Gutter Cleaning in
Daniel Island SC

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The Gutter Gorilla Difference

When it comes to gutter cleaning in Daniel Island, SC, our philosophy is simple: provide our clients with quality, dependable gutter services at a fair price. Unlike some gutter cleaning companies, we believe in honesty, hard work, and helpful advice. At the end of the day, your satisfaction is our primary goal. Before we pull out of your driveway, we will take the extra time to educate you about the work we performed. That way, you can sleep with confidence, knowing that your gutters are working correctly. We genuinely take pride in our work and strive to treat your home like it was our own, so you can focus on your obligations while we handle the dirty work. Regardless of the gutter service you choose, you can rest easy knowing your home is in the hands of trained, insured professionals. Whether you need a simple gutter repair or a complete gutter installation, we have the skills to get the job done with a level of service and quality unmatched by our competition. No shortcuts. No compromises. Only efficient, trustworthy gutter services in Daniel Island.

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Gutter Cleaning in Daniel Island, SC

We treat every gutter project as a top priority. Attention to detail is the heart and soul of our business. We go far beyond providing simple gutter services, giving you incredible insight into your seamless gutters project. Your gutter installation will be handled by licensed and insured professionals. It all starts here, please begin below.

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Foundation Damage

The primary role of your gutter system is to channel water off of your roof and direct it away from your home’s foundation. Gutter blockages can result in water running over the sides of your gutters. That water will eventually settle around your foundation. With time, pooling water will affect the reliability of your home’s structure, causing cracks, mold growth, and even collapse.

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Wood Damage

Your home’s gutter system is held up by fascia boards, which are typically made of wood. When your clogged gutters overflow with water, your fascia boards will begin to rot. On top of that, your fascia boards must hold the increased weight of your clogged gutters. The combination of rot and weight can cause your gutter system to fail, resulting in expensive repairs.

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Landscaping Damage

If you want to maintain the beauty of your landscaping, having clog-free gutters is essential. When your gutters can’t do their job, overflowing water will pour down the sides of your home. Eventually, this water will damage the trees, shrubs, and flower beds close to the base of your home.

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Gutter Damage

When your gutters are full of leaves and other debris, rainwater, and other forms of precipitation have nowhere to go. This causes water to fill your gutters to the brim. Because each gallon of water weighs around eight pounds, this extra weight will cause your gutters to crack, bend, or even tear away from your roof. Your gutters are rendered completely useless at that point, and you’re looking at very expensive repairs.

If you don’t have the time and patience to commit to proper gutter cleaning, The Gutter Gorilla team is here to help. We have been cleaning gutters in Daniel Island for years. With a fully trained team of gutter professionals on staff, we have the experience and resources to clean your gutters effectively and efficiently.

Common Signs of Clogged Gutters

One of the most common questions we get at The Gutter Gorilla centers around when homeowners need gutter cleaning in Daniel Island, SC. The answer is nuanced, but generally speaking, your gutters need to be cleaned twice a year or whenever they become clogged. Unfortunately, it’s not exactly easy for the average homeowner to climb up on a ladder, get on their roof, and look to see if their gutters are full of debris.

Luckily, there are some common signs that you can look out for to save yourself from costly repairs:

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Sagging Gutters

When debris like pine needles and leaves begin to build up in your gutters, the increased weight can cause your gutters to bend and sag. When this happens, your gutters can’t do their job of directing water away from your home. If your gutters appear to be sagging, chances are they are clogged.

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Birds and Pests

Animals like birds find gutters a very appealing place to make a nest. If you notice birds or other critters scurrying around in your gutters, it can be a tell-tale sign that your gutters are clogged with nest-making materials.

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Stains on Your Siding

If you see stains on your siding, there is a good chance that your gutters are clogged, and standing water is overflowing onto your siding. This overflow of water can damage the fascia boards behind your gutters and can also affect your roof’s shingles.

