Category Archives: college prep

admissions, college guidance, college planning, college prep, essays

Prepping for the College Application

college applicationBefore your student hits submit on his college application, he has work to do. Summer is a good time for juniors and seniors to start prepping and looking towards the future.

Which colleges belong on your list

A good college list should have three “fit” criteria: financial fit, academic fit, and emotional fit. Once your student has a tentative list, ask if they have all three criteria before finalizing the list.

Financial Fit

Does the college fit into your family’s budget? If the college doesn’t fit financially, cross it off the list. While you should never consider a college solely based on the sticker price, you should certainly examine what will happen if your student is accepted and doesn’t receive any financial aid. Remember when factoring in cost, don’t forget about the add-ons like traveling expenses or meal plans. They can add up and have a substantial effect on your budget.

Academic Fit

Does the college fit into your student’s academic aspirations? This might seem like a no-brainer, but the education is a key factor in attending college. Cross the college off the list if it doesn’t fit into your student’s academic learning style. For instance, is your student looking for smaller class sizes and strong relationships with his professors? A larger university won’t offer this.

Emotional fit

Can your student see himself attending college there? When he visited the campus, did it “feel” right and did he have a rapport with the students he came in contact with? You might think college shouldn’t be an emotional decision, but it is. After all, they will be spending at least four years of their lives there. If they don’t fit into the social climate they will be miserable.

Positioning

Another thing to consider is positioning. Is your student positioned well with the other applicants, especially if you are looking for merit aid? Are their scores, grades, and achievements good enough to put them at the top of the applicant pool?

As you can easily see, there’s more to refining a college list than picking a college with Greek life or college sports rankings. It’s a place your student will call home and he needs to feel comfortable there. Once you’ve determined if the college has all three criteria, add it to the final list.

Which part of the college application is most important?

Any admissions officer will tell you that the essay is the most important part of the college application. The essay is your student’s “introduction” to the college and an opportunity to reveal the true person behind all the data on the application. They should spend time crafting the essay and painting the best picture possible for admissions officers reading their essay.

In addition to the essay, an important detail to remember is verifying that all items requested by the college are included in the application. That means recommendation letters, supplemental essays, transcripts and standardized test scores. An incomplete essay can be a red flag to admissions officers and could land your student’s application in the rejection pile.

When should your student apply?

Colleges post their admissions deadlines on their websites and within the Common App if they are one of the schools using it. But their deadline should not be your student’s deadline. Their application should arrive early—before the deadline. Applications that arrive early are first in line: first in line for review and first in line for financial aid. It stands to reason that applications that arrive early, before all the thousands of others applying on the deadline, will get greater attention.

Once the application is complete, proofed and verified that all forms and supplements are attached, submit it. Don’t wait until the last minute. Make sure your student has plenty of time to review all the components of the application before submitting it.

If you are applying regular decision, ED (Early Decision) or EA (Early Action), plan on submitting it at least two weeks in advance of the deadline. This puts you at the head of the pack and allows for any technical difficulties that could pop up. Waiting until the last minute on a college application is playing with fire.

With rolling admission, submit the application as soon as it’s complete. Most rolling admissions schools have a limited number of student slots, and as they judge and accept applications, those slots get filled. If you apply too late, then there’s a good chance all the slots may be filled, and you’ll be out of luck.

Schools with rolling admissions offer important options and opportunities that static deadlines don’t. Rolling admissions schools will accept and examine applications as they are sent in, instead of waiting to judge all applications concurrently. Schools with rolling admissions can be great for late admissions, or for finding out early whether or not you are accepted, so you can change your plan accordingly.

What’s next?

After the applications are submitted, you wait. Your student waits for the colleges to respond with offers of admission or no offer of admission. Waiting can be stressful. But the benefit of finishing early allows your and your student the freedom to relax, knowing that everything related to the application is complete.

admissions, college planning, college prep

Prepping for the College Application

college application

The Common App is now available for juniors to sign up and start preparing for the fall college application season. With more and more students applying Early Decision or Early Action, juniors are already making their college lists and getting ready to apply during their first semester of senior year.

Which colleges belong on your list

A good college list should have three “fit” criteria: financial fit, academic fit, and emotional fit. Once your student has a tentative list, ask if they have all three criteria before finalizing the list.

Continue reading Prepping for the College Application →
college guidance, college planning, college prep, parenting

A Summer College To-Do List for Parents of Seniors

collegeSummer is in full swing and families are enjoying the vacation time. But if you student is a college-bound senior, there are some to-dos you should think about over the summer and add them to your family fun time. The new school year will be here before you know it and senior year is a busy time for high school students. Everything you can accomplish over the summer will mean one less activity for senior year.

