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Stay Motivated to Reach Your College Goals

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Staying Focused on College Goals: Strategies for Gifted and Driven Students

Even the most gifted and talented students can occasionally be tempted to “drift” during the school year. In fact, bright students may be even more susceptible to losing focus when they lack sufficient academic challenge or stimulation. For this reason, it’s important for both parents and students to stay mindful of effective ways to remain focused on long-term goals—even when others may lose their way temporarily or, unfortunately, more permanently.

Every school year brings its share of ups and downs, but the students who maintain consistent focus and motivation throughout high school are typically those who find themselves in the strongest position when it comes time to graduate and move on to the next stage of life.

Fortunately, there are a number of proven strategies that can help students stay on track with their college preparation goals. Identifying which approaches work best for your student can pay major dividends throughout the high school experience.

In this month’s newsletter, we’re sharing some of the top tips for helping students keep their eye on the “college ball” during their preparatory years. If you have specific questions—or would like more personalized guidance—please don’t hesitate to contact us. As college funding professionals and application experts, we are uniquely equipped to provide the details, planning, and strategies that can make a lasting difference for your family’s college journey.

Tip 1: Focus on Specifics

The details matter—and they’re different for everyone. Each student has unique strengths and weaknesses. For instance, one student might struggle to keep track of notes or materials from a particular class. A simple, specific strategy could be to organize and store all materials immediately after class. This small, targeted action eliminates the problem of misplaced notes.

Another common challenge is procrastination—something almost all students face. Attaching specific actions to goals can help combat this tendency. For example, setting a rule to finish homework before engaging in social activities builds discipline, focus, and confidence when followed consistently.

Tip 2: Stay Positive

Attitude plays a major role in academic success. As Charles R. Swindoll wisely said, “Life is 10% what happens to you and 90% how you react to it.” High school is full of challenges—whether it’s a difficult class, a tough teacher, or even illness—but how students respond to these obstacles can determine their ultimate success.

Staying positive doesn’t mean ignoring difficulties; it means looking for the silver lining and learning from every experience. Maintaining an optimistic mindset helps students avoid getting bogged down by negativity that can drain motivation and focus.

Tip 3: Prioritize, Prioritize, Prioritize!

When faced with multiple tasks, most people instinctively tackle the easiest one first—but that isn’t always the smartest move. True prioritization means identifying which tasks matter most in relation to long-term goals.

Easier classes might not require immediate attention, while more challenging subjects may need to come first. Taking time to evaluate which areas demand the most focus allows students to allocate their effort wisely and stay on course toward academic success.

Tip 4: Swallow Pride—Ask for Help When Needed

Admitting the need for help can be difficult, but it’s also a sign of maturity and self-awareness. When challenges arise, it’s crucial to seek assistance early before falling too far behind.

Whether it’s asking a teacher for clarification, finding a tutor, or reaching out to peers for support, even small amounts of extra help can make a big difference in staying motivated and on track.

Tip 5: Set SMART Goals

Goal-setting is one of the most effective ways to stay motivated. A simple but powerful framework is to set SMART goals—those that are:

  • Specific – Clearly define what you want to accomplish.

  • Measurable – Track progress with concrete milestones.

  • Attainable – Set goals that are challenging but realistic.

  • Relevant – Focus on goals that directly support academic and personal success.

  • Timely – Establish deadlines to maintain accountability.

For example, instead of vaguely resolving to “get better at math,” a SMART goal might be: “Raise my algebra grade from a B to an A by the end of the semester through weekly review sessions and regular practice.”

Writing down goals, creating timelines, and revisiting them regularly keeps students on a clear and measurable path to achievement.

Tip 6: Take Time to Reassess

Even the best-laid plans encounter obstacles. That’s why it’s essential to periodically review goals and strategies to see what’s working—and what’s not.

Regular reassessment allows for course corrections before small setbacks turn into major roadblocks. Adjusting plans as needed isn’t a sign of failure; it’s a smart, proactive approach that helps ensure steady progress toward success.

Remember, assessment isn’t just a beginning-and-end exercise—it’s an ongoing process throughout the high school years, and one of the most powerful tools for long-term achievement.

Parents, Stop: Lessons in Letting Go

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Parenting a teenager can feel like balancing on a tightrope. On one side is the desire to protect and ensure their success; on the other is the need to let them grow, make mistakes, and learn independence. As the college years draw near, the stakes feel higher, and many parents instinctively lean toward controlling the process. But here’s the hard truth: if we don’t let go, our kids won’t be ready to thrive once they leave home.

