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The Biggest Financial Decisions of Their Lives
Pay Less for College is a college financial aid and affordability guide that lays out for parents and students a clear and practical roadmap for cutting the true cost of a college degree. Why was this an important book for you to write?
Families are often making one of the biggest financial decisions of their lives in a fog. Students and parents are rightfully overwhelmed. And the guidance they get is often cookie-cutter for a system that doesn’t financially reward a cookie-cutter approach. During our 15 years in this field we have seen and heard about the financial landmines families step on – sometimes from inexperience, misinformation, desperation, or other factors. We wanted to clear out the fog and help families create a realistic, step-by-step plan to keep college affordable. Instead of vague advice, we focus on what actually moves the needle on cost– the things families can control.
In your book, you cover the latest and upcoming changes to the FAFSA, PLUS Loans, Pell Grants, and college financial aid policies. What are some key points that parents and students need to know about these options for financial aid?
The FAFSA and Pell Grants underwent major changes that were fully implemented in the 2024-25 academic year. The book walks readers through every part of the new FAFSA and breaks down the updated undergraduate Pell Grant eligibility rules. In spring 2025, Congress passed a budget bill that changed PLUS Loans, including significantly lower annual and lifetime limits for new borrowers of undergraduate loans. This may leave private loans with their less favorable terms as the only borrowing option for parents in the student’s third or fourth years.
What are some common mistakes or oversights that people make when deciding what college to attend, and what advice do you have to help others avoid these mistakes?
Colleges should be right for students academically, socially, and financially. Students often only apply to colleges they have heard of, ones their relatives want them to go to, or the ones their friends are applying to. They fill out the required financial aid forms and cross their fingers. Those schools may be okay academically or socially but financial fit is more complicated. It is often the most misunderstood part of the college search process.
If saving money is important to you, dig into the college’s financial aid policies to see how they align with your individual financial situation. Also, look for colleges that will love you back – those where your genuine interests and capabilities meet or exceed what the college is looking for. And finally, submit an application that showcases your strengths and makes it easy for the admissions officers to see your value.
What is one thing that you hope readers take away from Pay Less for College?
That they have more control than they think. When families build a smart college list, apply at the right time and in the right way, understand how aid really works, evaluate offers carefully, and trim costs–both big and small–before, during, and after college, they can meaningfully cut the real cost of a college degree.
Author Links: Amazon | GoodReads
Choosing a college is about finding a place where you belong—a place that fits your goals, your heart, and your wallet. Paying for college may be one of the biggest financial challenges you’ll ever face–but it doesn’t have to be harder than going to college. You can honor your dreams without sacrificing your financial future.
Pay Less for College is the go-to college financial aid and affordability guide for parents and students who want to make smart, confident choices. It offers clear, actionable insights to help you save real money—often tens of thousands of dollars—by:
Finding the colleges most likely to be generous
Understanding how and why a college will love you back
Demonstrating your value to that school
Avoiding common, costly mistakes
Cutting costs, both big and small
Why pay more than you have to?
Smart strategies. Real savings. The confidence to say yes to the dream—and afford it.
_____________________________________________What’s new in the 4th Edition
Fully updated to cover the latest and upcoming changes to the FAFSA, PLUS Loans, Pell Grants, and college financial aid policies.
Expanded tools and examples that help families understand college costs, maximize need-based and merit aid, compare true net prices, and submit standout applications.
Inside you’ll find
Part I: College Costs and Financial Aid
Understand exactly what college will cost and how financial aid works.
Part II: How to Pay Less for College
Learn how to increase aid eligibility and find the most generous colleges.
Part III: Planning
Turn knowledge into action with concrete family planning tools.
Part IV: Resources and Tools
10 detailed appendices, including guides to the FAFSA, CSS Profile, Pell Grants, and financial aid if your parents are unmarried, divorced, separated, remarried, or widowed, as well as tools to help you identify your academic strengths, social needs, and college priorities, and how to make your personal outreach most effective.
Miracles Beyond The Crowd
Miracles Beyond the Crowd is a heartfelt call to push past spiritual passivity and step into a faith that moves, reaches, climbs, and refuses to settle. Author Nico Smit weaves together vivid Gospel narratives with pastoral insight, showing how people who pursued Jesus with grit and hunger were the ones who encountered breakthrough. The book traces stories like the woman with the issue of blood, Bartimaeus, the paralytic lowered through the roof, and the Canaanite woman, and shows how each miracle came to someone who would not stay in the safety of the crowd. The message is simple and clear, yet full of fire. Faith walks. Faith presses in. Faith does not back down. Smit invites readers to become people who step toward Jesus even when blocked, ignored, or discouraged.