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Plant Life

It might sound far-fetched, but if your gutters have enough dirt and debris buildup, seeds within that dirt can sprout, causing a garden to grow in your gutters. If you notice signs of plant growth in your gutters, they are most likely clogged and need to be cleaned ASAP.

In today’s fast-paced world, we understand that your time is precious. If you believe your gutters are clogged but don’t have the time to check, we would be happy to travel to your home for an initial gutter inspection.

During your inspection, our team will check your gutters for clogs and debris. While we are inspecting your gutters for clogs, we will also keep an eye out for signs of wear and tear and other issues that might cause damage to your home. When we’re done, we will go over what we found and provide you with a cost-effective solution for any problems that arise. That way, you can spend more time focusing on your family and your life and less time worrying about fixing your gutters by yourself.

Gutter Installation in Daniel Island, SC

Buying a home is one of the largest financial investments that you will make as an adult. As a homeowner, you know that protecting that investment is a priority. While most homeowners do a good job of staying up to date with home maintenance, sometimes life happens, and things begin to slip through the cracks. For many homeowners, gutters and downspouts are often one of those overlooked items.

Whether you need gutters installed on your new home or your old gutter system is dilapidated and needs replacing, we’ve got your back.

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At The Gutter Gorilla, we specialize in custom gutter installation in Daniel Island, SC. Because we have our own machinery, we are essentially cutting out middlemen manufacturers so that our customers benefit from lower prices and higher quality gutter systems. We strive to be friendly, affordable, and effective. We will always make your schedule a priority over our own.

When you trust The Gutter Gorilla with your new gutter installation, know that you are working with the best in the business.

Here are just a few reasons why we are the premier gutter installation company in Daniel Island:

  • We only use premium materials and install seamless, 6” aluminum k-style gutters to hold more water.
  • Our installation methods are tried and tested.
  • Our gutter installation experts are knowledgeable, friendly, and ready to work hard for you.
  • We offer a warranty on all our products and services.
  • We are licensed and insured.
  • Your satisfaction is our #1 concern. We back that up with actions, not words.

When Should You Consider Gutter Installation?

Sometimes, it can be difficult to determine whether you need new gutter installation or gutter repairs. The most reliable answer will come after our team has had a chance to inspect your gutters in Daniel Island. Before you call our office to schedule an inspection, consider the following symptoms of a failing gutter system:

  • Gutters are starting to pull apart and separate.
  • Gutter guards are starting to sag and pull away from the roof.
  • The gutter hangers have begun to break or bend.
  • Downspouts are starting to crease or are no longer straight.
  • Gutters show signs of rust or have visible holes.
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Quick, Reliable Gutter Repairs in Daniel Island, SC

Cleaning and repairing gutters can be a tiresome task. We understand that the last thing you want to do with your free time is to try and figure out how to repair your damaged gutters. However, gutters that are left unrepaired can cause extensive damage to your home and lawn. If you see that your gutters are damaged, you must get them repaired by a professional as soon as possible. Gutter repairs range in complexity and can be as simple as patching a hole in one of your downspouts to re-securing gutters on your home’s fascia board. We recommend that you call our office to schedule a gutter inspection, so our team can get a full understanding of the repairs that need completing.

Here are a few signs that you should be aware of that usually require gutter repairs in Daniel Island, SC:

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Pooling Water
Puddles of water accumulating near your home’s foundation
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Leaks
The next time it rains, grab your umbrella and check your gutters for signs of drips or leaks.
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Displaced Hardware
If you notice gutter-hanging hardware laying on the ground under the edge of your roof, it’s time to call in The Gutter Gorilla. This is a sign that your gutters aren’t fastened securely. One strong gust of wind or heavy rainstorm could cause serious damage to your gutter system.
mold
Mold
Check your basement and your attic for signs of mold growth. If you see any mold or mildew, your gutters might not be doing their job of directing water away from your home.
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Peeling Paint
Have you noticed that paint is starting to peel down the side of your house? Is there rust beginning to form on your gutters? If so, you could be dealing with a leak. Usually, the result of rust or a puncture, this type of problem needs to be patched by a professional
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Uneven Gutters
If your gutters are uneven or starting to sag in the middle, it’s not a good sign. In situations like these, pooling water will not be able to drain towards your corner downspouts. Eventually, the entire gutter will pull away from your home. It is highly recommended that you hire our team of professionals to repair this problem before it gets even worse.