Here are three big reminders for parents preparing their children for college and beyond:

1. Let Your Child Fail—and Grow From It

Failure isn’t a sign that you’ve done something wrong as a parent—it’s a normal, healthy part of growing up. Think back to when your child first learned to ride a bike. You probably ran alongside for the first few wobbly tries, but eventually you had to let go. They fell, maybe scraped a knee, and cried a little. But they also got back up, tried again, and learned to balance.

High school and college work the same way. A forgotten homework assignment, a missed curfew, or even a disappointing test score teaches lessons that no amount of parental reminding can replace. These small failures build resilience, time-management skills, and problem-solving abilities.

Tip for parents: Before rushing in to “fix” something for your child—pause. Ask yourself, what lesson might they learn if I step back? Sometimes the most loving thing you can do is let the mistake play out.

2. Guide—Don’t Micromanage

It’s natural to want to smooth the path for your child, especially when it comes to something as intimidating as the college process. But there’s a big difference between guiding and micromanaging.

  • Guiding looks like asking open-ended questions: “What do you like about this college?” or “How do you see yourself balancing school and a job?”
  • Micromanaging looks like filling out applications for them, rewriting their essays, or controlling their schedules down to the hour.

The problem with micromanagement is that it robs students of ownership. When they don’t have to make their own decisions—or deal with the consequences—they arrive at college underprepared for independence.

Tip for parents: Treat the college process as practice for adulthood. Encourage your student to set deadlines, make appointments, and do the research. Be a sounding board, not the driver.

3. Be Realistic About College Costs

Here’s a myth that stubbornly lingers: “If my child just works hard enough in the summer, they can pay for college.” That might have been true a generation or two ago, but it’s not today. The average cost of tuition, fees, and living expenses has far outpaced what a summer job—or even a part-time job during the school year—can cover.

Summer earnings are important, but they usually go toward books, transportation, or personal spending money—not tuition. Expecting your student to cover significant tuition costs alone will almost always lead to frustration.

Tip for parents: Have honest conversations about money early and often. Discuss what the family can contribute, what’s expected of the student, and how scholarships, grants, and financial aid fit into the picture. When everyone understands the financial reality, the college decision becomes much clearer.

Final Thought: Step Back So They Can Step Up

Parenting in the teen years is less about controlling outcomes and more about preparing your child for the next stage of life. By letting them fail (safely), guiding instead of micromanaging, and being open about the financial side of college, you’re setting them up for success far beyond the classroom.

It’s not always easy to loosen the reins—but remember, college isn’t just about academics. It’s about growing into an independent, capable adult. And that growth begins the moment you stop doing everything for them and start letting them do more on their own.

 

Finding the Fit

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We love guiding families through the process of finding a school that truly fits a student—academically, socially, and financially. One of our favorite moments is when everything clicks, and the hard work pays off with that big “aha!” for the family.

Academically, the fit starts with research. Through conversations about goals, strengths, and interests, we create an initial list of schools. The student then takes ownership—researching, weighing pros and cons, and sharing insights. Together, we refine and repeat this process until the list narrows to about 7–12 schools that align with academic goals. At the same time, we help students strengthen their résumés, so they check the right boxes for admissions officers.

Socially, the fit is often more intuitive. As the academic list takes shape, we look at the bigger picture—extracurriculars, internships, weekend fun, food, and campus culture. This is where students with passions like athletics, theatre, or leadership can dive deeper, connecting with coaches, professors, and campus organizations.

Financially, the fit can be the most challenging. For most families, this responsibility falls to the parents. We begin with a budget worksheet, then move to the tough but necessary question: How will you pay for college? College is a major investment, and we work to understand each family’s unique dynamics so we can build a realistic, sustainable plan.

Finding the right school takes time, energy, and commitment—but you don’t have to do it alone. We’re here to walk with you every step of the way.

Feel free to call and schedule a free consultation 614.230.1208

How Procrastination Affects Admissions and Financial Aid

“Five Ways That Procrastination
Can Undermine Both College Admissions
And College Funding”

Dear Parent,

One of the most important elements of college preparation – both for admissions and for college funding – is simply being prepared in advance for the process. Even the best-laid plans are not fail-safe if they are implemented too late in the game, and this is a reality that we see year after year, time and time again in this business. For this reason, we are constantly encouraging students and their families to start their college preparations early on, so that they can be best prepared for every eventuality.

