Moments that Matter

In the season finale of Moments That Matter, we bring together the key lessons from the entire series and focus on how families can plan intentionally and advocate effectively throughout the college affordability process.We talk about why early financial conversations matter, what it really means to appeal a financial aid offer, the difference between need-based and merit-basedaid, and how a four-year planning mindset can change outcomes. Advocacy isn't confrontation, it's informed engagement. And it starts at home.

Tuition is the number families prepare for. Everything around it is what catches them off guard. In this episode, we walk through the real costs of college that don't always show up on the official bill — from dorm setup and textbooks to travel home, social life, and the daily habits your student brings with them.Drawing on personal experience sending two kids to college, this episode is about closing the gap between the budget families plan and the reality families live.

Scholarships are more than awards — they are one of the most powerful tools families have to  reduce borrowing and shape long-term affordability. In this episode, we break down the difference between merit and need-based aid, why test optional for admissions doesn't mean test optional for merit aid, how scholarship stacking works, and the three questions every family should ask before accepting an offer of admission.Understanding this early changes how families build their college list, evaluate financial offers, and plan for all four years.

Borrowing for college often happens gradually — one gap at a time. In this episode, Laura breaks down what every family needs to know about federal student loans and Parent PLUS loans before financial aid offers arrive. From the critical difference between subsidized and unsubsidized loans, to the new Parent PLUS borrowing caps taking effect in July 2026, to how private loans compare.Loans are not the enemy. But borrowing without understanding the terms can create consequences that last long after graduation. This episode gives you the clarity to borrow intentionally — if and when you need to.

Texas leads the nation in tuition assistance and promise programs, but many families misunderstand what “free tuition” really means. In this episode, we break down how Texas tuition promise programs work, who qualifies, what they actually cover, and why FAFSA completion matters. Understanding these programs early can shape college lists, expectations, and long-term affordability decisions.

"My student will have a job and pay their own expenses, so they're independent for FAFSA, right?" Wrong…and that mistake costs families thousands in aid eligibility every year.In this episode, Laura breaks down the Free Application for Federal Student Aid (FAFSA), the Student Aid Index (SAI), and the dependency status rules that confuse almost everyone. You'll learn:- What FAFSA actually does (and why everyone should file)- How your SAI is calculated and what it means- The only ways a student under 24 is considered independent- Why parent income counts even if you're not contributing- When to file FAFSA for maximum aid (priority deadlines)This is the foundation for everything: federal aid, state grants, institutional scholarships, and Texas Promise Programs (covered in Episode 4).File early. Understand your SAI. Don't leave money on the table.

Description: Financial aid offers are confusing...but they don't have to be. In this episode, Laura breaks down exactly what a financial aid offer actually means, and how to compare schools by NET cost instead of sticker price. You'll learn: The difference between grants, loans, and work-studyWhy Cost of Attendance matters more than tuitionHow to spot red flags in financial aid packagesWhat "unmet need" really means for your familyAction steps for 9th-12th grade families  This is the episode that helps you build a realistic college list BEFORE applications go out...not decode confusing offers in April under pressure. 

Why do so many families feel blindsided by college costs even when they plan ahead? This episode reframes what “paying for college” really means and sets the foundation for a season focused on clarity, timing, and better-informed decisions.

Tune in to our season finale and explore the distinctive features of TAMIU with Mirian Granados. From automatic admissions to extensive scholarship tiers and a supportive environment, learn how TAMIU stands out as a top educational choice. Discover the beneficial community culture, exciting programs, and how TAMIU nurtures a sense of belonging through mentorship and international opportunities. A must-listen for future college students and parents! #MomentsThatMatter https://www.tamiu.edu/prospect/index.shtml https://www.momentsmatterpod.com/

Join us for an engaging conversation on the "Moments that Matter" podcast with Maricruz Hinojosa from Texas A&M Engineering Academy at South Texas College. In this episode we explore the benefits of local learning, unique pathways to becoming an Aggie engineer, and the many engineering majors available. A must-listen for students, educators, and parents alike!

