Choosing A College Gets Easier When You Understand The Numbers

College gets expensive fast, and most families are forced to make big decisions with only half the story. We sit down with Rudy Koontz, a financial aid counselor at Baldwin Wallace University, to talk through what the financial aid process actually looks like from the inside and why it’s rarely just “here’s your number, good luck.” 

We dig into Rudy’s path from Cleveland to BW, how commuting can help students save money, and what it’s like to work in an office that has to balance real human conversations with strict federal and state regulations. We also talk about the parts students don’t see: processing, adjusting offer letters, answering “we need more money” questions, and helping families understand what they can realistically pay. If you’re comparing colleges, trying to decode an award letter, or just want a clearer view of college affordability, this one is for you. 

Then we lighten it up with Cleveland food recommendations, Filipino flavors, Blackstone griddle life, and Rudy’s pandemic-era movie podcast, plus a quick debate on modern comedies. We close with the Fast Fitty Five and a simple message that belongs everywhere: be kind. 

Subscribe for more conversations like this, share the episode with a friend who’s navigating college costs, and leave a review if it helped. What’s the most confusing part of financial aid for you right now?

All music brought to you by former guest of the show Speedo

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Transcript

SPEAKER_02 0:00

Welcome everybody to another episode of the Ride Home Rants Podcast. This is as always your host, Mike Bono. I got a great guest for us today. He's coming to us from the Cleveland area. He is the financial aid counselor at Baldon Wallace University, and that is Rudy Koontz joins the show. Rudy, thank you for joining, man. Thanks for having me. Hey, no problem. So uh, like we said there, you are originally from the Cleveland area. Originally, which suburb did you grow up in in there? And like tell folks a little bit about yourself and where you grew up.

SPEAKER_00 0:33

Yeah, of course. So I grew up in Seven Hills. So if not, it's a smaller town next to Parma. Went to Normandy High School. So I've kind of been around the Cleveland area my whole life. Yeah, that's up bring.

SPEAKER_02 0:48

Cool. So with that, you chose BW as your college of choice. You know, why BW and what were what were you involved in during your time there as a student at BW?

SPEAKER_00 1:02

Yeah, of course. So it's kind of funny because my high school and BW are actually on the same road, just a little further down. Didn't plan it that way. Didn't plan it that way. When I went to BW. Just that that first time on campus. It's something about it. I had that feeling that, yeah, like I need to go here. Just because it was so close to Cleveland, it was close to home, so I could commute, save some money, not living on campus. Yeah, uh, that's kind of the main reason. It just felt like home.

SPEAKER_02 1:31

I gotcha. I I hear that a lot from a lot of the BW people that we have had on air, whether they're either just working there or they were an alum that is now working there. That it's just BW just kind of has it, it takes a hold of you when you when you get there. Did you kind of feel that like as soon as you walked on campus? Was there anybody there that kind of like really made the decision easy for you to say, okay, yeah, this is what this is this is it for me?

SPEAKER_00 1:56

Yeah, it was kind of as soon as I walked on. I had a visit with my parents and just walking around, it just felt nice. And then as my time there, the people are awesome. So that's kind of kept me there and made that experience such a good time.

SPEAKER_02 2:10

Yeah, I mean, it it's pretty consistent with what I hear. You know, everyone rants and raves about BW. Never been there personally, but I feel like I have with it from everybody that we've talked to from there, and Johnny being there too, as well at BW now and everything like that. So I I really get the feel of it there. But you now work there in the financial aid, like I said. Uh, was that your first job out of college, or did you work somewhere else before that before coming back to your alma mater?

SPEAKER_00 2:38

Yeah, I worked somewhere else. So I actually was a work study student in the financial aid office. So I worked there when I was a student doing lower tasks after I graduated, did my own thing for a little bit, went and was a personal finance advisor. That didn't last very long. It was more of a sales role and found out very quick that sales is not my thing. And then I worked for a software company in their tech support center, also not my thing. So then a position opened back up at the BWE Financial Aid Office, and I decided to apply and they welcomed me back. I mean, I've been there gosh, eight years now. Almost it'll be eight years in August that I've been full-time there.