There is no question that it is a big job, however, and this is probably one of the biggest reasons that people can tend to put off their action steps until deadlines approach – and as we have seen many times, at this point it is often simply too late to have a significantly positive effect on the outcomes of applications and financial preparations.

As college funding advisors who understand the ins and outs of the application and financial aid processes, we stand ready to serve families with college-bound kids, and we also know exactly what steps need to be taken at each stage of the high school years. The simple fact is that ignoring these steps early on can have a deleterious effect on a young person’s college opportunities, both through the admissions cycle and through the realities of college funding.

We have decided this month to share some of the pitfalls that can be avoided by proper planning and preparation in advance, in the hopes that more families will take the steps needed to avoid procrastination and create the best options for their child’s experience in higher education. The good news is that this sort of preparation, when undertaken properly, dramatically lowers the workload for both parents and students later in the high school years. The better prepared a family is for college, both academically and financially, the more options are available after high school – and the less they will stress out during the senior year of high school! Starting early is honestly not that difficult, if you know what you are trying to accomplish and what you are trying to avoid, so we urge you to have a look at these viable and vital reasons to avoid procrastinating college preparation.

Should you happen to have any questions, of course we are always ready to assist – because it is certain that procrastination of these important steps can definitely come back to bite a family later!

**********

Not Starting The Process Early Enough

When a child is born, to the minds of the parents he or she is perfect, and represents all the best possibilities in the world. At that time, however, it’s often difficult for new parents to imagine that in only 18 short years, that baby will be heading off to college. Planning early will be the best decision a parent can make concerning his college funding.

It is no secret that, in many areas, college costs are spiraling out of control and they are overwhelming to many parents. One of the first things that parents can do is calculate what they think will be needed for college for their child. This can give a rough estimate on what needs to be saved each month. However, it is a good idea to have some reasonable input from a knowledgeable source before planning with these numbers.

With that said, this amount is not hard and fast. It’s there to give an indication. The point is, parents should start planning as early as possible for college, and the best way to do that is through consultation with a College Funding Advisor. Frankly, most people do not start really working on this when their child is small, but it certainly can make a huge difference later.

As the old Chinese proverb goes, however “The best time to plant a tree was twenty years ago… the second best time is now.” So if you have a college bound child – now is the time to take some positive steps!

Not Strategically Moving Assets Soon Enough

Retirement assets will usually (hopefully!) take decades to deplete. However, college funding will usually be used up in a narrow time frame – usually within 5 years, unless graduate or professional school is involved. This shortened amount of time means that one does not have the flexibility to ‘ride it out’ in the event of a major market fluctuation like they would a regular retirement account. This is one big reason that there are different types of college funding options to consider.

When it comes to preparing your child for college, having access to educational funds is vitally important. Regular, high-risk investments might be able to tolerate the ups and downs when one does not need access to the money in the near future. However, it is a good idea to discuss college funding options with an expert to find options with the most stability. If one procrastinates then those funds may not be there when they are needed.

Waiting Too Long to Apply for Aid

Filling out the FAFSA is not exactly something any parent looks forward to. However, waiting too long to fill out these types of forms, or simply getting them turned in by the posted deadlines may be a serious mistake. Many schools have a much earlier deadline than FAFSA’s and that could make it impossible to qualify for most financial aid.

The FAFSA form takes approximately 30 minutes to fill out. It is a good idea to simply do it as soon as possible to avoid have any complications with acquiring aid for the coming school year. It is also something that should be discussed with an expert to make sure nothing is missed and all of the information is properly completed.

Comparing the deadlines for all of the colleges and universities your child is interested in applying for and making doubly sure that all of the financial information is ready to go when filling out the FAFSA will pay dividends if done early. Of course, that will also assume that parents need to have their taxes prepared and filed so that all of the information is ready and can be provided on the appropriate forms. Whatever you do, do not miss these deadlines!

Forgetting the FAFSA is Required Every Year

Just because parents have dutifully filled out the FAFSA one time does NOT mean all is well in that regard moving forward to the following years. Your child’s eligibility for financial aid from one year, unfortunately, will not necessarily carry over to the following year. Each year’s decision is based on new financial information, so the form must be filled out each and every year of college. Remember that family circumstances can change from year to year and those changes may affect eligibility.

