1. Which of the following planning factors is generally assumed by a financial planner?
   1. The age of a clients child or grandchild.
   2. Rate of return a client can earn on educational savings.
   3. The current cost of tuition at a clients first choice college or university.
   4. Both a and c.
2. Cassidy is 19 years of age and currently enrolled in college. She is considering taking out a student loan to help offset college costs. Which of the following loan options is not available to Cassidy?
   1. A Perkins loan.
   2. A PLUS loan.
   3. A Stafford loan.
   4. Both a and b are unavailable to Cassidy.
3. What college loan repayment plan sets the maximum monthly debt repayment equal to 10 percent of a borrowers discretionary income?
   1. Extended repayment plan.
   2. Pay-as-you-earn plan.
   3. Income contingent repayment plan.
   4. Pay-as-you-go plan.