A Smarter Way to Pay for College Without Sacrificing Your Retirement

We help high-income families use the money they are already spending on taxes and college more strategically, so it can help fund education today while building income and long-term value for tomorrow.

Build a coordinated plan around your family’s goals, with a dedicated specialist bringing tax, real estate, college, and long-term planning experts together under one roof.

Identify tax-saving opportunities designed to legally reduce taxable income and potentially keep more of the money currently going toward taxes within your family.

Evaluate real estate strategies for potential tax advantages, cash flow, and long-term wealth—based on whether you prefer a hands-on or hands-off approach.

Reduce the true cost of college by identifying opportunities through school selection, financial aid, appeals, tax scholarships, and smarter funding strategies.

Plan beyond college with ongoing strategies around retirement, tax-efficient income, and generational wealth that can be revisited as your family’s situation evolves.

One plan. One coordinated team. A strategy designed around your family.

Important: You do not need to choose a property, select a tax strategy, or make an investment decision today. The first decision is simply whether you want our team to begin building the right plan with you.

The Strategic Shift

College has to be paid for somehow.

Most families rely on savings, current income, a 529 plan, loans, or some combination of those options. Those tools can help pay the bill, but once the money is spent, it is gone.

WE ASK A DIFFERENT QUESTION:

Can the money you are already going to spend on taxes and college do more than one job?

Our approach looks for legal, practical ways to reduce avoidable costs, create income, and build assets that may continue benefiting your family long after tuition payments end.

We are not trying to create another expense — we are helping you determine whether the dollars already leaving your household can get a second life and work harder for your family.

What The Program Delivers

Four Outcomes This Program Is Built Around

Improve Tax Efficiency

Explore personalized tax-mitigation strategies that may reduce current and future taxes. When appropriate, qualifying real estate and accelerated depreciation may create meaningful first-year deductions. Every strategy is reviewed against your facts before implementation.

Create Potential Cash Flow

A tax deduction alone is not the goal. The objective is to identify assets that may also generate income — cash flow that can help support college costs today and may continue supporting retirement and long-term goals later.

Reduce the True Cost of College

Work the other side of the equation. School selection, financial-aid eligibility, appeals, loan strategy, tax scholarships, and available free-money opportunities can all materially change the final number.

Build Long-Term Wealth

College is temporary. A well-chosen asset does not have to be. The same strategy that supports education may continue producing cash flow, appreciation, tax efficiency, and generational value for years after graduation.

Educational content only. Individual results vary based on income, tax status, participation, and current law.
This is not a guarantee of tax savings, cash flow, or financial-aid outcomes.

The goal is not to solve a four-year college problem by creating a 20-year retirement problem.

Your 5-Step Strategic Roadmap

One Coordinated Team. Five Steps, In the Right Order.

You are not hiring us for one property, one tax idea, or one college-planning tactic. You are getting a coordinated team that helps you identify the right strategies, vet the options, and move through implementation in the right order.

1. Creative Strategy Specialist — your dedicated point of contact, understands goals, capital, timeline.

2. Tax Planning — mitigation strategies, CPA review, customized implementation.

3. Real Estate Solutions — bonus depreciation, cost segregation, acquisition support.

4. College Planning — selection, financial aid, tax scholarships, appeals.

5. Long-Term Planning — income planning, tax-free retirement, legacy strategy.

1 Creative Strategy Specialist

Your dedicated strategist keeps the entire plan and the right experts moving in the same direction.

Understand your family’s goals, tax situation, available capital, college timeline, and long-term priorities.
Create and update your high-level annual strategy.
Connect you with the right specialists at the right time.
Guide implementation, follow-up, and next steps.
Serve as your central point of contact across the five-step process.

2 Tax Planning

Evaluate a range of tax strategies and identify the ones that fit your financial picture.

Review your current tax situation and opportunities for greater efficiency.
Explore tax-mitigation and business tax strategies that may fit your circumstances.
Coordinate CPA review and appropriate due diligence before implementation.
Build a customized implementation plan instead of a one-size-fits-all strategy.
Revisit opportunities as your income, family, and tax environment change.

3 Real Estate Solutions

Move from strategy to implementation with options designed around your time, capital, risk tolerance, and desired involvement.

Access a Private Acquisition Team that helps identify and analyze opportunities.
Evaluate potential bonus depreciation, cost segregation, cash flow, market fit, and operations.
Choose from hands-on, done-with-you, or more hands-off pathways when appropriate.
Use the Scholarship House Database to review pre-vetted opportunities and analysis.
Complete due diligence before committing capital to a specific opportunity.

4 College Planning

Determine what college may actually cost your family and identify opportunities to reduce that number.

College-planning strategy sessions with an experienced expert.
College selection based on academic fit, financial fit, and available opportunities.
Financial-aid eligibility, appeal strategy, tax scholarships, and loan planning when applicable.
College Search and Calculator Software to compare schools and costs.
A clear plan for what your family may need to pay versus published cost of attendance.

5 Long-Term Planning

Bring the college strategy full circle so today's decisions support retirement, income, and generational goals.