The Trusted Choice for All Your Gutter Needs in Daniel Island

At The Gutter Gorilla, our commitment is to provide you with an easy, care-free, educational experience. When you give us the opportunity to earn your business, you can trust that we will provide you with the highest quality gutter repair services at the best prices in the Lowcountry. From the moment we first visit your home for an inspection to the time we do our final walk though, your satisfaction is our top priority.

Ready to get started? Start your free estimate right from our website, or give our office a call today to learn more about our exceptional gutter services in Daniel Island. We will handle the heavy lifting while you spend your free time enjoying life!

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Latest News in Daniel Island

Meeting Notes - November 11, 2021

These are the issues coming before various City of Charleston boards and committees and the review results specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more online at charleston-sc.gov/AgendaCenter/.Date: Nov. 18A site plan for Abbington Charleston at 2101 Clements Ferry Road on Cainhoy (first review).This is a 7-acre plat for an affordable housing development with 90 apartment units spread across 10 residential buildi...

These are the issues coming before various City of Charleston boards and committees and the review results specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more online at charleston-sc.gov/AgendaCenter/.

Date: Nov. 18

A site plan for Abbington Charleston at 2101 Clements Ferry Road on Cainhoy (first review).

This is a 7-acre plat for an affordable housing development with 90 apartment units spread across 10 residential buildings with clubhouse. The owner is Wando Medical Park, LLC. The applicant is Abbington Charleston LP. Contact: Matt Monroe,

Date: Nov. 18

A road construction plan for Cainhoy First Light Phase 2, a major subdivision plan at Hopewell Drive on Cainhoy (fourth review).

This is a 46.9-acre plat road construction plan for a single-family residential subdivision. The owner is Cainhoy Lumber and Timber, LLC. The applicant is Thomas & Hutton. Contact: Will Cox, cox.w@tandh.com.

Date: Nov. 18

A site plan for Davis Daniel Island Apartments at Parkline Avenue on Daniel Island (first review).

This is a 5-acre plat for a multi-family development with 242 units. The apartment building is planned to be four stories tall with a wraparound parking deck. The owner is Davis Development. The applicant is Thomas & Hutton. Contact: Brian Riley, riley.b@tandh.com.

Date: Nov. 18

A road construction plan for the Marshes at Daniel Island Phases 1A & 1B, a major subdivision at 144 Fairbanks Drive on Daniel Island (seventh review).

This is a 16.78-acre plat for road construction plans on a 56-lot subdivision. The owner is SM Charleston, LLC. The applicant is SeamonWhiteside. Contact: Zim Fant, zfant@seamonwhiteside.com.

Date: Nov. 4

A subdivision concept plan for Cainhoy - Del Webb at Clements Ferry Road and Cainhoy Road (fourth review).

The site is a 585.3-acre site plan for a major subdivision that would include 1,094 lots and units. The owner is Cainhoy Land & Timber. The applicant is Thomas & Hutton. Contact: Will Cox, cox.w@tandh.com.

Results: Pending final documentation. Once resolved, proceed to Planning Commission.

• Berkeley County Council conducts its regularly scheduled meetings on the fourth Monday of each month at 6 p.m. at the Berkeley County Administration Building, 1003 Highway 52, Moncks Corner.

• Berkeley County Board of Education meetings are held twice each month. The second meeting of each month includes special recognitions of students, employees and community members. Executive Committee meets at 5:30 p.m.; meeting starts at 6:30 p.m.