SPEAKER_02 3:23

Okay. So yeah, you've been there a little while after going and doing your own route. Yeah, as somebody who's worked in sales for almost 14 years now, uh it's not for everybody, I get it. But that that's kind of along the same lines with financial aid, I would say there. I guess there has to be a little bit of a sales tactic to it, or is it more just like, hey, it's more cut and dry? This is our package, this is what we can do for you. It's been a little while since I've been in college, and I don't remember the financial aid portion of it too well.

SPEAKER_00 3:54

Yeah, so there can be a sales aspect to it. We like to think it's more cut and dry. Like, here's the number, here's what you're gonna pay, but it is a lot of back and forth. Um, and then seeing what else we can do to help lower the cost for people. So that's where that sales comes in and trying to get them to come to the campus and actually deposit and things like that. I'm sure you hear that a lot from Johnny. He has the more of that sales role than I do, but yeah, there is a little aspect of it in financial aid.

SPEAKER_02 4:23

Yeah. So with with working there, what what's a a day-to-day like there working in in the financial aid office?

SPEAKER_00 4:32

Yeah, so um a lot of face-to-face or phone calls with families and students, that's kind of uh a third of it. I would say another big chunk is behind the scenes processing that a lot of people don't see.

Meet Rudy And His Roots

SPEAKER_00 4:48

So we're trying to manage both of those aspects of having those conversations about just random questions that students may have, questions about their offer letters. A big one is needing more money, of course, not able to pay.

SPEAKER_02 5:04

Obviously.

SPEAKER_00 5:05

And then, yep. But yeah, there's a lot of behind-the-scenes processing that people don't know about that we do adjusting offer letters, making sure we're complying with federal regulations. That's kind of the boring aspect of it, but important because we need to comply with everything that the federal and state government says that we need to comply with. If we don't, they don't they don't like that very much. So yeah, making sure we are following the rules is uh is a big portion of that too.

SPEAKER_02 5:32

Well, you gotta keep Uncle Sam happy. Oh he he has to be happy for everyone to be happy,

Why Baldwin Wallace Felt Right

SPEAKER_02 5:38

isn't that how it's supposed to be, right? Absolutely. Uh so it's it's interesting work. I know my sister did it at West Liberty University, is where she is currently at, the financial aid office out there. So I I don't know if she's more in like a Johnny role rather than your role, but I mean she's been there a couple years, she seems to love it. I don't know. As somebody who's been in sales, I need that face-to-face contact, I guess, and also being a comedian. You know, I need that that back and forth, I guess. More for me. I guess I'm a little I I after you know over a decade of doing something, you kind of get get used to it. And people hate the back and forth. It's like I I I love the the negotiating, I guess you could say, even when I'm on stage, like if somebody's heckling me, like there's a negotiation into that where I'm gonna ruin your night, and you're you're not gonna like it because I'm a comedian and I have a microphone and I'm gonna ruin your night. Uh, but how far do you want to take this? Because I'll go till you can't anymore. Which is oh like that goes back to sales, like it's whoever is willing to blink first. I mean, obviously, you don't have that, it's not like a strict sales role. Like, you have numbers that you have to hit, and like it, I mean, it kind of is what it is. Like, here's what it costs to go to school here, here's what you're gonna pay, I would imagine. But yeah, like I don't know if I could do that. Is it's is it more of a desk job than it is more of getting out and talking to people? Like, I I everyone thinks they want that that desk job. I had to do it for like two months at my current day job, and I was ready to lose my mind with being stuck behind a desk. So I I don't know how people do that.

Career Detours Before Returning To BW

SPEAKER_02 7:27

Like, how do you sit behind a desk all day?

SPEAKER_00 7:29

Like, how do you get yeah, it is a desk job. So the students will come to us usually to our office. There are occasions where we go out to different places on campus and have events or different things, and we get out and it feels nice. But yeah, that that processing sitting behind a desk basically the whole day. When students come in, that's when I get up. I always try to take some breathers and walk around the building or something to stretch out. Uh, but it was a huge adjustment in the working world. Excuse me, to you know, be behind the desk for eight hours a day.

