Who Is College Affordability Solutions


Tom Melecki is the founder and sole employee of College Affordability Solutions. He created it in 2015 after retiring from a 39 year career in postsecondary education.

His career in college affordability began at The University of Texas (UT) Austin, where he served for 10 years in the financial aid office, including seven years as its director. Tom also spent 26 years student loans. There he worked on policy, research, and education — including the development the nation’s broadest personal money management education programs for college students.

Tom co-authored College “Credit”: Reducing Unmanageable Student Debt and Maximizing Return on Education. He also developed presentations such as Deciphering the Mysteries of the FAFSA; Sending Johnny to (and Keeping Him In) College: The Role of Financial Counseling, Planning, and Education; and Seven Ways to Minimize Student Debt.

Throughout his career Tom held leadership positions with the Coalition of State University Aid Administrators, National Council of Higher Education Loan Programs, Texas Higher Education Coordinating Board Financial Aid Advisory Committee, and the Nebraska, Rocky Mountain, and Texas Associations of Student Financial Aid Administrators.

Tom also serve on the UT System Student Debt Reduction Task Force, College Board Southwest Regional Council, and Consumer Information and Research Committees of the National Association of Student Financial Aid Administrators.

He was twice a member of teams that negotiated with the U.S. Department of Education about new and revised student aid rules. He also helped initiate, develop, and manage The Common Manual, the nation’s single most comprehensive set of student loan policies.

Tom and his wife Sherry put two now-grown daughters through college. He worked and borrowed to finance his doctorate in higher education administration from UT Austin and he earned his bachelor’s and master’s degrees from Bowling Green State University in Ohio.