• Charleston City Council conducts its meetings on the second and fourth Thursdays of each month at 5 p.m.

Meeting Notes - November 4, 2021

These are the issues coming before various City of Charleston boards and committees and the review results specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more online at charleston-sc.gov/AgendaCenter/.Date: Nov. 4A subdivision concept plan for Cainhoy - Del Webb at Clements Ferry Road and Cainhoy Road (fourth review). The site is a 585.3-acre site plan for a major subdivision that includes 1,094 lots and units. The owner is Cai...

These are the issues coming before various City of Charleston boards and committees and the review results specific to Daniel Island and the Cainhoy area. All meetings are open for public comment except the Technical Review Committee (TRC) meetings. Learn more online at charleston-sc.gov/AgendaCenter/.

Date: Nov. 4

A subdivision concept plan for Cainhoy - Del Webb at Clements Ferry Road and Cainhoy Road (fourth review). The site is a 585.3-acre site plan for a major subdivision that includes 1,094 lots and units. The owner is Cainhoy Land & Timber. The applicant is Thomas & Hutton. Contact: Will Cox, cox.w@tandh.com.

Date: Oct. 21

• A site plan for Parcel K Office & Parking at 2000 Daniel Island Drive (pre-app). This is a 36.9-acre site plan that would require the demolition of an existing parking lot and infrastructure, upfit of existing office building, new parking, and parking infrastructure. The owner is Holder Properties. The applicant is SeamonWhiteside. Contact: Virginia Skidmore, vskidmore@seamonwhiteside.com. Results: Revise and submit to TRC.

• A subdivision concept plan for Cainhoy - Del Webb at Clements Ferry Road and Cainhoy Road (third review). The site is a 585.3-acre site plan for a major subdivision that would include 1,094 lots and units. The owner is Cainhoy Land & Timber. The applicant is Thomas & Hutton. Contact: Will Cox, cox.w@tandh.com. Results: Revise and resubmit to TRC.

Date: Oct. 28

• Site plan for Coastal Kids Dental — Point Hope at 122 Renaissance Drive, Cainhoy (third review). This is a 0.5 acre, pad-ready site for the construction of a dental office. The owner is Coastal Kids Dental (Jacob Driggers, a DI resident). The applicant is Earthsource Engineering. Contact: Vince Sottile, sottilev@earthsoureeng.com. Architect: Loring Design Group (Florida). Landscape architect: Outdoor Spatial Design, LLC. Surveyor: Parker Land Surveying. Results: Pending final documentation. Once approved, submit Site Plan to Zoning for stamping.

• A site plan for Project Throughput at Charleston Regional Parkway in Cainhoy (second review). This is a 172-acre site plan that calls for a new container handling and storage facility. The owner is South Carolina Ports Authority. The applicant is Thomas & Hutton. Contact: Scott Greene, greene.s@tandh.com. Results: Revise and resubmit to TRC.

• A site plan for Woodfield Daniel Island 3 at 225 Benefitfocus Way on Daniel Island (pre-app). This is a 6-acre site plan that calls for a 175-unit multifamily development. The owner is DIEC III LLC, DIEC IV LLC. The applicant is SeamonWhiteside. Contact: Hampton Young, hyoung@seamonwhiteside.com. Results: Revise and resubmit to TRC.

• A site plan for Governor’s Cay Amenity at 808 King Oaks Court on Cainhoy (first review). This is an 8.06-acre site plan that calls for a pool, bathrooms and a pavilion to serve the existing townhome community, The owner is Lennar Carolinas, LLC. The applicant is Thomas & Hutton. Contact: Jason Hutchinson, hutchinson.j@tandh.com. Results: Revise and resubmit to TRC.

• Berkeley County Council conducts its regularly scheduled meetings on the fourth Monday of each month at 6 p.m. at the Berkeley County Administration Building, 1003 Highway 52, Moncks Corner.