I was surprised by how personal the writing felt. The tone is warm and direct. It almost reads like a conversation with a pastor who refuses to let you drift into complacency. I felt challenged in ways that caught me off guard. Certain lines made me nod along, and others made me stop and stare because they hit something inside me. The stories are familiar, yet Smit retells them with a kind of urgency that made me feel the tension in each moment. When he describes the woman crawling through the crowd or the friends ripping open a roof to get to Jesus, I could almost feel the dust and desperation. The writing moves quickly and stays clear, and it stirred up old questions for me about what I have quietly stopped believing God for.
I also appreciated how honest the book is about resistance. Smit does not pretend that faith is polished or pretty. He talks about faith that crawls, shouts, stumbles, and keeps going anyway. I felt a kind of relief reading that. It made space for the days when hope feels thin, and the crowd feels loud. The tone is bold and I could feel it pushing me to examine the ways I settle for proximity to Jesus without actually pursuing Him. There were moments I felt encouraged, and others where I felt exposed in the best possible way. The writing carries a strong emotional pull. It made me want to stand up and believe again for things I had quietly filed away.
Miracles Beyond the Crowd is a passionate and stirring read. I would recommend it to anyone who feels stuck, weary, or spiritually dull, and especially to those who believe in Jesus but have lost the fire to chase after Him. It is a great fit for people who love practical faith stories, people who enjoy devotional style encouragement, and anyone longing for fresh hope.
Pages: 122 | ASIN : B0FX5ZH62M
Shero Entrepreneurs
SHERO Entrepreneurs is a collection of powerful personal stories from women who built businesses out of grit, heartbreak, courage, and hope. The book brings together interviews, reflections, and affirmations that walk the reader through the heart and hustle of ten entrepreneurs who turned adversity into purpose. As I moved through each chapter, I saw the common thread that ties them together. Every woman rose from something heavy and shaped a new life with her own hands. The book blends guidance, real struggle, and bright flashes of triumph in a way that feels honest and warm.
Reading it stirred something in me. I found myself pulled into the raw moments, the kind that sit in your chest for a while. The writing felt direct and personal. I could almost hear the voices of the women as they shared the reasons they stepped out on their own, the nights they questioned themselves, and the quiet victories they earned in the dark. The stories of illness, financial loss, and reinvention felt especially moving. Monica Chagolla’s journey back to meaningful work after serious illness captured the fragile mix of doubt and determination. Carolina Missett’s story of grief becoming a place of creation made me pause. Veronica Bahn’s reflections on visibility, loss, and legacy felt layered with both pain and fire. The writing does not hide real emotion. It offers it openly, and that openness gave the book its strength.
I also found myself smiling through several chapters. There is a down-to-earth charm in the way these women talk about building something from almost nothing. Patti Stoltz starting with three hundred dollars when it felt like three hundred thousand, Angela Barney juggling daycare, real estate, and Tupperware to keep her family steady, and so many others building piece by piece while learning on the go. Their stories brought a mix of admiration and comfort. I kept thinking how refreshing it was to hear success discussed without perfection. The ideas in the book are simple in the best way. Work hard. Stay kind. Learn fast. Lift others. Trust yourself. These messages land because they come from lived experience, not theory.
By the final pages, I felt a genuine sense of connection to the women in this collection. The affirmations sprinkled throughout added a gentle rhythm that reminded me to check in with my own path. I walked away from the book feeling both grounded and energized. It left me with a fuller sense of what resilience looks like in real life.
SHERO Entrepreneurs is a book I would recommend to women who are starting something new, women who feel stuck, and women who need proof that ordinary beginnings can still lead to extraordinary places. It is also a meaningful read for anyone who wants to understand the emotional landscape of entrepreneurship.
Pages: 253 | ASIN : B0FTPZFGNZ
Scams are the World’s Fastest-Growing Crime
Scams Are the World’s Fastest-Growing Crime is a straight-talking field guide to modern scams. Author Ken Ray walks through how scams evolved, why they work, and how they hit regular people in every channel of life, from phone and email to social media, crypto, fake stores, and in-person tricks. He starts with history and psychology, then gives a simple four-step model of every scam: setup, lure, attack, hook. After that, he moves into detailed profiles of common schemes, global impact, why victims stay silent, and how scammers pick their targets. He wraps it all up with danger scales, checklists, legal context, a glossary, and a very raw victim story, all tied to Scam Watchdogs’ mission to protect, educate, and expose.
