About Us

Wire and Kloud Ready Finances ^® was created to lend a helping hand to those who needed the most help with financial management: students.

We found that financial aid for college does not provide enough money for many students, especially if the government still counts your parents as a source of income. Scholarships are able to help in several cases, but most of the time you end up taking out thousands of dollars worth of loans to cover what was left. And for those that are not fortunate enough to obtain any type of aid, full-time work and/or tens of thousands of dollars worth of loans is the only way to go.

Now, what would happen if you went to your school's financial aid office or a bank loan officer at your local branch and asked them for help? The kind of help you would need to figure out how to manage your finances, or how to use you loan wisely, or how many more scholarships you would need to cover all of your costs? We can almost 100% guarantee that these places would not be able to answer these questions.

Your school's financial aid office would just provide you with more resources, websites, and forms for you to fill out. They are not in the business of counseling each individual student to manage their finances. They don't care how you get the money, they just want to see your account paid in full before you even begin your first day of class.

And do you want to pay an arm and a leg for a professional financial advisor? If you go to a bank or an independent financial advisor, you will most likely have to pay for these services; they don't manage your money for free. Several students have been told to figure out their finances on their own, and to come back to the bank when they knew how much money they needed. We have even heard stories where students have been laughed out of a bank because they wanted to do a quick review of their finances before deciding on how big of a loan they needed to take out. These institutions don't care if you can afford to repay a loan, and they don't care how much money you need. They are only interested in the bottom line: money.

So, as you can see, there are a lot of students out there that may be looking for help, and all they find are dark corners with nowhere else to go. You may have had these troubles yourself, or maybe your friends, or maybe your friend's friends have had issues with trying to find money to pay for school and to get control of their finances. That is why we are focusing on providing these simple financial management tools to students, to get them motivated and interested in keeping track of their own finances. It is not easy to pay for tuition while you are attending school, and it is even harder to try and repay student loans without drowning in a sea of interest. By providing the tools to help students manage their finances and understand where their money goes, we hope that the burden of financial management will be lifted, one person at a time. That is why we go by the saying:

Helping You Help Yourself.