My husband and I were given to understand that due our combined income, our three children—all university bound—wouldn't qualify for any government educational grants/loans and so we didn't apply for our first child. However, after attending your presentation and going through your materials, I am pleased to say that last year, we made applications for all three of them and they got a total sum of $11,958 which was a great help towards their tuitions. Thank you for providing such useful information and your support. You're a life-saver!!