Consultants Help Families Pay Less for College

A new breed of planners shows parents how to win more student aid

There were many stressful, soul-searching days. But the day that Beth Bumbarger recalls as the worst is the one when her husband, Daniel, wondered aloud, "What if I hadn't gotten sick?"

The Bumbargers were trying to figure out how they were going to pay for college for their son, Danny. Homeowners in Hudson, Mass., they own and manage an engineering business. Their income fluctuates from year to year, but it is

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