What I liked most was the human focus. Ray keeps reminding me that scams are not about clever tech. They are about emotions and habits. He lays out trust, fear, greed, love, guilt, and overconfidence as levers that scammers pull, then shows how those levers show up in real situations like “grandparent” calls, romance cons, and fake tax threats. I felt angry reading the sections on shame and silence, and how victims stay quiet because they blame themselves or worry no one will listen. The chapters on the snowball effect and the global scale of the problem hit pretty hard too. They show how a tiny “test payment” can snowball into life-changing loss and how those losses add up across families, small businesses, and even trust in basic institutions. Reading that, I felt a mix of frustration and urgency, like this is not just sad stories; this is a public safety issue.
I liked how practical and plain the book feels. The tone is warm and professional but still sounds like a real person talking, not a legal brief. The early chapters give clear frameworks, then the scam profiles repeat the same structure each time with “setup, lure, attack, hook” and a danger rating. That rhythm made it easy for me to skim to what I needed. I also appreciated the checklists, the “Stay Safe” section, and the simple definitions at the back, since those are easy to share with less tech-savvy family members. The author’s note about using AI tools like ChatGPT as a helper, while taking responsibility for the facts, felt transparent and current, which I liked.
I came away feeling both rattled and oddly reassured. Rattled, because the examples show how easy it is for smart, cautious people to get pulled in, especially through investment and romance scams that mix money with emotion. Reassured, because the book keeps coming back to simple habits that anyone can build: pause, verify, talk to someone, report what happened. There is a steady compassion for victims that cuts through the usual blame, especially in the dedication and the closing message that every report turns a private loss into a public shield.
I would recommend this book to everyday readers who want to protect themselves and their families, especially people who do not live in the world of cybersecurity but still live on their phones and laptops all day. It is a strong choice for parents, caregivers, community leaders, and small business owners who need something they can hand to others without translation. People looking for a clear, empathetic starter guide and a reference you can dip into whenever a weird text or email pops up, it does the job very well.
Pages: 175 | ASIN : B0G35VCVP1
The Work in Between: A Memoir About Stepping Out of My Shadows
The Work in Between is a memoir that follows Gretchen Holmes through decades of illness, loss, trauma, and self-reinvention. She writes about her three rounds with thyroid cancer, her struggles with obesity and diabetes, a childhood marked by alcoholism and chaos, and the long climb toward emotional healing. The story moves through her early years in Michigan, her leap to New York University, her complicated family relationships, and the slow, steady work of understanding who she is and what she deserves in life. It is a book about survival, but also about learning how to live with intention instead of fear.
This is an emotionally stirring memoir. The writing feels honest. I found myself pausing and thinking about how she described fear and shame and the habit of keeping secrets. The scenes from her childhood hit hard. Her memories of her father’s drinking and the “dreads” that sat in her stomach felt painfully real. At the same time, the warmth of her family, especially her mother, shines through and softens the edges. I appreciated how she tells the truth without turning her story into a pity party. She owns her choices. She admits the messy parts. I liked that the book didn’t pretend healing happens neatly or quickly.
The parts about her medical journey brought out a different kind of emotion in me. The dismissal she faced from doctors, the exhaustion, and the way she pushed through school while barely able to swallow or breathe. I caught myself feeling frustrated for her. I also felt a weird sort of awe at her stubborn determination. When she talked about chaos being her comfort zone, I understood it more than I expected. The writing in these chapters has a steady rhythm that mirrors her resilience. Even when she writes about falling back into old patterns, I felt hopeful because she keeps showing up for herself. The mix of vulnerability and grit makes the book stick with you.
The Work in Between is not just a memoir about cancer or addiction or trauma. It is a memoir about the space between those moments and the quiet, uncomfortable work of changing your life from the inside out. I would recommend this book to anyone who has lived through hard stuff and is still trying to figure out what to do with it. It is also a good fit for readers who like personal stories that feel real and unpolished and full of heart.
Pages: 186 | ASIN : B0CZSHSJCL
The Profitable Author: 1,001 Ways to Build a Business You Love Around Your Books
The Profitable Author lays out a huge and lively roadmap for turning a writing life into a real business. The book moves through mindset, marketing, sales, income streams, and the day-to-day actions that keep an author afloat and happy. It mixes tough love with encouragement, and it shows how an author can build a long game instead of hoping for sudden fame. It also pushes the idea that authors can be multipreneurs who stack skills, products, and creative ventures on top of each other. I found myself flipping pages and feeling the book widen the definition of what an author can become.
The writing is direct and warm. It never hides how hard this business can be, yet it never slips into cynicism. Woodhouse talks about overwhelm and disappointment in a way that feels honest. She also pushes readers to think bigger. I liked how she blends practical advice with a kind of grounded optimism. I could feel her long experience in the field. She explains ideas like daily promotional habits, diversified income, and using personal strengths in a voice that feels friendly.