If your child is still in college then a form will need to be filled out for the following year. It’s just as simple as that. On the good side, if you have a College Funding Advisor – then you also have a built-in reminder service!

Not Curbing Procrastination Habits Early

Procrastinating high school students almost invariably will become procrastinating college students. Habits take time to form and if procrastinating to get things done while in high school is how things were accomplished, there is a very reasonable worry that the same behavior will continue at the next level. High school is often demanding and rigorous, but not nearly as much as students will see in college. The college or university life lacks the automatic structure of parents, as well as attendance requirement from high school. Students who don’t show up to class and/or procrastinate doing their course work don’t just get a bad grade, they’re wasting a lot of money!

For this reason, it is vital to curb procrastinating ways sooner rather than later, and high school is the place to get that done. If distractions are a problem, find a space that is free from distractions. Create a place where your child can study that is calm and will allow him or her to focus without being tempted to turn on the TV or  the internet.

Staying focused, being disciplined and meeting deadlines is extremely important not just for getting into college, but for everything that will come after college!

For the latest information on college planning, admissions, and financial aid; follow us on Facebook or Twitter.

Until next month,

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Hidden Costs of College Revealed

The Hidden Costs of College

What Families Often Overlook — Until It’s Too Late

When it comes to planning for college, most families brace themselves for the cost of tuition. But what often catches them off guard are the other expenses — the hidden costs that don’t always show up on the financial aid award letter but can make a significant impact on your college budget.

As college funding advisors, we’ve seen how easily these surprise costs can derail even the most well-planned college funding strategy. That’s why we’re using this month’s blog to highlight some of the most overlooked (but very real) expenses that show up during the college years. If you’re preparing to send a student off to college — or you’re already in the thick of it — this breakdown is for you.

1. Living Expenses: More Than Just a Dorm and a Meal Plan

Most families expect to pay for room and board — but what that actually includes can vary widely. Whether your student is living on-campus, moving off-campus, or switching living arrangements between academic years, housing costs can balloon quickly.

Here’s what often gets underestimated:

  • Off-campus rent (which may not include utilities or internet)

  • Takeout and restaurant food, especially without a structured meal plan

  • Transportation, including gas, car insurance, or rideshare expenses

  • Mobile phone and streaming bills

Even when schools provide an estimated cost of attendance, their numbers might not reflect your student’s lifestyle or actual choices — and they rarely overestimate. A sudden change in living arrangements mid-year can also throw off a carefully constructed budget.

Pro tip: Reevaluate housing plans each year and consult with a college funding advisor before making any big changes.

2. Direct Academic Costs: It’s Not Just Tuition

Tuition may be the headline cost, but it’s far from the only one. Many academic programs carry hidden fees that can sneak up on families:

  • Lab fees for science and engineering courses

  • Course materials, including online platforms or software licenses

  • Tutoring, especially if outside academic support is needed

Even students in general education classes may find extra charges attached. These can be manageable with a plan — but without one, they’re just another line item that adds financial stress.

3. Extracurricular Opportunities (and Their Price Tags)

Clubs, internships, study abroad programs, and other enrichment opportunities can be incredible — and expensive. These activities are often essential for building resumes and life experiences, but they come with costs like:

  • Program and travel expenses for study abroad

  • Membership dues for clubs and professional associations

  • Training or certification programs for career-specific development

Planning for these opportunities early on — even in broad strokes — helps ensure they’re part of the budget, not a financial emergency.

4. Unnecessary (But All-Too-Common) Expenses

Not all college costs are necessary — in fact, some of the most expensive ones are completely avoidable. Poor planning, lack of accountability, and lifestyle choices can drive up costs far beyond what’s needed. A few examples we see far too often:

  • Extra semesters due to changing majors, failed classes, or poor planning

  • Over-spending on entertainment or social activities, draining the budget

  • Unmanaged food expenses, especially for students with no meal plan

The national average for completing a bachelor’s degree has crept past four years — and every extra semester means another round of tuition, fees, and living costs.

A clear academic roadmap and structured budget can make all the difference.

Planning Ahead = Peace of Mind

College is a major investment — financially, emotionally, and personally. The good news? Many of these hidden costs are predictable when you know what to look for. That’s where we come in.

At Midwest College Planning, we help families understand the full financial picture — not just tuition, but all the variables that impact the bottom line. Whether you’re still in the early planning stages or already navigating college bills, we’re here to help you make smart, informed decisions that keep your goals on track.