In this episode we focus on the often-overlooked advantages of merit scholarships. Learn how to assess eligibility, find colleges that reward talent, and strategically plan your college budget Don’t let the cost of attendance deter you and discover options that make quality education accessible. Tune in and share with someone who needs this advice! momentsmatterpod.com

In this episode we welcome the return of Roman Silva and Felipe Olivarez. We discuss the challenges of the 24-25 financial aid cycle, share tips for completing FAFSA forms, and highlight the importance of completing the FAFSA. Learn about the financial aid process, the role of parents, and how to tackle common issues.  https://www.utrgv.edu/ucentral/paying-for-college/financial-aid/index.htm https://www.momentsmatterpod.com/

In this episode, we talk with Mariana Espinoza and Nancy Nerio from Texas State University’s Global Admissions. Learn about admission requirements, scholarships, student life, and the unique opportunities TXST offers. Whether you’re a parent or a student, this episode provides essential insights to help you prepare for college success. Don’t miss out on the key info every future Bobcat should know! https://www.admissions.txst.edu/contact/meet-your-counselor/mariana-espinoza.html https://www.admissions.txst.edu/contact/meet-your-counselor/nancy-nerio.html https://www.momentsmatterpod.com/

In this episode we sit down with Devlin Flanary, Manager of Regional Recruitment at the University of Houston-Victoria, to discuss UHV’s academic programs, admissions requirements, and scholarship opportunities. Parents of prospective students will learn about UHV’s local support and how the university helps students transition into college life. https://www.uhv.edu/ https://www.momentsmatterpod.com/

Scholarship Coordinator Teresa Villarreal joins us to discuss UTRGV scholarships, current opportunities, deadlines, and advice for incoming freshmen, transfers, and graduate students. Learn how to apply, tips for success, and guidance for families preparing for Fall. https://www.utrgv.edu/scholarships/ momentsmatterpod.com

Join us on the Moments That Matter podcast as we break down various tuition assistance programs available for students in Texas. In this episode, we provide information on programs offered by multiple state universities, including Texas A&M, UT Austin, Texas Tech, and more. momentsmatterpod.com

In this episode we talk with Karina Lopez, a first-generation college graduate and Speech Language Pathology Assistant. Karina shares her journey through Texas A&M-Kingsville and UTRGV, discussing the challenges of leaving home and the path that led her to her career. She also offers insights into her work as an SLPA, advocating for her patients, and advice for students pursuing a similar path. Tune in for a conversation about higher education, career growth, and making a difference in the field of speech pathology! momentsmatterpod.com

It’s a Youth Vote Matter In this episode we’re joined by Michael Sanchez and Vicente Martinez from Texas Turnout Rio Grande Valley, a nonpartisan nonprofit, to discuss the critical role of the youth vote. Learn how students can register to vote, request absentee ballots, and we discuss the many intricacies of voting. Get out and vote! www.texasturnout.org www.voteriders.org

In this episode, we welcome back Celina, who has just become an empty nester. We explore her fresh experiences, the emotional highs and lows of dropping off her youngest at college, and the challenges she faces in this new chapter. Tune in for insights, advice, and support for navigating this transition. momentsmatterpod.com

In episode 2 we explore underemployment—why it happens and how it affects college graduates. Learn how major, institution choice, and internships impact career success, and get practical advice to help you navigate the college journey effectively.

In this new episode of Moments that Matter, we explore whether students are truly college-ready. We discuss challenges, practical tips, and essential support services to help students thrive in their academic journey. Tune in to discover how to navigate college readiness effectively.

Summertime will be upon us soon! In this final episode of Season 2, we provide some parent to parent advice on how to guide your rising Senior, college bound student or current college student over the summer months. August will be here before you know it...be prepared! #summertime #collegeparents #transitions momentsmatterpod.com

In this episode, we discuss UT Austin's decision to reinstate standardized test requirements for applicants and what this means for your student. Join us as we discuss this shift among top universities, plus the important changes to the SAT test. momentsmatterpod.com

💰 Student Loans 101: Wondering about borrowing limits for undergrads? Learn the facts on student debt, loan options, and how parents can support their children's college journey. Tune in to our podcast for insights! #StudentDebt #LoanOptions #CollegeFinance momentsmatterpod.com

In this episode we dive into the world of dual credit programs with Marco A. De La Garza and Antonio De La Cruz from South Texas College. Join us as we explore the many benefits of dual credit courses for high school students.

In this episode we speak with Alyssa Escalante, a school psychologist for Round Rock ISD. Alyssa’s interest in psychology started at St. Edward's University where an engaging introduction to psychology course set her on a path of discovery and learning. Her early career decision to focus on working with students led her to the specialized field of school psychology and a graduate degree at Texas Women's University. Join us as she shares her journey and advice for students wanting to pursue a career in psychology. momentsmatterpod.com

In this episode we sit down with Peter-James Ehimika, Director of Student Success for UT System and Fernando Chapa, Dean of Institutional Research and Efficiency at South Texas College, together we discuss valuable advice for parents and students who are or plan to be navigating the transition from community college to a university. We share the pros and cons of starting at a community college and all the things to consider along the way. momentsmatterpod.com