SPEAKER_02 8:04

Yeah, that just I mean, I I was behind it for anywhere from eight to eleven hours a day. And I like I was just it it all stepped from I I was I was in an accident and I I had to be stuck in on desk duty, like typically my job, my day job, I'm up, I'm moving around, I'm talking to people everywhere at at once, it seems like, and then I finally sit down at my desk and it's like, well, now I got paperwork to do. But like

The Sales Side Of Financial Aid

SPEAKER_02 8:33

I would I was strictly doing all of that, and it was just like, okay, so when can I get off of desk duty? Like, when am I done with this? Because I'm over it, I can't do this. I gotta, I gotta move. So, yeah, like kudos to you for being able to do it because like I I originally thought when I was in college, like, yeah, I want that like nine to five, I'm gonna sit behind the desk, it's gonna be great. No, I got way too much energy for that. I'm way too add for that type of job.

SPEAKER_00 9:02

Totally understand.

SPEAKER_02 9:03

Yeah, I guess it's not for everybody, but so since you are from the Cleveland area, what would you recommend for a visitor to do around the city and the suburbs if they are the visited city? As somebody who has visited Cleveland a lot, I do have a

Inside A Financial Aid Workday

SPEAKER_02 9:20

lot of shows that I do up in the Cleveland area. Do love going to the Cleveland area, but what would you recommend for people who haven't been there?

SPEAKER_00 9:27

Yeah, I'm a huge foodie, so it's definitely different restaurants around the area. Yeah, there's like a Filipino restaurant in Olmstead Falls kind of by campus. I try not to go there multiple times a week. It's just so good. There are a ton of good food options in Cleveland. It's it's dangerous.

SPEAKER_02 9:47

So you said a Filipino restaurant. What I I've never had Filipino food. What is Filipino food?

SPEAKER_00 9:53

Yeah, of course. So the thing I can closely relate it to is it's like you have like chicken teriyaki from like Soku or one of those places, it's kind of like that, but they marinate it in a in a pineapple, so it has a little more like tang to it. And then they use like a garlic-fried rice, but they have like barbecue chicken, and some just crazy things. But it's pretty good if you haven't had it before.

SPEAKER_02 10:21

I yeah, I've never, I've never, I don't even know like what I didn't even know what Filipino food was. Like to even like if I saw someone like, oh yeah, I can order that, that's Filipino. I have no idea.

SPEAKER_01 10:32

Right.

SPEAKER_02 10:34

But yeah, I mean, uh I love food. You you don't become a comedian and get to travel as much as you do and not love to find different spots to eat at and find different food, or just whatever's quick and easy because you're on the road a lot. But so what what are some of like your favorite like do you have any exact favorite spots up in Cleveland for for food up there?

SPEAKER_00 10:59

Yeah, other than the Philadelphia. So hard to pick. I guess I can start with Berea. Theyer is a place called Boss Chicken, and they have chicken wings and chicken tenders, but it's it's a little more than that. It's so good. What else is out there? I'm big on Asian food. Our our Asian talent in Cleveland is awesome. There's a lot of good good places there. Uh there's one place called Liwa that I love when they they come out with the carts and you pick what you want. So that's that's pretty good too.

SPEAKER_02 11:31

Okay. Yeah. You can't go wrong with a good chicken wing, can you?

SPEAKER_00 11:35

I you cannot. And it's so close. Walking distance, it's it's scary.

SPEAKER_02 11:39

Yeah, that's tough. That's that's a tough one. I can't have anything within walking distance of where I work.

SPEAKER_00 11:45

Like there's right.

SPEAKER_02 11:47

I feel bad enough. There's a KFC across the street from my day job, and it's just like I I have to stop myself from going to KFC every day because it's right there and it's quick and it's easy, and I can get it, and I I'm obsessed with their chicken tenders. So yeah, like I it's dangerous for when I get around food. It can get it can get bad quick for me. And I'm a big griller. I love I love to grill. I just recently finally, finally got myself my Blackstone grill, which I've been wanting for years, and I think I've had it almost two and a half weeks. I think I've made every single meal that we have eaten on it so far. And I I gotta tell you, the just being able to do that, I I love it. I I'd love to grill anything. If I can find a way, like I've even I've I've been looking up like different recipes. I guess somebody's like, Oh, I made a pasta on my black stone. I was like, now you got this pies on entry. How did you do that? Like what? So finding different recipes. Do you cook a lot yourself, or are you more going out and trying to find different spots?

