Financial-Aid Experts
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One of the most lucrative financial-aid expert scams is typically coordinated with a U.S. reporter. In exchange for a kickback of the profits, a U.S. reporter agrees to promote a financial-aid critic or scholarship search service to the public. As profits accumulate from the illicit relationship betweem the phony financial-aid experts or scholarship book authors, the U.S. reporter recruits other reporters to participate. This scams produces a profit for both the phony financial-aid expert and the reporter that claim the critic is a financial-aid expert.
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Scams of Phony Financial-Aid Experts

The Scams of Phony Financial-Aid Experts
Scams of Phony Financial-Aid Experts

Hello. My name is Ron Thomas. I am a guest author for the Scholarship Blog. I would like to share with you some information about one of the most pervasive financial-aid scams that exist in the U.S.A. It relies upon the use of so-called Financial-Aid Experts. It is one of the most lucrative financial-aid scams in the country. Persons promoting themselves as financial-aid experts partner with members of the U.S. media to generate huge profits. Sometimes the estimated profit is at least $200,000 per year or can be in the millions of dollars depending upon how manu print reporters participate with the phony financial-aid expert. These estimates are based upon independent reports related to traffic reports, and average lead follow-throughs, and typical web data.

Here is a brief summary of how one component of the financial-aid expert scam seems to work: The corrupt main-stream media reporter works in conjunction with so-called nationally-recognized financial-aid experts. A corrupt U.S. main-stream reporter quotes the phony financial-aid expert, builds up the financial-aid critic by repeatedly referring to him/her as a 'Financial-Aid Expert' and refers students and parents to his/her website, scholarship search service, or financial-aid books. This generates monetized traffic to the financial-aid expert. In return, the U.S. media print reporter receives a kickback of the income generated by the phony financial-aid critic. If the phony financial-aid critic is hustling a financial-aid book, then the reporter will often share in the income proceeds. There are other components, but we just wanted to highlight the most pervasive of the financial-aid expert scams. None of these deals are disclosed to the public.


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>Many Reporters Do not Disclose Financial or Money Relationships with Financial-aid Experts.

Parents and students are not directly impacted, other than the fact that the scholarship search service associated with the alleged financial-aid expert typically sells the personal data of the student or adult using the scholarship search service to a third-party connected to a member of National Association of Student Financial-Aid Administrators, or to a member of the National Scholarship Provider's Association. The reporter is not providing the consumer honest services because the reporter does not disclose the details why the phony financial-aid critic is referred to as a Financial-aid expert, or the source of income that is paid to the reporter.
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Claims of Financial-Aid Expert Needs to be Verified and Licensed.

The fact that the phony financial-aid expert claims to be a financial-aid expert, or is quited by numerous media sources does not mean that the phony financial-aid expert is a legitimate financial-aid expert. We have developed these questions for you to ask any U.S. reporter that claims he/she is citing or using a so-called financial-aid expert in an article. As a general rule of thumb, any person claiming to be an 'Financial-Aid Expert' is not an expert unless he/she is licensed by U.S. Stock exchange, or a federal or state agency. Use of the title 'Financial-aid Expert' without government certification is a violation of section F of the FTC Act. However, if the 'Financial-aid expert' was a government informant, and the title was created for the benefit of the government, the FTC overlooks this crime.

Table of Questions for U.S. Reporters that Claim their source is a Financial-Aid Expert
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  1. What specific degree(s) or government certification has the male subject attained that qualifies him/her to be a Financial-Aid Expert?
  2. Has the male subject that the main-stream claims is a Financial-Aid Expert ever worked as a government informant?
  3. Has the male subject that the main-stream claims is a Financial-Aid Expert ever worked as a colleague of convicted F.B.I. spy Robert Philip Hanssen?
  4. Does the newspaper, reporter, or male subject that purports to be a financial-aid expert stand to profit in any way, shape, or form as a result of a book, referral to a scholarship search site, or via an affiliate relationship with a student loan company?
  5. Is the male subject that purports to be a financial-aid expert on the payroll of the National Security Agency?
  6. Is the male subject that purports to be a financial-aid expert on the payroll of any financial-aid, loan, or for-profit company that uses social-gaming, or lottery-style methods of financial-aid, or virtual curency whereby the scholarships applicants are chosen by luck, chance, or random acts?
  7. Does the male subject that is purported to be a financial-aid expert have any characteristics identified in the Warning Signs of a Phony Financial-Aid Expert published by the Scholarship Blog?
  8. Does the male subject that purports to be a financial-aid expert have any relatives employed by or contracted with the FTC, F.B.I., U.S. Department of Education, or any other government agency?
  9. Does the male subject that purports to be a financial-aid expert have any relatives employed by or contracted with any main-stream media publication; e.g, Newsweek, etc.
  10. Was the male subject that you claim to be a financial-aid expert ever employed by any college or university that was also a member of NASFAA (an organization cited by the New York Attorney General as connected with massive student loan fraud via its members).
  11. Is the male subject that is purported to be a financial-aid expert associated with or a member of the National Scholarship Provider's Association? This organization has a history of using controversial persons, policies, and guidelines that do not benefit students, moms, or women.