Need guidance on your college financial plan? Let’s talk.

                                                                                 

Financial Realities of College-how much do you share?

     

 “The Financial Realities Of College:

How Much Should YOUR Child Know Before Starting?”

As summer is in full swing it may become more and more challenging for families to think about preparing for college.  We mentioned last month, planning for college is about having conversations.  Be sure to include the reality of college expense.   Unfortunately, for a variety of reasons, these financial details are often ignored… and both parents and students can be guilty in this regard.  This can definitely have a detrimental  effect on their levels of financial, academic, and personal stress during the college experience.

We understand fully that preparing for college or university studies can be stressful, in many ways.  Perhaps because of this reality, there can be a tendency for people to want to ignore some of the more challenging topics related to the transition to the next level of education.  However, ignoring these topics does not make them disappear.  By the same token, if only the parents (or, more rarely, only the students) are involved in these preparations, then it is not a team effort and there can be miscommunications and problems further down the road.  Our experience has been that it is absolutely vital for parents and students to have a mutual understanding of how things are proceeding for college preparation.

For this month’s newsletter, then, we want to explain a few of the most important elements that new college students (and high school students) should understand when it comes to starting their experience in higher education.  Yes, there will be a lot of students in their peer group – far too many, in our experience – who have no idea about these things.  However, rest assured that this lack of knowledge will more than likely become something that will come back to haunt them in the end.

As college funding professionals – and people who deal with these things on a daily basis – we want to help you and your family to experience a smooth transition into and through college or university studies.  We have a special skill set and will be happy to assist in any way possible with your family’s plans in this regard.

 Be Clear From the Beginning
Culturally, we tend to have many “taboo” subjects in the US. Depending on the individual, they may range from religion to sex to money. The subject of money, in particular when it comes to higher education, can get families into deep water if not dealt with from the very beginning with honesty and clarity.
How to pay for college should be a family discussion. This is a subject that should take center stage when getting ready to choose a school. It will have a lot to do with the choices your child will be able to make about where to go. It can also have a big impact on the family for the future.
If your child has his or her heart set on a ‘dream’ school then it is important to have the discussion and have the plans in place to cover the costs of such a school. This can all be done strategically and carefully, as well, with a thorough college funding expert. No parent wants to be saddled with massive amounts of debt when looking to cover costs at a prestigious school, nor do children want to feel that they have become a burden that the family has to bear in order for them to attend school.
Communication and (early!) preparation are really the keys, here. Will the parents be covering the entire costs of college? Will it be a combination of loans for the child plus what the family is able to contribute, or can this be avoided with proper planning?  (Note: it often can.) Having clear goals from the beginning and discussing those goals openly as a family will only bode well for the future college student. Tackling those goals with an expert will make it possible to move forward with those plans smoothly and successfully.

Focusing on the “Why” of College
Unfortunately, we see that students may not fully grasp the concept of ‘why.’ In fact, many visit colleges and make decisions on whether to attend or not based on a ‘vibe’ they get at the school, or where all of their friends are planning to go. It is important to make the most informed decision possible when going to college. This starts with the ‘why’ of going to college and then extends all the way through to the ‘where’ of going to college!
Some of the things that should be discussed and explored before beginning a college search include finding out what your child’s academic motivations are. Once these are laid out, it can be easier to look at options at that point. Clarifying interests and academic goals and motivations will make choosing the right college easier and it will mostly likely be a much better return on the investment. Not every child is clear on his or her ambitions in the teen years, however. This does not mean that all is lost. If they are not sure exactly where their academic focus is you are still able to make informed decisions. If they are able to narrow their interests down to a few different areas then you can search for colleges that have strong programs in the areas where their interests lie.  All of these discussions, when completed early on, can go a long way toward making the transition to college more manageable.

How (Or How Much) To Contribute
Many parents feel guilty if they determine that their ability to completely pay for their child’s education is not possible. It is easy to find parents who have gone into massive debt in order to make their child’s dreams of a college education possible even when it puts their own financial stability in jeopardy. This is one instance where having a solid college planning expert will help to ensure that these types of dire situations can be avoided.
Parents taking stock of what is realistic and what their child’s goals are will be very important in the part of the planning process. Do the parents want their child to attend a specific school?  Even more importantly, is that school a good fit for the student?  If so, is it currently possible to send them there, considering academic and financial realities?  What other options are available?  Once these questions are asked then the parents can move forward and see what will be required in terms of their contribution.
It is also important for parents to understand that where their child goes to college is not a reflection of their parenting skills or who they are as people. Keeping their child financially secure is a major requirement for parents and placing them in a school that they cannot afford and/or will place an undue burden on their child by way of student loans is not a great way for a child to be starting out in life. Planning ahead and making prudent choices based upon real financial circumstances and careful planning with an advisor will ensure the best choice possible is made that will benefit all parties over the long run.

