In this episode of Real Money, Real Experts, we sit down with Michelle Smoley, AFC®, a seasoned financial counselor with over two decades of experience guiding families through the higher education journey. Michelle shares her expertise in helping clients navigate student loans, financial aid, and the often-complex decision-making process around college financing.From strategies for saving and borrowing wisely to addressing common misconceptions about financial aid, Michelle provides actionable insights for financial counselors and planners working with clients of all ages.Whether you’re counseling parents, students, or young adults preparing for college, this episode equips financial professionals with the knowledge and tools to provide informed, practical guidance. Show Notes: 00:00 Welcome to Real Money, Real Experts06:31 Michelle’s Journey into Financial Counseling13:01 Key Trends in College Financing23:01 Common Misconceptions About College Costs30:01 Early Financial Education for Young Adults53:31 Michelle’s 2 CentsShow Note Links:T. Rowe Price’s 12th Annual Parents, Kids, & Money SurveyMichelle's favorite Private Lendor platformFind an AFC Connect with Michelle on Linkedin!Want to get involved with AFCPE®?Here are a few places to start: Become a Member, Sign up for an Essentials Course, or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

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