• Berkeley County Board of Education meetings are held twice each month. The second meeting of each month includes special recognitions of students, employees and community members. Executive Committee meets at 5:30 p.m.; meeting starts at 6:30 p.m.

• Charleston City Council conducts its meetings on the second and fourth Thursdays of each month at 5 p.m.

Philip Simmons sprouts next generation of football-ers and cheerleaders

Philip Simmons High School had a younger look this fall. Nearly 120 children dressed in purple and black descended onto the fields each Saturday during the inaugural season of the Philip Simmons Youth Football and Cheerleading program.According to C.J. Hirschman, who co-directs the football program with Austin McKinney, there was previously no organized youth tackle football on Daniel Island or the Cainhoy peninsula. He said the growth of the Clements Ferry corridor and the Philip Simmons public schools brought a need and a want for t...

Philip Simmons High School had a younger look this fall. Nearly 120 children dressed in purple and black descended onto the fields each Saturday during the inaugural season of the Philip Simmons Youth Football and Cheerleading program.

According to C.J. Hirschman, who co-directs the football program with Austin McKinney, there was previously no organized youth tackle football on Daniel Island or the Cainhoy peninsula. He said the growth of the Clements Ferry corridor and the Philip Simmons public schools brought a need and a want for the league.

“We’ve been overwhelmed with the amount of players and the overall support from our community,” Hirschman said. “From Daniel Island to Clements Ferry to Huger… There’s been an outpouring of support from everybody.”

The first season, 90 football players and 34 cheerleaders from Cainhoy Elementary, the Daniel Island School, Philip Simmons Elementary and Middle Schools, along with some private and home-schooled children, signed on to compete against teams around the region.

“We started off grassroots using social media, road signs and word of mouth, and our local schools sent out flyers to all the kids,” Hirschman said. “We had a lot of people waiting to see how things went the first year and are ready to go for next year.”

By all accounts, the initiative is a success. Hirschman said they are growing the football program from three to six teams next year and the cheerleading program will grow from two to four teams, for a total of more than 200 participants in kindergarten through eighth grade.

“To be able to create lifelong bonds and friendships and bring together all these communities; it’s been great,” Hirschman said.

Cheerleading director Crystal Herring agrees. “It has been absolutely wonderful,” she said. “These girls have bonded and created new friendships and a lot of the girls’ friends will come to the games and ask how they can join.”

Throughout the season, Herring brought in different guest coaches and experienced cheerleaders who helped teach cheers, stunts and dance routines, and “cheer moms” helped with practices and provided safety support during stunts.

“It takes a village,” Herring said. “Parents have been volunteering to bring snacks and water to each game and our cheer moms have helped lead the girls. We definitely couldn’t do it without all the parents’ help.”

The cheerleaders will hold a toy drive for Toys for Tots on Dec. 11, from 11 a.m. to 2 p.m. at Famulari’s Pizzeria on Clements Ferry Road. Information about the cheerleading program and signups for next year can be found on Instagram @PSYouthCheer.

Information about the football program and sponsorship opportunities can be found on its Philip Simmons Youth Football Facebook page, or its website at psyouthfb.com.

Philip Simmons Youth Football and Cheerleading is a nonprofit organization that relies on donations and sponsorships for funding. It is part of the South Carolina Youth Football Association that serves children between the ages of 5-12, teaching them the values of teamwork, good sportsmanship, discipline, and self-respect, while also stressing the importance of academics.

Seton Hall Leads by Four Strokes Entering Monday's Final Round

CHARLESTON, S.C. – Three Pirates are currently in the top-10 and the Seton Hall men's golf team are the leaders in the clubhouse after two rounds at the 2021 Daniel Invitational.Seton Hall was clearly the top team in a very talented field all day. The Pirates had back-to-back 6-under-par, 282, scores and currently lead the field by four strokes. Florida State is in second place at 8-under-par.Three Pirates are tied for sixth place and enter Monday's final round trailing by five strokes. ...