SPEAKER_00 12:57

I do like to cook a lot, and I just got a blackstone last year, so I understand that excitement. I do have to clean mine this year. You got a little rusty over the winter, so I have to scrape that and clean it off, but it shouldn't be too bad.

SPEAKER_02 13:12

Yeah, I'm not ready for that part. I've heard everyone's like, uh, the cleanup afterwards after the winter time, it can get rough. I was like, I don't ever plan on stopping using this thing, so let's get that out the way. Like, I would think if we give it a chance to get rusty because I'm never gonna stop using it. I always gotta check Johnny's facts on these ones, but I hear he says that you used to have a podcast that you were a part of yourself. So tell us a little bit about this podcast and how did that get its start?

SPEAKER_00 13:43

I did. Excuse me, I'm getting over uh an illness here, so I hear you. It's going around. I did. I I had a movie podcast for a while,

Cleveland Food Spots Worth The Trip

SPEAKER_00 13:52

kind of a pandemic thing. But as you know, the the editing on that takes takes a while to edit things. So I think that kind of got old after a few years. But we would just review two movies and you know figure out which one was better. Movies is uh is a big hobby of mine, kind of my friend group. We have a weekly movie night, save tons of movies. So that's kind of what that podcast was about. It was a lot of fun.

SPEAKER_02 14:19

Do you have a favorite genre that you'd love to talk about on that?

SPEAKER_00 14:22

Oh gosh. I do enjoy a good comedy. If if recently I feel like comedies have not been the greatest, but you're not wrong. If there's a if there's a good one.

SPEAKER_02 14:38

Yeah, I you can't go wrong, but I think they're I don't want to say they're phoning it in with the comedies, but I think we need to get back to the old 90s dumb humor. Yeah. Where it was just like, this is so stupid, it's funny. Like bring back like dumb and dumbers and Tommy boys and those type of movies, stepbrothers and stuff like that. Let's just just make it to I don't want a huge storyline. I want dumb, simple humor the entire time with a little bit of a story background with my comedy. Yeah. But yeah, no, I I I love movies. I'm a big comic book nerd too, as well. So I got into the obviously the Marvel series, and I still brag on my wife because when Endgame came out, I didn't I hadn't seen it yet, and I had planned on going with my son to see we were gonna make a father son day out of it. And then my wife at work, all of the guys she worked with were huge comic book nerds and already saw it. We were just sitting on the porch bullshit, and she was just like, I can't believe Iron Man died.

SPEAKER_00 15:41

I'm like, you what what I watched? Yeah. I was just ruins the whole thing.

SPEAKER_02 15:47

I was like, I just I'm so upset with you right now. Like, I I'm gonna need a minute to process what you just said to me because you just ruined the whole movie. And I still rag on her to this day about that. Like it just spoiler alert to the day. I was like, now I don't even want to see it. Like, I mean I I'm gonna, but I don't want to now.

SPEAKER_00 16:11

That's that's it's horrible when someone spoils a movie for you.

SPEAKER_02 16:14

She's one of those people though, like if we're watching like a drama or something like that, if we're watching a movie or something like that, she will go on and look up how the movie ends because she hates surprises.

SPEAKER_00 16:28

That's how my fiance is. Yeah, yeah. So go and look up shows or movies that we're watching. Yeah.

SPEAKER_02 16:34

I'm like, why do you why why like just enjoy the mystery of wanting to know what happened? Why do you have to know what happens? Right. Because we got into a show. Well, I got her into a show, old show, Burn Notice about the Hermann never watched him. Oh, it's a phenomenal series. I think it's still on Hulu, if I'm not mistaken. It's it's a like a I don't want to say it's a cop

Cooking At Home With A Blackstone

SPEAKER_02 17:01

drama, but it's a CIA operative that gets burned, and his way of trying to get back into the CIA and prove that he didn't do what they say he did. And just all the things he had to do. And I had I had watched the whole series before, and I got her into it, and she's like, Well, how does it end? I was like, I'm not, you know, I'm not gonna tell you, and of course, I see her over on her phone, like looking like this snatch it out of her hand. Like, no, I don't want you to know, I want you to sit and enjoy it. Let's have it, let's enjoy it. But movie reviews can be tough though when you're doing that. Were you tough on like like these all the the Hollywood critics, I guess, would say? Because that there's sometimes we're like, oh, this movie was terrible. I wouldn't see it and I see it, and I'll go and watch it, and it's like, this movie was phenomenal. What are you talking about? Like, yeah, I'm you tough like that, or were you kind of like more of like the the feel-good, we're gonna sit at a bar, we're gonna shoot the shit about it.

