KALMAN A. CHANY is the founder and president of Campus Consultants Inc., (www.CampusConsultants.com) a New York City–based firm that guides parents and students through the financial aid process. In addition to counseling thousands of families on the aid process, he has conducted workshops for corporations, schools, and other organizations. He also trains financial professionals regarding financial aid consulting. Kal is a frequent guest on television and radio shows across the country.
GEOFF MARTZ is a writer living in New York City.