Explore additional wealth strategies and long-term tax-planning opportunities.
Review income planning and tax-advantaged retirement strategies where appropriate.
Consider how real estate income, appreciation, and other assets may strengthen retirement projections.
Revisit the plan as income, tax laws, college timelines, and priorities change.
Build toward a stronger long-term legacy, not merely a paid tuition bill.

WHAT'S INCLUDED

Everything Inside the Program

Included

How It Helps

Complete 5-Step Strategic Process

A coordinated strategy across implementation leadership, taxes, real estate, college planning, and long-term planning.

Dedicated Creative Strategy Specialist

Your central point of contact for strategy coordination, expert connections, implementation guidance, and annual plan updates.

Tax Strategy Review and Implementation Support

Personalized opportunity review, one CPA consultation at no additional charge, due diligence coordination, and help moving approved strategies into action. Any CPA services beyond the included consultation require a separate paid engagement.

Private Acquisition Team

Support identifying, evaluating, and completing due diligence on qualifying real estate opportunities.

Scholarship House Database Access

Ongoing access to pre-vetted property opportunities, market research, underwriting, revenue estimates, and tax-savings analysis.

Multiple Real Estate Pathways

Explore BoxHouse, 100% ownership, turnkey short-term rentals, and 50/50 partnership options based on fit and availability.

College-Planning Sessions

Focused expert guidance on school selection, financial-aid eligibility, appeals, loan strategy, tax scholarships, and the family’s expected college cost.

College Search and Calculator Software

Compare colleges by academic and financial fit, estimate costs, and identify scholarship and savings opportunities.

Weekly Lunch Lance Morgan Group Sessions.

Lunch with Lance is your chance to attend when you have questions you would like our founder to answer directly.

Ongoing Strategic Reassessment

Your plan can be revisited as income, tax law, family circumstances, and college timelines change.

ONE-TIME PROGRAM

$11,997

This is a one-time program fee, not an annual or monthly fee. Your program includes one CPA consultation at no additional charge.

Certain services, professional fees, and investments are separate from the program tuition, including:

Ongoing or additional CPA services beyond the included consultation.
Cost-segregation studies, LLC or entity formation, and related professional services.
Any property purchase, capital contribution, financing, closing costs, reserves, launch costs, or other investment associated with BoxHouse, short-term rentals, or other tax-mitigation investments you choose to pursue.
Optional additional college-planning sessions and applicable third-party professional or vendor fees.

You decide which strategies and opportunities you want to move forward with. Any associated investment or third-party cost is discussed separately and is not included in the $11,997 program tuition.

Program access may support multiple Scholarship House opportunities, subject to your goals, available capital, qualification, property availability, transaction terms, and the requirements of each strategy.

Real Estate Pathways

Explore the Real Estate Pathways

Optional implementation routes, chosen only after analysis fits your family's goals, capital, and involvement level.

Pathway A

Improve Tax Efficiency

A lower-entry real estate pathway for families seeking potential tax savings and a tangible income-producing asset without beginning with a larger property.

May create accelerated depreciation when the family and asset qualify.
A tangible asset designed for commercial deployment.
Requires less initial capital than many larger short-term rentals.
Must be evaluated with the tax team and your independent tax adviser.

Watch: BoxHouse In-Person Walkthrough Interview

Watch: BoxHouse CPA Tax Overview

Pathway B

100% Ownership

For families that want ownership and control, our team helps evaluate, acquire, launch, and support a qualifying short-term rental.

Access the Scholarship House Database and Private Acquisition Team.
Evaluate demand, projected revenue, financing, tax potential, and required work.
Coordinate cost segregation, design, furnishing, launch, marketing, and management resources.
Choose done-with-you or more turnkey support based on the opportunity.

Pathway C

Scholarship House 50/50 Partnership

A more hands-off co-ownership pathway for qualified families. You provide the property-specific Initial Launch Capital, Scholarship House contributes its operating platform and management expertise, and the parties own the property LLC 50/50 under the final agreements.

Scholarship House manages the launch and ordinary-course operations under the applicable agreement.
The client receives an 8% cumulative, noncompounded annual Preferred Return under the agreement, with payments scheduled monthly after the initial payment period.
The Preferred Return is paid before remaining distributable operating profit is divided 50/50.
The agreement directs 100% of eligible depreciation deductions to the client to the fullest extent permitted by applicable tax law.
Capital-event proceeds follow the priorities in the final agreement, including payment of accrued Preferred Return and return of qualifying client capital before remaining proceeds are divided.
Traditional and creative-financing structures are available depending on the property and transaction.

Not a guaranteed investment result

The Preferred Return is a contractual distribution priority, not a guarantee of property performance, tax results, or return of capital. Final property documents, financing terms, operating agreements, tax rules, and independent professional advice control.

PROOF & TRUST

Families Who Moved From Theory to Implementation

Different goals, tax situations, timelines, and comfort levels — the common thread is a practical plan and a coordinated team.

“I'm Kevin Harrington original shark from shark tank and I recommend these strategies. I wish I knew you when I was going to school.”

A few of our clients share their thoughts on working with us.