CHARLESTON, S.C. – Three Pirates are currently in the top-10 and the Seton Hall men's golf team are the leaders in the clubhouse after two rounds at the 2021 Daniel Invitational.

Seton Hall was clearly the top team in a very talented field all day. The Pirates had back-to-back 6-under-par, 282, scores and currently lead the field by four strokes. Florida State is in second place at 8-under-par.

Three Pirates are tied for sixth place and enter Monday's final round trailing by five strokes. Andres Acevedo (San Antonio, Texas), Gregor Tait (Martlesham Heath, England) and Wenliang Xie (Xouqing, China) are all tied for sixth place at 2-under-par.

Acevedo had an even first round with four birdies and four bogeys. In the second round, he used five birdies to fuel a 2-under-par, 70. Tait was super-consistent, using four birdies to power a 1-under-par, 71, in round one, and 13 pars in round two to score the same. Xie had four birdies in both of his rounds on Saturday, shooting 1-under-par in both rounds.

Sophomore Wanxi Sun (Danville, Calif.) had a huge first round, using five birdies to power a 4-under-par, 68, but settled with a 6-over-par 78, in round two. Through two rounds, he's tied for 28th overall with a 2-over-par, 68-78-146.

After a disappointing first round, senior Deven Ramachandran (San Rafael, Calif.) shot a 2-under-par, 70, in round two. For the event, he's 9-over-par with an 83-70-153.

Competing as an individual, Ian Lee (Johor, Malaysia) is currently 11-over-par following a 77-78-155.

Tournament Details: 2021 DANIEL ISLAND INTERCOLLEGIATE Host: Charleston Southern University Location: Charleston, S.C. Course: Ralston Creek Course Course Vitals: Par-72, 7,446 yards Dates: October 31-November 1, 2021 The Course: As one of the top private golf clubs in Charleston, SC, the Daniel Island Club features the country's only private pairing of golf courses designed by Tom Fazio and Rees Jones playing out of the same clubhouse. Both nationally ranked courses are perfectly integrated into the breathtaking Lowcountry landscape and the country club neighborhood of Daniel Island Park.

Against a stunning backdrop of natural saltwater marsh and tidal creek vistas, acclaimed golf course architect Rees Jones has designed a true low country classic. Ralston Creek, Daniel Island's second 18-hole masterpiece, is a par 72 course playing 7,446 yards from the championship tees.

The Field: In addition to Seton Hall and host Charleston Southern, the large field will include 17 other teams including Campbell, College of Charleston, Eastern Kentucky, Florida State, Francis Marion, Gardner-Webb, High Point, Jacksonville State, Lehigh, Presbyterian, Purdue Fort Wayne, South Carolina, USC Aiken, USC Upstate, VCU, Virginia, Western Carolina and Winthrop.

The Format: Teams will play five golfers and count the four lowest scores per round.

Schedule: The field will play two continuous rounds (36 holes) beginning with an 8:15 a.m. shotgun start on Sunday, and one final round on Monday.

Results: Live scoring will be available for the tournament via BirdieFire. Complete results will also be available following each day's competition at SHUpirates.com.

2021 DANIEL ISLAND INTERCOLLEGIATE - Team Scores
Pos. Player R1 R2 R3 TOTAL PAR
6 Campbell 294 288 582 +6
T13 Gardner-Webb 297 299 596 +20
15 Winthrop 297 303 600 +24
16 Lehigh 305 298 603 +27
17 Presbyterian 305 306 611 +35
19 Eastern Kentucky 309 310 619 +43
2021 DANIEL ISLAND INTERCOLLEGIATE - Seton Hall Individual Scores

To file or not to file? That is the question for financial aid

“File FAFSA to let colleges know you need money, and file it to let them know you do have money!”This refrain works most of the time, but like all generalizations, there are exceptions.With a FAFSA — which stands for Free Application for Federal Student Aid — on file, parents have an open line of credit with the federal department of education. If money becomes scarce, colleges can certify parents for more aid and release more federal funds, usually loans. The PLUS loan for parents of undergraduate stude...

