College Financing & Debt Understood

It's Never Too Early or Too Late

Let's Go!
Free!
Responsible College Advocates

Impacting College Financing & College Debt with Responsible College Advocates

Responsible College Advocates© provides two programs to assist families and students. These programs give you clarity when paying for college and paying off college loans. First, we aid families in understanding how to pay for college in the right way. Secondly, we are able to assist the students and families through their loan payoff. As a result, we have been able to impact many lives across the country. Lastly, all of our resources, reporting and strategies are provided at no cost. We are proud to be called a free resource through our partnership with the Heartland Institute of Financial Education.

Our Programs

The Affordable College Plan©

If college is coming up, learn about the community resource here to help. Through this program you'll find an answer to the Pay-for-College question.
Learn More

The College Debt Elimination Program©

A custom savings strategy resulting in reduced time in debt and interest paid. If this is you, click the link below to learn more.
Learn More
Watch a Custom Presentation of The Affordable College Plan

FAQ about Responsible College Advocates

Resulting from our partnership with the Heartland Institute of Financial Education, a national non-profit, we are proud to be a Community Resource. For this reason, we provide all of our content, strategies, and resources at no cost, ever. As a result, we have had an impact across the country.

Through our partnership, Heartland Institute of Financial Education sponsors our required certifications. With this, our specialists are trained to solve a family’s college financing problem while completing lifestyle goals. A Certified Pay-for-College Specialist is also trained on:

  • FAFSA Optimization
  • Timeline Reporting
  • Important Communication
  • And more!

Through our partnership, Heartland Institute of Financial Education sponsors certifications required for all Responsible College Advocates© advisors. As a result, a Certified College Debt Specialist is qualified to help anyone with college loans & debt. Also, from using a custom savings strategy, you can put the power of your dollar back in your hand.

The Responsible College Reach

44 of the 50 States & Growing!
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Missouri
  • Montana
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Responsible College Advocates Articles

The Dis-Ease of Today

The Dis-Ease of Today written by This current environment has been a true test of our ability to settle on our plans for the future. 

Read More »
Stanley J. Targosz III January 7, 2021

The Power of Your Dollar

The Power of Your Dollar Recapturing YOUR Time & YOUR Interest written by https://www.responsiblecollege.com/wp-content/uploads/2020/08/The_Power_of_Your_Dollar.mp4 Putting Yourself at the Center of Your Repayment Strategy What does

Read More »
Nicholas Stevens August 26, 2020