In this episode we welcome back Roman Silva and Felipe Olivarez, Assistant Directors of UTRGV's Financial Aid Office to discuss the issues with the 2024-2025 FAFSA. They talk to us about how the university is handling it all and offer us, parents, valuable insights to get through the process. https://www.momentsmatterpod.com/

In this episode we sit and chat with Karla Long, a Licensed Financial Advisor who earned an MBA from the University of Texas Rio Grande Valley. Parents, have you questioned if you should pay for your child's college education? Karla's journey through college is eye opening. Take a listen! momentsmatterpod.com

In this episode we discuss the factors to consider when selecting a college major and a college. Tune in and get important information to help your child be successful in the future.

In this episode we sit down with Ralph Perez, a successful Physical Therapist and graduate of Texas State University. Join us as Ralph shares his journey through college offering insights into how he and his family managed the financial aspects of his education and his advice for parents and students on the transition from college to career.

In episode two, we sit down with Mary De Leon, the Executive Director of VAMOS Scholarship program. Mary shares valuable insights into the different scholarship opportunities available for college bound high school seniors, some of which have upcoming deadlines. Listen in to learn more!

Join us in the exciting kickoff of Season 2 as we dive into the world of college scholarships with Teresa Villarreal, the expert Scholarship Coordinator at UTRGV. In this episode, we discuss the ins and outs of finding and securing scholarships for college bound students. Discover invaluable insights and advice to help you and your child embark on a successful educational journey!

In today’s episode we reflect on the milestones of our first Season.  Join us as we revisit the impactful stories, valuable insights, and unforgettable moments. Season 2 awaits in January 2024 – more inspiration, more journeys!  #Season1Recap #MomentsThatMatter #StayTuned"

Join us for a conversation with Joe Quiroga, President of Texas National Bank, as we unveil the compelling narrative behind their newly established scholarship foundation. Their mission is to empower students in the Rio Grande Valley to turn their educational dreams into reality.

In today’s episode we demystify FAFSA changes for a smoother financial aid journey. Special guests Felipe Olivarez and Roman Silva, Assistant Directors of Financial Aid at UT Rio Grande Valley, dive deep into what you need to know!

Join us as we sit down with the Director of Operations at the Food Bank RGV to uncover how young adults can make a lasting difference in the fight against food insecurity while enhancing their college applications and resumes through volunteering.

On today's episode we welcome our good friend and mom to discuss the joys and challenges of our kids coming home for the holidays and the beautiful shift in family dynamics that accompanies these cherished moments.

On today's episode of the Moments that Matter podcast, we discuss my favorite organization, Stars Scholarship Fund. In this episode I share the criteria and required documentation to apply for the next scholarship application cycle that opens on January 1st. Don't miss this information!

Midterms are around the corner, our college kids may start to feel homesick and you may want to send them a little love. In today's episode we sit down with our good friend Celina and discuss care package ideas. We share the packages we have sent and different ideas for our kids.

One of the hardest parts of sending your kids off to college is understanding all the terms thrown at you during the financial aid process. Join us as we go through the many acronyms you may need to know and some of the basics of financial aid.

Join us as we explore the vital role that college visits play in shaping your student's academic future with Paige Cisneros of Cisneros College Consulting.

On today's episode we welcome our good friend Ernesto Gonzalez who is a STEM specialist at Region One Education Service Center. We sit down to talk about the T.I.E.S. (Together In Education For Success) conference his organization offered for male students in preparation for post-secondary exploration and transition.

Leaving your first child at college is overwhelming and emotionally exhausting. However, these feelings are fleeting. Before your know it you are back home and trying to find a new normal. Join us as we catch up with our friend Kerrin for a recap on how drop-off went and what her life is like now.

This episode we sit down with My EdTech Life host Alfonso Mendoza and discuss the evolution of AI in education as he offers his insight to parents and college students

(Sensitive Content) Our dear family friend shares her heartbreaking story of losing her son to a fentanyl overdose. We discuss the realities of the world our children live in, what to discuss with your college students and her advocacy work to protect all of our children.

On today's episode we have a chat with my resident tech guru and talk about all things technology as it relates to our college students.

We continue last week's conversation, as we sit with our friend and first-time college mom to answer her questions and share our personal experiences and advice on this new journey. Enjoy Part Two.

We sit down with our friend and first-time college mom to answer her questions and share our personal experiences and advice on coping with this important life event. We shared so much, we needed two episodes. Please enjoy Part One.

We get guidance from Independent Education Consultant, Paige Cisneros on personal statements and essays for your senior's college applications.