SPEAKER_00 18:01

I'm I was pretty more lightweighted about it. My friend who also was on the podcast with me, he's a little more critical of movies. So I think it was a good balance between us. So, but I think most of the time that we agreed, uh, but there were certainly times where I liked it more than he did.

His Movie Podcast And Comedy Films

SPEAKER_02 18:18

I gotcha. Yeah, sometimes I I I know Johnny and Finney love he loves helping out with this show, but there's times when I mean I know I started and brought him on that I think that he's taking over the he loves it a little bit more than me sometimes because he's just all about it, and I love him for that. Like, that's not a knock on Johnny or me or anything like that. But like there's times when it's like, man, you I get waking up to text at 4 a.m. from you, man, and you're like, hey man, I got this person lined up, I got this, I got this. I'm like, dude, I appreciate it.

SPEAKER_00 18:49

But like it's 4 a.m. It's 4 a.m.

SPEAKER_02 18:51

Johnny. I I had another hour of sleep, brother. Like you know what I mean. But no, love Johnny to death. He's been huge for the show and helping out. We're so happy to have him on as the manager of the of the ride home rants here. But you know, with you being an alum and an employee of BW, what would you tell students and their families about the why they should choose BW for a college?

SPEAKER_00 19:18

Yeah, of course. Yeah, I it goes back to that community aspect. So that's kind of what makes us different. You know, a lot of those college campuses have big auditoriums where they have classes with large students. My biggest class size at BW was maybe 30. And my smallest class was like eight. So you really get to know those professors and you they'll give you their cell phone numbers, they tell you to message to text them, call them anytime if they have questions, if you have questions, and it's it's that feel that makes it a lot better. Now I'm a little biased since I went there, I had to work there, but yeah, that's kind of what distinguishes us is that that personal that personal touch, I guess.

SPEAKER_02 20:02

I get it. I went to a smaller college at Bethany College, and like you said, I yeah, I think I think 30 was even considered a huge class at Bethany College. And like I I liked that smaller, I don't want to say more intimate, but more intimate aspect of it to where I I my professors knew me by my nickname. They didn't know me as oh, you're student 4562143. Like they didn't they didn't know me as a number like a lot of my friends that went to a Marshall, a WVU or big Ohio State, like that. That you were a number to them.

SPEAKER_01 20:40

Yeah.

SPEAKER_02 20:40

I still have in my cell phone uh some of my professors' numbers, and I know I could pick up the phone and call them today and they'd answer. You know what I mean? Like it it's it's that kind of community, and I think that's good for for a college student because you're still getting the college aspect of it, but you're getting a I don't want to say better, because I know the bigger schools are are good for there too, but like and I don't want to trash anybody that goes to a bigger school, but you're getting a more intimate learning experience when you're at a smaller college, and it could benefit somebody, especially like me, because I mean I tell everybody you don't go into being a comedian because you were book smart. So, you know, having that aspect definitely helped out.

SPEAKER_00 21:22

Yeah, for sure. And the proximity to Cleveland is is a big thing. Most of our competing schools are kind of out in the middle of nowhere, Ohio. We are so 15 minutes from Cleveland, so you kind of have all those opportunities once you graduate. But you're also in a suburb. Um I actually live in Brea as well, so it's a very safe suburb. That's usually what I tell families as well, because I know that they probably have a lot of uh concerns about safety and things like that.