Warning Signs of Phony Financial-Aid Experts

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  1. Beware of persons claiming to be a Financial-Aid Expert that have a history of also being a U.S. government informant;
  2. Beware of persons claiming to be a Financial-Aid Expert that have a history of publishing claims of being an 'expert' in financial-aid but lack any degree, or government certification specifically related to the subject of financial-aid;
  3. Beware of persons claiming to be a Financial-Aid Expert that have a history of publishing 'scholarship scam' or financial-aid criteria that is the product of their own imagination rather than official criminal cases that resulted in prosecution;
  4. Beware of persons claiming to be a Financial-Aid Expert that have a history of having several failed jobs that are not related to the topic of financial-aid, and who appear to accept jobs based upon salary rather than the benefit of humanity;
  5. Beware of persons claiming to be a Financial-Aid Expert that have a history of publishing 'scholarship scam' or financial-aid criteria that changes based upon their employment, or location of their employer. For example, if a purported Financial-aid Expert claims that "Many scams also seem to originate from [Florida] or [California]" but this criteria changes for no reason, or is unsubstantiated, or previously used states that are now associated with his principal advertiser or employer then you know that the Financial-Aid Expert is phony;
  6. Beware of persons claiming to be a Financial-Aid Expert that have a history of publishing 'scholarship scam' criteria or other financial-aid related data that changes based upon their source of income or amount of advertising revenue generated;
  7. Beware of persons claiming to be a Financial-Aid Expert that uses the N.Y. Times, Bloomberg News, Detroit Free Press, U.S.A. Today College, Wall-Street Journal, and other publications that may have a vested interest in receiving advertising dollars from the company that employs or is affiliated with the so-called Financial-Aid Expert;
  8. Beware of persons claiming to be a Financial-Aid Expert that are also associated with the suspicious National Scholarship Providers Association; this is a middle-man organization that creates an expense to scholarship sponsors and serves to censor information from students. The original literature of this organization speaks for itself, and is direct evidence of its intent and sinister political motives;
  9. Beware of persons claiming to be a Financial-Aid Expert that are employed by companies that use or promote lottery-style scholarships masqueraded as merit-scholarships. Lottery-style scholarships are won based upon scholarship points or social-gaming whereas merit-based scholarships are won based upon merit, essay, etc;
  10. Beware of persons claiming to be a Financial-Aid Expert who solicit and accept attention from the media. What they are doing is using the media to bring attention to their website, product, or service while the U.S. media refuses to question the credentials or claims of the so-called Financial-Aid Expert.
  11. Beware of persons claiming to be a nationally-recognized financial aid expert, since this is a coded phrase (Ref: Edward Snowden) that means U.S. government-supported informant. The term nationally-recognized is CIA/FBI terminology for government-sponsored informant;
  12. Beware of so-called Financial-Aid Experts and Financial-Aid critics that publish or quote inarticulate statements without qualification such as "They may even have official-sounding names, using such words as 'National', 'Federal', 'Federation', 'Division', 'Foundation', and 'Administration', or an governmental-looking seal to fool you into thinking that they are federal agencies or grant-giving foundations." What these statements fails to address is that the U.S. Patant and Trademark Office has thousands of companies using names with combinations of these terms;
  13. Beware of so-called Financial-Aid Experts and Financial-Aid critics that publish or quote statements that suggest an endorsement of Socialist principles, or an affiliation with the Communist Party USA. For example, Edward Snowden revealed that certain public persons are actually Government informants and/or supportive of communist policies. Financial-Aid critics or websites that claim Never invest more than a postage stamp to get information about scholarships suggest a Socialist or Communist affiliation contrary to U.S. Capitalism that endorses the exchange of fees for services rendered;
  14. Beware of so-called Financial-Aid Experts that have a history of selling financial-aid books that misuse the trademarks or logos of companies without permission in an attempt to deceive students and parents about the endorsement or approval of the book;
  15. Beware of so-called Financial-Aid Experts and Financial-Aid critics that publish or quote statements that suggest inconsistent terms with respect to their criteria. For example, if a Financial-Aid Expert of Financial-Aid Critic claims "Be wary of any charges related to scholarship information services or individual scholarship applications, especially in significant amounts." or uses hypothetical percentages such as " Ninety-nine (99%) of legitimate scholarship sponsors do not charge application fees." then this inarticulate statement underscores the persons lack of knowledge and experience. The term significant is entirely dependent upon the parties of the transaction;
  16. Beware of scholarship search services and companies typically associated with scholarship book publishing (for example Petersons) or scholarship search services, but who moonlight or try to pretend to be scholarship sponsors or financial-aid experts. Petersons is an affiliate marketer and "partner" of lottery-scholarship operator Scholarship Points. Imagine a doctor trying to play the role of the player he/she treats. With Border's closed down, and the emergence of the smart-phone, it is safe to assume that Peterson's is not selling many Scholarship Books, and therefore may have gotten desperate in becoming a partner with Scholarship Points.

