Great Advice for Students & Parents

At Inceptia, the heart of our nonprofit mission is to arm you with the knowledge necessary to make informed financial decisions – and that includes helping high school students navigate the college planning process.

As a high school junior or senior, you and your families have some pretty big choices to make over the next year or two. Because these choices can make a big impact on your financial future, we created a guide to help you and all of the people who make a difference in your life every day: parents, family members, counselors, teachers, and every other mentor and educator that is committed to your success as a student. We have teamed up with the personal finance site NerdWallet to release our first edition of “Great Advice for Parents.” This free eGuide offers timely advice on what you and your families should know leading up to and during the college enrollment process, as well as steps you can take now to become financially prepared. Here’s a sneak peek at just some of what you’ll find in this eGuide.

  • Picking the right college to avoid student debt
  • Financial Aid secrets
  • 8 Things High School Grads Need to Do Before Leaving College

If you want to use this as your guidebook, go for it! We want you and your family to feel confident as you transition into a college student with a solid foundation on the ins and outs of all things finance. Whether tackling budget development or discussing ways to avoid student debt – we’ve got you covered.

Visit to download our eGuide. With the tips and advice you’ll gain, we hope you’ll go into the year ahead well-informed and confident about your college planning process.

Great Advice for Great Students

Way to go, Class of 2016!

You’ve reached a big milestone — and it’s only just the beginning. Now it’s time to make some plans to see where life can take you (and how some smart money strategies can help you along the way).

Inceptia is here to help you get started on your journey. That’s why we’ve put together our free “Great Advice for Grads 2016” eGuide.

Consider it a really cool playlist to take along on your ride. You’ll find practical information that you’re going to need sooner than later, along with career advice from people who ought to know.

Here’s a sneak peek at just some of what you’ll find in the eGuide:

• Tips for becoming financially ready for the real world

• The top five things to do about your student loans after graduation


• Three things every college grad should know

• Lessons learned in corporate America

Get your copy of “Great Advice for Grads 2016“! Scan the QR code or go to to download it. Like your diploma, it’s going to come in handy on your road to success.


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Eat Cheap, Without the Junk

Is your regular diet consisting of more “junk” than “food?” Have the dining hall options that used to satisfy you now leave you with a bad taste in your mouth? Are you just bored with your routine and want to find ways to mix it up or nourish yourself within your budget? Well then get ready foodies, because this Pinterest page is full of recipes and dining hall hacks to help you break out of the rut, fuel your brain for finals, and eat on the cheap. Because hey, making your own food is one surefire way to save some serious cash. And if you’ve got any food tips or hacks of your own that you want to share, tweet us @MoneyKnowl.


To check out the Pinterest page by Texas Tech University Advising, click here.

Some Things Just Aren’t Worth the Money

Buyer’s remorse – we’ve all been there, right? We make a purchase that seems like a good idea at the time, but turns out to be a disappointment in the end. Following the latest trends, having easy access to impulse buys, or acting on suggested purchases while you’re online are some of the biggest culprits in fostering these spending habits. If this is a pattern for you, the New Year is a perfect time to break the cycle by asking yourself which purchases are worth the money, and which are not. In this article, see what other folks think are the biggest wastes of money, and use their insight to help you leave those impulse buys and splurges in 2015.

Click here to read Libby Kane’s article, “11 things that are never worth the money”.

What You Need To Know About Lowering Your Student Loan Payment

If you’re anything like Acacia Squires, you may have no idea that there are federal loan repayment options that can cap your payments at ten percent of your income. That’s right – ten percent, with the potential to have your loans forgiven after so many years in repayment. In this article, Acacia shares her surprise at not only finding out that such programs exist, but that she actually qualified for them. Hear her story of discovery and exploration of what works – and doesn’t – when it comes to your loan servicer.

To read “Did You Know You Can Lower Your Student Loan Payments? I Didn’t” by Acacia Squires, click here.

And don’t forget to check back in a few weeks when we share more information about the new REPAYE option, which will allow even more borrowers to qualify for loan forgiveness and a ten percent payment cap.

13 Tips for Saving Money At Home This Winter

Saving money isn’t just about clipping coupons or cutting back on spending. How well your home or apartment is winterized can have a major impact on your budget, too! If you’re looking for some tips to get your humble abode ready for the upcoming winter months, we’ve got you covered with these 13 winterizing hacks. From getting heavier drapes to covering your water heater to adjusting the thermostat, you can take some minor (or major) steps to save some cold-weather cash. After all, not all of us can use feathers to stay warm…(ahem, Knowl).


To read “13 Hacks to Winterize Your Home – And Trim Your Heating Bill” by Teresa Mears, click here.