{"id":44178,"date":"2025-09-02T11:00:07","date_gmt":"2025-09-02T15:00:07","guid":{"rendered":"https:\/\/www.afcpe.org\/?p=44178"},"modified":"2025-08-29T13:13:36","modified_gmt":"2025-08-29T17:13:36","slug":"real-money-real-experts-michelle-smoley","status":"publish","type":"post","link":"https:\/\/www.afcpe.org\/news-and-publications\/blog\/real-money-real-experts-michelle-smoley\/","title":{"rendered":"Real Money, Real Experts: Counseling Families Through College Costs with Michelle Smoley, AFC\u00ae"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"44178\" class=\"elementor elementor-44178\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-5a666f42 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"12224\" data-id=\"5a666f42\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c0cb10b\" data-eae-slider=\"64832\" data-id=\"7c0cb10b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f0b6faf elementor-widget elementor-widget-text-editor\" data-id=\"4f0b6faf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"text-align: center;\"><strong><span style=\"color: #002e5d;\">Episode 131:<\/span> <\/strong><\/h2><h2 style=\"text-align: center;\">Counseling Families Through College Costs with Michelle Smoley, AFC\u00ae<\/h2><p style=\"text-align: center;\"><a href=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2025\/08\/Michelle-Smoley-Transcript.pdf\">Download the transcript<\/a> or <a href=\"https:\/\/youtu.be\/C0gRFIZ7Iuo\">watch on Youtube!<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-7ab78d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"95552\" data-id=\"7ab78d2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-55adeec\" data-eae-slider=\"5918\" data-id=\"55adeec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-48f0104 elementor-widget elementor-widget-shortcode\" data-id=\"48f0104\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div id=\"buzzsprout-player-17735986\"><\/div><script src=\"https:\/\/www.buzzsprout.com\/1090013\/episodes\/17735986-counseling-families-through-college-costs-with-michelle-smoley-afc.js?container_id=buzzsprout-player-17735986&player=small\" type=\"text\/javascript\" charset=\"utf-8\"><\/script><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-15df601 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"24887\" data-id=\"15df601\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-45a23b7\" data-eae-slider=\"40399\" data-id=\"45a23b7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-765a884 elementor-widget elementor-widget-text-editor\" data-id=\"765a884\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In this episode of\u00a0<em>Real Money, Real Experts<\/em>, we sit down with Michelle Smoley, AFC\u00ae, a seasoned financial counselor with over two decades of experience guiding families through the higher education journey. Michelle shares her expertise in helping clients navigate student loans, financial aid, and the often-complex decision-making process around college financing.<\/p><p>From strategies for saving and borrowing wisely to addressing common misconceptions about financial aid, Michelle provides actionable insights for financial counselors and planners working with clients of all ages.<\/p><p>Whether you\u2019re counseling parents, students, or young adults preparing for college, this episode equips financial professionals with the knowledge and tools to provide informed, practical guidance.\u00a0<\/p><p><b>Show Notes:\u00a0<\/b><\/p><p><b>00:00<\/b>\u00a0Welcome to\u00a0<em>Real Money, Real Experts<\/em><\/p><p><b>06:31<\/b>\u00a0Michelle\u2019s Journey into Financial Counseling<\/p><p><b>13:01<\/b>\u00a0Key Trends in College Financing<\/p><p><b>23:01<\/b>\u00a0Common Misconceptions About College Costs<\/p><p><b>30:01<\/b>\u00a0Early Financial Education for Young Adults<\/p><p><b>53:31<\/b>\u00a0Michelle\u2019s 2 Cents<\/p><p><b>Show Note Links:<\/b><\/p><p><a href=\"https:\/\/www.thezebra.com\/resources\/research\/financial-independence-report\/\">T. Rowe Price\u2019s 12th Annual Parents, Kids, &amp; Money Survey<\/a><\/p><p><a href=\"https:\/\/www.credible.com\/\">Michelle&#8217;s favorite Private Lendor platform<\/a><\/p><p><a href=\"https:\/\/findanafc.org\/\">Find an AFC\u00a0<\/a><\/p><p><a href=\"https:\/\/www.linkedin.com\/in\/michelle-m-smoley-mba-afc-3b9053216\/\">Connect with Michelle on Linkedin!