Main-stream media publications that use or cite phony, suspicious, or illegitimate Financial-Aid Experts

If any main-stream U.S. reporter employed by the Wall Street Journal, New York Times, USA Today, MSN, CNN, NBC, ABC, CBS, CNBC, Bloomberg, The Kansas City Star, Pittsburgh Post Gazette, Money Magazine, SmartMoney, Kiplinger's Personal Finance Magazine, US News & World Report, Consumer Reports, Newsweek, Bankrate.com, Boston Globe, Chicago Tribune, Chronicle of Higher Education, Los Angeles Times, San Francisco Chronicle, Washington Post, Reuters and the Associated Press, and others fails, refuses, hesitates, or pauses to answer any of the aforementioned questions, and provide evidence in support thereof, then you should consider their claims of the subject person as a Financial-Aid Expert to be false, untruthful, and/or a deliberate lie. In fact, it is more likely that the male subject is simply a government informant, financial partner of the reporter, or a skilled self-promotion artist whose goal is to generate profit via a book deal, or his employer.

School Districts in the U.S.A. and many educators use a false Financial-Aid Expert as a source

Who likes to be force fed? Only babies accept to be force fed. When your educator, or teacher cites financial-aid articles from THEIR financial-aid role model (a person who worked as a govenment informant that snitched on students) then you do not have to accept their choice or the media's choice.

These newspapers and print publications have been known to use so-called Financial-aid Experts that are suspicious in origin, and who fail several red-flags concerning his authenticity. The Kansas City Star, Pittsburgh Post Gazette, Money Magazine, SmartMoney, Kiplinger's Personal Finance Magazine, US News & World Report, Consumer Reports, Newsweek, Bankrate.com, Boston Globe, Chicago Tribune, Chronicle of Higher Education, Los Angeles Times, San Francisco Chronicle, Washington Post, Reuters and the Associated Press, and others should be viewed with caution when they fetch their 'Financial-aid Expert' out of his dog house for a reference.

If you, as a parent, student, or mom would like to verify or question the claims of a U.S. reporters that uses a suspicious financial-aid expert as a source then simply cite this report, ask the printed questions above, or email me. If the reporter fails, refuses, hesitates, or pauses to answer any of the aforementioned questions, and does not provide evidence in support of their claims that the person they claim is a financial-aid expert, then you should consider their claims of the male subject as a Financial-Aid Expert to be false, untruthful, and a deliberate lie. In fact, it is more likely that the reporter is sharing profits with the same person claimed to be a financial-aid expert, and that the principal goal of the self-promotion artist is to generate profit via a book deal, or for his employer.

Articles that Discuss Alleged Financial-Aid Experts

The Scholarship Blog is an excellent reference source for unbiased, news, information, and sources related to scholarships, grants, and financial-aid.
Nevada Business Directory Reports Rates Least Credible Media source for Scholarships and Grants
Scholarship Blog: Misleading Financial-Aid, Scholarship Points
CBS News Report: Fastweb Fails Scholarship Search Sting Investigation

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Last Updated: Tuesday, December 06th 2016, 7:04:27:AM MST
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