Managing Parental Contribution/Retirement
There is no question that paying for a child’s college education can be a big sacrifice for parents. Parents who have an average annual income of $100,000, for example, can find that college expenses for just one child run $100,000 (and that is being moderate)… which can mean that they should expect to work an extra 10+ years in order to recoup those costs. That could mean delaying retirement in most cases – or, as mentioned above, saddling kids with significant student debt.
Because of these realities, this is another area where careful and early planning can make all the difference. The right adjustments and placing money in the proper strategic places may help to prevent some of the drastic measures to which many people succumb. These are definitely things that can and should be discussed with the college planning advisor – and the earlier that happens, the better! 

Probably the most important element of this part of college preparation can be boiled down to “communication!”  When people do not know exactly what is expected of them (financially, or in any other facet of life) then they are much more likely to make significant mistakes.  This is even more apparent when it comes to young people who are just starting out on their own – at college, or anywhere else… the more things can be clarified and communicated, the more likely they are to be able to manage these expectations successfully.

Until next month,

Why Hiring a College Planner Makes Sense

If you’re a parent of a high school student, chances are the word college brings up a mix of emotions—excitement, pride, maybe even a bit of panic. Between rising tuition costs, competitive admissions, and endless deadlines, navigating the college planning process can feel like a full-time job. That’s where Midwest College Planning comes in—and why hiring us can be one of the smartest investments you make in your child’s future.

1. Expertise You Can Trust

College planners live and breathe this stuff. From understanding the nuances of the FAFSA to knowing which schools are more generous with merit aid, college planners bring a wealth of knowledge that most families simply don’t have. They stay up to date on admissions trends, testing changes, and financial aid policies, so you don’t have to. That kind of insider know-how can save you time, money, and stress.

2. Personalized Strategy for Your Student

Every student is different. We will take the time to understand your teen’s strengths, interests, and goals, and help build a tailored college list that reflects who they are—not just where everyone else is applying. From academic fit to campus culture to affordability, your child will have a smart, well-rounded plan for success.

3. Reducing Stress for the Whole Family

Let’s face it—college planning can strain even the best parent-teen relationship. Having an experienced third party in the mix helps ease tensions. Planners keep students on track with deadlines, help with essays, and act as a coach and motivator. You can go back to being the supportive parent, not the project manager.

4. Financial Guidance that Pays Off

College is a major investment. Midwest College Planning can help you understand the true cost of each school (not just the sticker price), compare financial aid offers, and explore strategies to make college more affordable. 

5. Peace of Mind

There’s no greater comfort than knowing you’re not doing this alone. With Midwest College Planning by your side, you can feel confident that nothing is falling through the cracks. Every detail—from applications to scholarships to deadlines—is covered. You’ll sleep better at night knowing your child is on the right path.

Final Thoughts

Hiring a college planner isn’t just for the Ivy League-bound. It’s for any family who wants to approach the college process with clarity, confidence, and calm. Whether your teen is aiming for a competitive university or exploring affordable options closer to home, a college planner can help make sure they land at a school where they’ll thrive—without breaking the bank.

Have questions about how college planning works or whether it’s right for your family? We’re here to help. 

Learn more about our Free Consultation

Heading Off to College: 10 Practical Tips for High School Graduates

Graduating from high school is a major milestone—congratulations! As you prepare for this exciting next chapter, the transition to college life brings both freedom and responsibility. Whether you’re moving across the country or just down the road, here are some smart, practical tips to help you start your college journey on the right foot.

1. Learn Basic Life Skills Now

Before you leave home, take time to master everyday tasks—doing laundry, cooking a few basic meals, managing a budget, and scheduling appointments. These small skills go a long way in helping you feel confident and independent.

2. Get Familiar With Your School’s Resources

Most colleges offer incredible support services—academic advising, mental health counseling, tutoring centers, and career services. Don’t wait until you’re struggling to find out where they are. Explore them early, even during orientation week.

