Jim welcomes College Finance Consultant Kathy Ruby from College Coach. Kathy has extensive experience counseling families on financial aid applications and discusses how students and their families can compare financial aid packages, and offers tips for increasing a student’s financial aid offer. She discusses the various types of financial aid opportunities, as well as work/study programs that are considered part of a financial aid program. Prior to working for College Coach, Kathy worked ten years as director of financial aid and four years as assistant vice president of enrollment and dean of student financial aid at St. Olaf College.