“File FAFSA to let colleges know you need money, and file it to let them know you do have money!”

This refrain works most of the time, but like all generalizations, there are exceptions.

With a FAFSA — which stands for Free Application for Federal Student Aid — on file, parents have an open line of credit with the federal department of education. If money becomes scarce, colleges can certify parents for more aid and release more federal funds, usually loans. The PLUS loan for parents of undergraduate students can be applied to cover the full cost of education minus any other aid.

There’s a lot of confusion about what FAFSA can and cannot do for families. Basically, they are evaluated for Pell grant eligibility. It’s why FAFSA is referred to as “The Pell Grant Qualifier.” Typically, eligible students are receiving federal means-tested benefits such as free or reduced lunch. The rest of the available federal aid consists of student loans.

Some colleges are need-sensitive, which means they cannot accept many financially needy students because they cannot meet their needs. A college may have data that shows low-income students don’t persist, and it would be better to warn the family about it. These students may be deferred or wait-listed until the school knows how they’re doing with enrollments.

The second level of aid comes usually from the state of the student’s residence. Most states need to see a FAFSA, but in South Carolina the lottery scholarships fund the state scholarships, so they are not dependent on FAFSA. The aid is awarded based on student grades, class rank, and test scores.

The criteria for qualifying for South Carolina state scholarships is as follows:

• Palmetto Scholarship: $6,700; 1400 SAT/32 ACT or 1200 SAT/27 ACT; 4.0 on SCUGS; 3.5 on SCUGS, rank top 6%

• Life Scholarship: $5,000 (must meet two out of three criteria); 1100 SAT/ 24 ACT and/or 3.0 GPA; 3.0 GPA on SCUGS, and/or rank in the top 30% of class.

• Hope Scholarship: $2,800; good for one year only ; 3.0 alone on SCUGS.

Students are notified of their state scholarship amount after the final transcript from senior year is received by the office of admission. I did have a student who was eligible for the Life Scholarship but received the Hope because the college miscalculated her average.

She brought it to the attention of the admission and financial aid office and now receives the Life Scholarship.

I tell my students that good grades, test scores and rank in class are like money in the bank when it comes to paying for college. Some students aren’t particularly academically oriented however and do end up paying more. Our culture emphasizes sending every kid to college even when an apprenticeship or a gap year may be the better fit.

After colleges award “FAFSA” federal aid and state aid, they reveal the net price for the family to pay. However, the cost of borrowing isn’t explained because the terms are re-calibrated each year, with the last sale of Treasuries in June. Then the interest rates and fees remain the same for the life of the loans.

Types of federal loans from the Department of Education include Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans.

Although the fee for the Direct Parent PLUS loan is high at 4.228%, it does include a “life insurance” provision. In case the borrower dies, the loan is forgiven, (unless there’s another co-signer.)

Often federal loans are better than private student loans made by a bank or credit union because of the fixed interest rates, income-based repayment plans, and even loan cancellation such as Public Service Loan Forgiveness for certain types of employment.

Some parents allow their child to borrow the $5,500 in first year because the borrowing costs are less expensive for students and parents will be able to borrow less. The hope is that students learn responsible borrowing when they have skin in the game. It’s an ideal time to teach students about interest accrual and encourage them to pay the interest each year so that it doesn’t accrue on the loans. For these reasons parents exhaust federal loans before considering private loans.

C. Claire Law, M.S., a Daniel Island resident since 2004, is the author of “Find the Perfect College For You” (amzn.to/34znzrf). Her latest book “How To Control Your College Costs” helps families identify colleges that fit their students and are affordable.

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