SPEAKER_02 21:50

Right. Yeah, I think everybody always hears the bad things about Cleveland. Yeah. Which it's an eddy town, but being a bigger city like that, like people awake here. Bad things. I know there's a lot of good up in Cleveland as somebody who goes up there for comedy shows. I wouldn't continue to go there for comedy shows if it was a bad place to go. Right. But yeah, I mean, I benjamin a bunch. Johnny lives up that way. He's always wanted to be out that way. I know we've talked about that on the show too, as well. And I've talked to a lot of fantastic people here. But Rudy, we are running down here near the end of the episode. And I do have to get this segment in. And I know, I think I know you know what's coming here. But for the new listeners out there, that is the Fast Fitty Five. Five random questions from the wonderful manager of the podcast, Johnny Fiddy Falconi. They're kind of rapid fire, but you can elaborate if you need to. And Rudy, these have nothing to do with what we've been talking about for the better part of 30 minutes here. Sounds good. If you are ready, we will get started with the fast video. Let's go. All right. Question number one. What's a better nickname, the Big Mac or Slick Rick?

SPEAKER_00 23:01

Let's go, the Big Mac.

SPEAKER_02 23:03

The Big Mac. Okay. What's harder, in your opinion, to be more stylish? Just having a mustache with slicked back hair or having a bald head with a goatee?

SPEAKER_00 23:17

Ooh. I'm going to say mustache because I cannot grow one.

SPEAKER_02 23:21

So okay. As somebody who has a full beard and it's usually a lot thicker. It just got way too hot and I had to trim it up. But my my wife has always said that that quick way to a divorce is to shave just a mustache into the face. So yeah, I would have to go mustache on that one for sure. Uh question number three: Are jelly donuts better than cream-filled donuts?

SPEAKER_00 23:50

No way. Cream-filled all the way.

SPEAKER_02 23:52

Yeah, I love cream-filled

What Makes BW Different For Students

SPEAKER_02 23:54

donut. Question number four. What color don't you like at all?

SPEAKER_00 24:00

I'm gonna say yellow.

SPEAKER_01 24:07

All right.

SPEAKER_00 24:08

Not sure why. That's the first thing that came to mind.

SPEAKER_02 24:12

Gotcha. And last but not least, what are your thoughts on geese?

SPEAKER_00 24:17

I I'll take them. You know, they're kind of fun to watch. Scary but fun.

SPEAKER_02 24:22

They're fun to watch, but I don't know.

SPEAKER_00 24:24

But I I have been attacked by one before, so yeah.

SPEAKER_02 24:26

I was gonna say I I I I I they're they're mean. Yeah, they are mean. That's what that I've I've been yeah, I've been I I got a I got a scar in my butt from one. I was helping a buddy out. He was he worked at a golf course cutting and trimming up and maintenance, and he asked me to come and help him. I was like, Yeah, I got you, buddy. And I was right down by the by the pond there, and I was like, oh man, this this thing's this dude's not gonna do anything. We have a mower, I'm bigger than him. Next thing I know, he's all up on me. So, like, yeah, I geese, not a fan. Uh that's it.

SPEAKER_00 25:04

I understand.

SPEAKER_02 25:05

That's it for me. But that was the fast 55. And Rudy, I gotta say, you took it a little easy on you, I think, on these ones. Um typically we get a lot harder questions. The mustache one was definitely the toughest question for sure. But Rudy, I mean, like I said, we are running down near the end of the episode. I give every guest this opportunity at the end of every show. If there's anything you want to get out there, if there's anything you want to promote, even if it's just BW or even if it's just a good message in general, I'm gonna give you about a minute, and the floor is yours.

SPEAKER_00 25:37

Yeah, I think the only thing is uh, you know, be kind. I think we could use a little kindness in this world. So that's about it. I'll keep it short and sweet.

SPEAKER_02 25:46

I love it. I love it when people have a good message, and that's that's a great one. You know, just be kind. There's too much hate going on in this world, and doesn't cost anything to be nice. So that that's exactly that's a great message to to end the show. And with that being said, that is going to do it for this week's episode of the Ride Home Rants podcast. I want to thank my guest, Rudy Koontz, for joining the show again. A lot of fun to get to talk to and get to learn a little bit more about you and BW as well. And as always, if you enjoy the show, be a friend. Tell a friend. If you didn't, tell them anyways, they might like it just because you didn't. That's gonna do it for me, and I will see y'all next week.