“The program has already paid for itself, in my opinion, with the savings we received from just one tax year. Now we have a long-term plan to prepare for college and grow our wealth through real estate.”

“Buying a BoxHouse eliminated our tax liability for the year and refunded everything we had already paid. I started out skeptical, but everything has gone exactly according to plan.”

“Our 2025 tax strategy reduced our taxable income to zero and produced a multi-six-figure tax refund. I did not believe it until the money actually hit our bank account.”

“We went from owing the federal government $21,786 to the government owing us nearly $3,000, with another $150,000 in depreciation carrying into the next year. It felt incredibly freeing not to write a huge check to the IRS.”

“One financial-aid appeal saved us enough to cover the cost of the program. With the tax savings and other benefits, we expect to pay under $10,000 for our daughter to attend Belmont University.”

“As a single mom raising three girls, I was going to use the equity in my home to pay for college. The team showed me a better way that protected my retirement and gave me a path to leave a legacy I never thought possible.”

“I came in with my ‘scam alert’ hat on, but I was impressed from the first call. The onboarding was organized, every meeting gave me a clear next step, and each person I spoke with was a true expert.”

“Why did I not know this existed before now?”

"For a small investment, I’ve experienced a 1,000% return and discovered the most brilliant strategy to pay for college while building real, generational wealth."

“Working with College Funding Secrets just really did give me peace of mind and it was also really nice to know that whatever dollars we were setting aside for college we’re also compounding overtime. So we were actually MAKING money.”

“College Funding Secrets is really just trying to make sure that parents understand that anyone can send their child to college… and the college that they want.”

“The College Funding Secrets plan has given my wife and I peace of mind and security in knowing that we’re going to be able to send both of our kids to college and also be able to retire.”

“I never thought I could keep my college savings and allow it to keep earning interest."

“Having a real plan for college costs gave us peace of mind and freedom we never thought possible.”

“I regret waiting so long to check this out—it's been a total game changer for our family.”

“I was amazed at how simple and beneficial it is—I’m so glad I found this approach.”

OUR GUARANTEE

We guarantee that the strategies provided in the program will result in at least $50,000 in total savings. On top of that, we're committed to helping you take real, measurable steps toward creating a college-funding asset. If, after 12 months inside the Creative College Funding Program, you have not secured either a short-term rental (“STR”) property or a Box Home, simply email us within 14 days of your 12-month anniversary, and we will refund 100% of your program tuition.

MEET OUR FOUNDER →

Lance Morgan

“Parents shouldn’t have to choose between funding their child’s dream and protecting their own retirement. I created College Funding Secrets to eliminate that trade-off.”

Best-selling author and father of 5.

More than 20 years helping families navigate college-funding and financial-planning decisions.

Presenter for respected financial and wealth-management audiences.

Real Estate Pathways

Questions Families Ask Before Enrolling

Is this a college-counseling program?

No. College planning is one part of a coordinated five-step strategy that also addresses tax planning, real estate solutions, implementation, and long-term wealth planning.

Do I have to buy real estate today?

No. You are deciding whether to engage the team to build and implement your strategy. A specific tax strategy, property, or asset is selected only after review, education, due diligence, and confirmation that it fits your circumstances.

How much college-planning help is included?

The program includes private college-planning sessions with an experienced expert, plus access to the College Search and Calculator Software.

Will I have ongoing support?

Yes. Your Creative Strategy Specialist remains your central point of contact for ongoing strategy coordination, expert connections, implementation guidance, and annual plan updates. Specialist services remain subject to the scope of the program, and college-planning sessions are limited as described above.

What if I do not want to manage a short-term rental?

You can explore options with different levels of involvement, including more hands-on ownership, done-with-you support, turnkey opportunities, and qualifying 50/50 partnerships where Scholarship House handles ordinary-course management.

Can your team work with my CPA?

Yes. The program includes one consultation with a CPA at no additional charge so you can review potential strategies and due diligence. Any tax planning, preparation, filing, representation, or ongoing work beyond that consultation requires a separate engagement and additional fees paid by you. You should rely on your own qualified tax and legal professionals for advice specific to your circumstances.

Are tax savings, cash flow, or financial aid guaranteed?

No. Results depend on your income, tax status, participation, school selection, property, financing, market conditions, current law, and many other facts. Projections and examples are educational, not promises of a specific result.

What is separate from the $11,997 program tuition?

One CPA consultation is included at no additional charge. Any further CPA services, cost-segregation studies, LLC or entity formation, asset purchases, property-specific Initial Launch Capital, financing, closing costs, reserves, and other transaction-specific costs are separate and paid by you. BoxHouse, short-term-rental property, and other tax-mitigation strategies may require additional investment beyond the $11,997 program tuition.

What happens after my child starts college?

The strategy continues to look beyond tuition. Your team can revisit long-term income, tax efficiency, real estate, retirement, and wealth-building opportunities as your circumstances change.

Is the program right for every family?

No. It is designed for families that value coordinated planning, are willing to evaluate creative tax and asset strategies, and have the income, capital, timeline, and risk tolerance to implement appropriate recommendations.