3. Take Charge of Your Time

College gives you more freedom, but also more responsibility. Use a planner or a digital calendar to manage your classes, deadlines, and activities. Time management can make or break your first semester.

4. Make Your Health a Priority

It’s easy to let healthy habits slide when you’re living on your own. Prioritize sleep, stay active, eat as balanced as possible, and don’t hesitate to visit student health services if you’re not feeling well—physically or mentally.

5. Budget Wisely

College is expensive, and the little costs can add up fast. Set a budget that includes books, food, social events, and any travel. Learn to track your spending (apps like Mint or You Need A Budget can help).

6. Connect With Your Roommate(s) Early

If you’re living with a roommate, reach out before move-in day. Getting to know each other a bit beforehand can make the transition smoother and help avoid awkward situations later.

7. Don’t Overcommit Right Away

The first few weeks on campus are exciting, and it’s tempting to join every club or attend every event. Go slowly. Focus on getting settled first, then ease into extracurriculars that really interest you.

8. Stay In Touch With Home

You’re starting a new life, but keeping in touch with family and old friends provides emotional grounding. Schedule a regular check-in call or send a quick text when you can—it means a lot on both sides.

9. Be Open to New People and Ideas

College is a time for growth. You’ll meet people from different backgrounds, with different viewpoints. Be curious, respectful, and open—you’ll learn as much outside the classroom as in it.

10. Ask for Help When You Need It

You don’t have to have it all figured out. College is a learning curve. Whether it’s academics, emotions, or adjusting to a new environment, don’t be afraid to reach out. There are people who want to help.

Final Thought:
Starting college is a big step—but you don’t have to do it perfectly. Give yourself grace, stay curious, and keep asking questions. You’re building a life, not just earning a degree.

College: 10 Reasons it is so Expensive

Let’s talk about college—and more specifically, why it’s so expensive. After over 16 years working with families on college planning, I’ve seen the same patterns repeat. And yes, there are many reasons why student loan debt has reached staggering levels, but here are a few key factors I see all the time.

In no particular order:

  • Parents aren’t saving – New homes, new cars, lifestyle upgrades… college savings often get pushed to the back burner.

  • Students aren’t saving either – Daily lattes and impulse buys add up quickly. Many teens aren’t thinking long-term about what they’ll need for college.

  • Lifestyle vs. Legacy – Are you building lasting financial health, or just keeping up appearances?

  • Skipping the money talk – Families dive into college applications without ever discussing what’s affordable.

  • Forgetting college is a privilege, not a guarantee – A sense of entitlement can lead to unrealistic expectations—and big debt.

  • Parents not saying “no” – Or making excuses. Setting boundaries is tough, but necessary.

  • Missed opportunities – Students who don’t take standardized tests, meet with reps, or market themselves are leaving money and options on the table.

  • Yes, your child is amazing—but… – Not every “top” school is the right school. Fit matters more than prestige.

  • Labels don’t pay the bills – Focus on outcomes, not name recognition.

  • It’s okay to say no – If the school doesn’t make sense socially, academically, or financially, it’s okay to walk away.

At the end of the day, it comes down to having honest conversations—together. Sit down as a family. Look at your budget. See how much you’ve saved and explore ways to save more. In our workshops, we often joke that “SAVE” is the new four-letter word, but for many families, it’s a foreign concept.

I could go on a full-on rant, but that’s not going to help anyone. What will help? Attending one of our free college planning workshops. Signing up for a no-cost consultation. And most importantly—starting to save today.

Your future self will thank you.

Use High School to Prepare for College

 

We find that one of the best things that parents and high school students can do to make their eventual transition into the college years as smooth as possible is to manage their high school experience in a specific way.  Students who try to view the high school years as an actual “college-prep” period will find that there are a lot of helpful parts to their high school experience, if they are willing to take advantage of them.  By the same token, parents will also find that the high school years are their own absolute best opportunity to prepare for college financial and asset management.  Working together, the high school experience can be more than just a chance for the student to get a diploma – it can be a perfect opportunity for the entire family to be optimally prepared for the college years.

The good news is that it generally does not require a lot of extra effort to turn the normal high school experience into a terrific college preparation period.  It does require some planning, and students cannot necessarily run on auto-pilot as much… and parents need to be actively engaged in the process to make the financial end work properly.  But the challenge is definitely doable, and we are the experts in helping families to make this kind of an invaluable high school experience a reality.