<\/a><\/p><p>Want to get involved with AFCPE\u00ae?<br \/>Here are a few places to start:<\/p><ul><li><a href=\"https:\/\/www.afcpe.org\/membership\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"5d7a72d2d3708ff60b15b280\">Become a Member<\/a><\/li><li><a href=\"https:\/\/www.afcpe.org\/education\/\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"5d7a72d2d3708ff60b15b280\">Sign up for an Essentials Course<\/a><\/li><li><a href=\"https:\/\/www.afcpe.org\/certification\/afc\/\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"5d7a72d2d3708ff60b15b280\"> Get AFC Certified today!<\/a><\/li><\/ul><p>Want to support the podcast? We love partnering with organizations that share our mission and values. <a href=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2022\/10\/Podcast-Media-Kit-2.pdf\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"5d7a72d2d3708ff60b15b280\">Download our media kit.\u00a0<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-top-section elementor-element elementor-element-939b31f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"95841\" data-id=\"939b31f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3dbbc8b\" data-eae-slider=\"71315\" data-id=\"3dbbc8b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"has_eae_slider elementor-section elementor-inner-section elementor-element elementor-element-f2f9b2f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-eae-slider=\"3463\" data-id=\"f2f9b2f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"has_eae_slider elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c30c659\" data-eae-slider=\"58473\" data-id=\"c30c659\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b929831 elementor-widget elementor-widget-text-editor\" data-id=\"b929831\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b><img decoding=\"async\" class=\" wp-image-9362 alignleft\" src=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/12\/AFCPE-Star-Mark-Yellow-e1575567083714-261x300.png\" alt=\"\" width=\"80\" height=\"91\" srcset=\"https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/12\/AFCPE-Star-Mark-Yellow-e1575567083714-261x300.png 261w, https:\/\/www.afcpe.org\/wp-content\/uploads\/2019\/12\/AFCPE-Star-Mark-Yellow-e1575567083714.png 506w\" sizes=\"(max-width: 80px) 100vw, 80px\" \/><span style=\"color: #002e5d;\">Want to get involved with AFCPE\u00ae?<\/span><br \/><\/b><span style=\"color: #002e5d;\">Here are a few places to start: Become a\u00a0<a style=\"color: #002e5d;\" href=\"https:\/\/bit.ly\/3WjHkLZ\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #1561ae;\"><strong>Member<\/strong><\/span>,<\/a>\u00a0Sign up for an\u00a0<strong><span style=\"color: #1561ae;\"><a style=\"color: #1561ae;\" href=\"http:\/\/bit.ly\/3QOltuN\" target=\"_blank\" rel=\"noopener\">Essentials Course<\/a>,<\/span><\/strong> or\u00a0<span style=\"color: #1561ae;\"><strong><a style=\"color: #1561ae;\" href=\"http:\/\/bit.ly\/3wtDCVD\" target=\"_blank\" rel=\"noopener\">Get AFC Certified<\/a>\u00a0today!<\/strong><\/span><\/span><\/p><p><span style=\"color: #002e5d;\"><b>Want to support the podcast?\u00a0<\/b>We love partnering with organizations that share our mission and values.\u00a0<span style=\"color: #1561ae;\"><strong><a style=\"color: #1561ae;\" href=\"http:\/\/bit.ly\/3YgbIIw\" target=\"_blank\" rel=\"noopener\">Download our media kit.<\/a><\/strong><\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Episode 131: Counseling Families Through College Costs with Michelle Smoley, AFC\u00ae Download the transcript or watch on Youtube! In this episode of\u00a0Real Money, Real Experts, we sit down with Michelle Smoley, AFC\u00ae, a seasoned financial counselor with over two decades of experience guiding families through the higher education journey. Michelle shares her expertise in helping clients navigate student loans, financial [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":44179,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_cbd_carousel_blocks":"[]","_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[1],"tags":[149],"class_list":["post-44178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-podcast"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - 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