What struck me most was the emotional undercurrent. The book believes in authors. Not in a cheesy way. More like a steady voice saying you can do this if you show up and keep showing up. I loved how she reframes marketing as something flexible and personal. I also liked the sections about commitment. They hit me in that spot where doubt hangs out. The mix of stories, checklists, and bite-sized reflections creates an easy rhythm. I drifted between curiosity and excitement. Still, the tone stays kind. It feels like a mentor talking at the right speed for someone who wants change but does not want to burn out.
I think this book is a strong fit for authors who want to treat their writing as a real business without losing their soul in the process. It is great for beginners who do not know where to start and for mid-career writers who feel stuck. It works for introverts, side hustlers, and people who like having a big menu of choices instead of rigid rules. I would recommend it to anyone who has a book and a dream and finally wants a plan. It left me energized and surprisingly hopeful.
Pages: 510 | ASIN : B0DJV96V29
Identity Crisis: Who Am I, Really?
Identity Crisis blends memoir and spiritual teaching to explore what it means to find your true identity in God. Kelley opens with the raw story of his childhood in foster care, marked by neglect, abandonment, and the hurtful names that shaped how he saw himself. He then walks through his journey as a police officer, a husband, a new believer, and eventually a student of theology, all while learning to trade the labels of his past for the identity Scripture offers. From the early chapters on cultural confusion about identity to later ones on adoption, community, and endurance, the book reads like both a testimony and a guide for anyone asking who they really are.
Kelley’s reflections on trauma, performance, and the old names he carried hit with an honesty that doesn’t try to dress anything up. When he describes sitting in church week after week, slowly realizing God was dismantling the identity he had built on strength and achievement, it feels both vulnerable and relatable. The mix of personal story and teaching creates a rhythm that kept me leaning in rather than feeling preached at. Even when he steps into theological territory, the tone stays grounded in real experience, which helps the ideas land with more weight.
What stood out most to me was the way he keeps circling back to the tension between the world’s noise and God’s steady voice. His chapters on misplaced significance, false labels, and the limitations of self-discovery felt especially timely. The way he writes about social media, comparison, and the cultural pressure to self-construct shows he’s paying attention to the world we actually live in, not just the one inside church walls. His explanation of spiritual adoption later in the book adds depth, giving the reader something solid to hold on to. I appreciated how he acknowledged the slow, sometimes clumsy process of renewing the mind rather than offering a quick fix.
By the end, I felt the book had given me both a mirror and a map. A mirror, because so many of the fears and questions he names are ones most of us carry quietly. And a map because he lays out what it looks like to move from old identities into a new one shaped by faith, community, and Scripture. If you’re drawn to Christian nonfiction that blends story with teaching, or if you’ve ever felt weighed down by the labels life has handed you, this book will likely speak to you.
Pages: 241 | ASIN : B0G1NK5V76
Motion Dazzle: A Memoir of Motherhood, Loss, and Skating on Thin Ice
Motion Dazzle is a memoir about a daughter trying to keep her life steady while everything around her seems to slide in unpredictable directions. The book shifts between her years as a competitive figure skater and the present day as she juggles early motherhood, a marriage, and the slow, heartbreaking decline of her own mother. The chapters move in short, vivid pieces that echo the idea of dazzle camouflage and the incomplete way memory works. What unfolds is a layered story of love, loss, identity, and grit. The author’s voice is warm and sharp at the same time, and the result feels honest in a way that hits straight in the chest.
I was pulled into her world. The skating scenes are full of pressure and sparkle and fear, and Jocelyn Jane Cox writes them with such clarity that I felt like I was watching from the rink boards. The early chapters show her constant push to perform, to smile when she is hurting, to carry herself with poise even when she feels anything but composed. Later, watching her try to shape a first birthday party while her mother is in the hospital had me tensing up in real time. The tiny details of the zebra books, the blue painter’s tape, the quiches cooling on the counter caught me off guard because they were so tender and so fraught at once. I could feel her heart splitting open as she tried to make something lovely for her son while her grief pressed in from the edges.
The portraits of her mother are what stayed with me the most. The way she describes their twenty-year daily phone call, the quiet jokes, the listening, the stories from childhood that finally spill out in fragments. Grief shows up in the book like a tide that rises slowly, then all at once, and I found myself rooting for her to catch her breath. The writing feels bright, then raw, then bright again, and I loved that. It felt real. Not polished grief, but grief that stumbles and snaps and softens. I could feel her longing for more time and her guilt and her fierce love drowning each other out in waves. It made me think about my own family more than I expected.
Motion Dazzle would be a powerful read for anyone who has cared for an aging parent or anyone who has tried to grow a new life at the same time another one is fading. It would also resonate with former athletes or anyone who knows what it means to chase perfection even when it costs more than it gives.
Pages: 273 | ASIN : B0FHF95RKB
LITERARY TITAN 