For this month’s newsletter, we are dedicating these pages to help you understand why these preparations are important, and how to make them happen.  Remember, if you have any questions about these important college preparation subjects, we urge you to give us a call.  College funding and application professionals are experienced and knowledgeable in these areas and can offer tailor-made explanations, planning, and information when it comes to these important college preparation efforts.

  1. Investigate Early College Credit Options

One great way for students to get a head start on their college experience is to look for opportunities to earn college credits while still attending high school.  There can be a variety of options, and they are all worth looking into.  Some schools will offer Advanced Placement (AP) courses than can actually count for future credit at many colleges and universities.  Of course, these courses presuppose that the student has demonstrated some strong aptitude in the subject matter, and are not available to every single student who expresses interest – but if the chance is there, and the student has the interest and the academic chops to handle it, then it can be a terrific alternative to the rank and file coursework.

Another possibility for some students, depending on locality and arrangements, is the completion of individual college courses during high school.  This is sometimes on a special agreement with a local community college or public university, but it can be a great way for students to get their feet wet early on, and even get a jump on completing some of their core curriculum classes at the next level before they have ever officially matriculated as a college freshman!

These options can make sense academically, putting the student ahead of the curve and building confidence early on… but it can also make a lot of sense financially.  You see, courses that a student completes before setting foot on campus are courses that will not show up on the college tuition bill later, and on that front every little bit helps!  If a student can shave off as much as a term or semester from the eventual course of their undergraduate degree, then the amount of tuition saved can be pretty darned significant.

     2. Seek Out Academic and Extracurricular Experiences

            High school is a great time in a young person’s life, but there are many instances where students will feel pressure (whether external or internal) to follow the proverbial “path of least resistance.”  Advance Placement courses are not the only way for students to excel, and can sometimes be the wrong choice for a student due to academic interest, motivation, or other considerations.

            It is vital for students to seek out opportunities to truly discover what their interests are, what experiences inspire them the most, and to begin to develop an understanding of what they want out of life.  Of course, those answers will often not come completely during the high school years, while there will be other students who may have known since they were five years old that they wanted to become a pilot, or an architect, or a doctor. 

            The point of high school is not to pigeonhole a student into a specific academic track prematurely, but rather to offer a chance for learning and growth, as well as an opportunity to demonstrate abilities, talents, and interests.  This can only really happen if the high school experience is treated appropriately, and not viewed as sheer drudgery to be endured only until graduation springs a student onward to the thrills of university life. 

Yes, we all know that high school can be rough at times, and we all have memories of certain classes that were… well, yes, probably sheer drudgery… but we are convinced that it is important to seek out whatever intriguing and inspiring options can be found in the high school experience.  Some semesters this may be more challenging than others, due to different teachers or social pressures or family challenges, whatever the case my be, but it is well worth the effort to seek out the best things that a high school has to offer.  This includes academic offerings, clubs, sports, theater, community involvement – really, anything that interests and inspires your child to a higher level.

     3. Communicate With Counselors Regularly

            There can certainly be a benefit derived from keeping the lines of communication open with high school and college counselors.  While the individual value can depend a lot on the counselor himself or herself, there are basic college preparatory courses and requirements with which most counselors are quite well-versed.  It is important for college-bound kids to be familiar with these tidbits, even if some guidance counselors do not have a lot to offer beyond that (which is sadly sometimes the case).  Maintaining a respectful and cordial relationship with these counselors can only help later when it comes time for letters of recommendation or paperwork for college application, regardless of how much or how little a specific counselor has to offer.

            With this in mind, as College Funding and Admissions Professionals, we also view ourselves as counselors in this arena, and we know that we bring the most up-to-date and actionable information for both college-bound students and their parents.  We have access to the information about the schools that interest your child, no matter where in the country they might be located.  We are the most reliable experts in managing the college funding challenges.  We really are here to help with all aspects of the college preparation experience.

            As you know, higher education financial planning and college application services stand at the very foundation of our work as college funding professionals.  This leads us to an ultimate goal of assisting parents in seeking the very best strategies for the management of their financial circumstances, as well as the proper utilization of assets to create the best situation possible with regard to the college options for the academic future.  This entire process works best, very simply put, if the parents are well-prepared ahead of time, with a clear set of guidelines to help along the way to preparation for their student’s future college and university years… as well as the attending college and university expenses!