the benefit of over $5900 worth of grants. That’s over $23,000 in savings for a four year degree.

If that isn’t enough for you then they also offer nearly $10,000 in federally subsidized student loans.

Here is the real question: Is delaying college worth an extra $20,000 in your pocket?

Naturally, that depends on a lot of factors but if you’re not planning on a high income career after college then it’s probably a reasonable investment.

Here Is The Catch…

This certainly isn’t free money.

It requires you change your approach and get creative.

“Independence” isn’t cheap. It can cost six years of your life. If you’re looking for a shortcut then you can also:

  • Get married
  • Join the military

I can assure you, none of these options are easy.

In the perfect world, this is how I’d approach it…

To reiterate, in hypothetical non-advice world:

First thing, get a real job.

Don’t settle for the easiest job you can get. Look for something where you can gain a skill and make real money. That can be tough without a college degree but there are options. (Sales is a particularly good one if you’re a people person.)

Now don’t be dumb with that money.

Even more important, don’t save that money willy-nilly. This is key. Where you put your money is important. If you don’t plan in advance then you may be able to self pay but you’ll miss out on the benefits of FAFSA.

I’d focus on building non-reportable assets:

  • 401k
  • IRA
  • Life insurance (as a banking instrument. It gets complicated.)
  • Personal residence

These are things that won’t count against you on your FAFSA but they provide a long term benefit.

Using this strategy and a mediocre job you could put away tens of thousands of dollars that will keep growing while you’re going through college. Then, you’ll also reap the benefits of the federal subsidy.

Easy enough?

Yea… I don’t think so either.

It is possible though.

The Most Important Thing

This isn’t about using any particular complex strategy for the sake of kicking-butt and taking names.

I’m writing this for the people that are looking for a better way.

The better way isn’t what I’m telling you about in this article.

The better way is taking control and getting creative with your own life.

You do not need to go to college ASAP.

There are strategies that could end up massively more efficient.

College is the thoughtless approach most students take. They bury themselves in debt without ever even understanding what that means.


The world is awash with opportunities (even today.)

You just need to be willing to look for them and take responsibility for them.

Image Sources: PXHere, PXHere, USAF, Wikimedia, Wikimedia, Donkey Hotey

FAFSA Wants You To Skip College! And Save Tens Of Thousands On It

How You Will Get Straight-A’s – Impress Teachers – And Having People Beg You To Tutor Them (And It Will Be Easier Than What You’re Doing Now)

Ever met a dope that still scored higher than you?

I know I did. And, believe it or not, it’s more common than you think.

Despite what you have been told, hard-work and intelligence are not the keys to good grades. In a study by Karpicke of Purdue University and Roediger, III of Washington University showed the right strategy can get you remembering 2.35 things for every minute of focused studying you’re doing now.

If you study wrong, you could be plummeting your grade by 67% (or more if you’re using a worse than normal strategy.) And many of the wrong strategies are one’s you’ve been taught to do your whole life!

Once I discovered this for myself, my whole world changed. I got C’s and D’s in highschool. In college, I was near the top of my class for my Engineering degree. Freshman year in college, I knew I had to spread the word.

I worked with one student (D.L, I’ll call him for soon-to-be obvious reasons.) He was going back to college after getting out of prison on a drug charge. He was retaking his English class – with the same teacher. A couple weeks into the semester, the professor pulled him aside and asked him, “how the hell some prison teacher could make him that much better – that fast?”

It wasn’t the teacher.

It makes sense the teacher wondered that. The changes that can take place when you change strategies are astounding.

Every minute you study ineffectively is wasted. Your grades may go up a little but it’s a losing battle. Effective studying skyrockets your scores faster – giving you more time to:

  • Learn more than you ever imagined
  • Improve your health, well-being, and non-academic life
  • Enjoy your time the way you want to

My book How To Study Happier teaches this strategy that let students memorize 2.35 things for every one they would normally memorize. Plus, it gives you dozens of other strategies and stories that can put you on the path to academic enjoyment – instead of just surviving. (And remember, no matter where you are in your journey, it just gets harder from here. Be prepared!)

All my books come with a 100% money-back guarantee – just send an email and my people will refund it – no questions asked.

I want to help you. Put it on me to prove it. Please give me that chance.

Last thing, inflation is making it hard for me to keep prices where they are. Server costs are going up and prices on my books may go up as soon as next week (as of the day of writing this.) So please act now. When these prices go up, there will be no exceptions made.

Right now, click the link, buy now, fill in the boxes, and get an instant download for you to have when you’re ready- while the price is holding.

Get your copy of my book about How To Get Happier Straight A’s.

It only costs $4.99 (and if these strategies don’t work like magic like it has for thousands of other students then you can get a full refund.)

Click Here To Buy Your Copy


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