The document summarizes the challenges students face in planning and paying for college, but also presents opportunities. It notes that conventional wisdom around saving and financial aid is often misleading due to lack of student experience. Colleges aim to maximize revenue through financial aid offers. However, it presents opportunities such as attending less competitive schools that want students more and will offer more aid, negotiating offers through appeals, using assets strategically, and achieving multiple financial goals. It recommends getting expert help if needed to navigate the complex process successfully.