This company has a college planning program called WAY Planning that you must enroll into (like college) in order to use. It suppose to be a 4 year program - or until the student graduates. The service was recommended to us by a financial aid officer at the University of South Alabama. We needed some help so my wife and I enrolled last September. They did do a little more than we were expecting and we got financial aid when we otherwise would not have. Showed us a plan to pay with current income to avoid the loans (probably the biggest value for the money). The only problem was that I have a brother out of state who wanted to enroll my niece and they only accepted applications in state - Alabama. My niece lives in GA. Other than that the program is pretty nice. Need to be a national service though IMO.

Annual enrollment for this program is every September 1st. We enrolled last year after hearing decent things about the program. Felt like we had nothing to lose with the 100% money back guarantee. Didn't need to use it thou... this program is a LIFESAVER!!! Heard about this from a co-worker who like us, were PACT contract holders. Long story short, If you need to save money for college or need a sound financial plan to pay and you don' want your student graduating with a bunch of student loan debt, GET ENROLLED. Down side is the cost ($1,295 for basic) but they do have several plans. I would say it's worth the money because we have already saved 4x that amount just with their financial aid strategies, not to mention the plan that's allowing us to avoid the future loans and interest. I guess the bottom line for most people is if they have the $1,200 to join. In my opinion, paying for college is much more costly. It's worth it!