Discuss college finances

Your college-bound senior needs to know what you are prepared to contribute financially to their college education. This discussion will help with college choices and make it easier in the spring when you review financial aid packages. You should also discuss what you expect them to contribute to their education. Research shows that when a student is invested financially in their degree they tend to focus more on their academics.

Discuss high school academics

Every high school student is tempted to “skate” through their senior year, especially after the college applications are completed and even after they receive their college acceptance letters. Senior year is the worst time to abandon academic excellence. Colleges will be checking transcripts mid-year and after graduation. If they see that the student did not focus during senior year, colleges have been known to recant their offer of admission.

Talk about college career services

This may be the last thing your college-bound senior will be thinking about. However, it’s an important factor in the college decision process. Discuss each college’s career services with your college-bound senior. Does the college offer internships? Do they have a career center to assist you with your job search (during and upon graduation). Do the alumni actively participate in networking with the students? The answers to these questions should affect the final college choices.

Encourage your student to start working on the essay

When school starts, a senior’s schedule is usually filled up to the minute. Working on the essay in the summer will alleviate stress in the fall and allow them to focus on other important activities. You can’t write the essay, but you can help them brainstorm or be a proofreader. The Common App essay topics list should help start the process.

Help with the scholarship search

It goes without saying that your student needs to spearhead the search for scholarships. But you can help with reminders of deadlines, organizing the applications, and proofreading their final submissions.

Revisit colleges

Odds are your student has already begun to narrow down the college choices. If you’ve visited colleges previously during their junior year, the summer is a good time to make an informal visit of the campuses. Take a look around, get familiar with the services offered and talk to a few students. If the admissions and financial aid offices are open, schedule an appointment and get a jump on the busy fall onslaught of students.

Take a look at the Common App online

While most students won’t complete The Common Application until senior year, it’s a good idea to take a look around and get familiar with the components. The new Common App rollover feature allows students to use the information from one year to the next and, in theory, allows you to begin to work on the Common App as early as freshman year.

Help your student nail down the recommendation list

Make the recommendation letter list before school starts. Once your student sets foot on campus they should hightail it to the teachers and staff who they feel will write the best recommendation letters. These school officials will be bombarded with requests as application deadlines roll around. Asking early will give them more time to write a thoughtful letter without feeling rushed.

Consider hiring a tutor

Even if your student is excelling in studies, you might want to consider hiring a tutor. If they are struggling in a math or science class, tutors offer one-on-one help in a less threatening environment. Tutors can also help improve standardized test scores. They can give your student a head start in their upcoming classes and reinforce what they have learned in the past.

As your summer winds down and school begins in the fall, crossing some of these important to-dos off your massive list of college-related tasks will help you and your student reduce the stress of the college application process.

admissions, college apps, college guidance, college planning, college prep

Surviving the College Application

college applicationYou might not think the college application requires survival skills, but it does. It’s stressful and it’s no surprise the middle name of college-bound teens is “stress”. According to a recent survey, 76 percent of college-bound students say they are stressed. If you live with one, you’re stressed too; and not just you, but your family as well. Granted, there are plenty of reasons to be stressed. And plenty of reasons why it’s impossible to avoid feeling stress (try as you might). Surviving the college application requires tenacity on the parent’s part as well.

Following are 6 stressful college application tasks and how to survive them:

The Grades

Grades mean everything. Your student’s GPA is one of the most important components of the college application (if not THE most important). It’s understandable that your child will stress over receiving B’s instead of A’s on their papers. They know that the college they want to attend looks at grades, classes, and GPA’s carefully before making an offer of admission.

What can you do? Create a positive study environment and don’t add to the pressure. If you see them struggling, get help. Let them know that all you expect from them is they do their best, nothing more.

The College Visits

Any parent who has been on a college visit with their teen will attest to the emotional roller coaster that often ensues. Your child may balk at the thought of getting out of the car, cringe at the fact that his/her parents are there along with them, and freak knowing they have an interview scheduled.

What can you do? Take a chill pill before you head out and remember your child is most likely terrified. This is a huge step for them and emotions are going to play a big part in the visits, even though you might see it as a critical step in the plan. Give them the freedom to express those emotions.

The Standardized Tests

Testing in itself is stressful. But standardized tests are incredibly stressful. It’s a timed test that affects the outcome of offers of admission. Scores are compared with other students and some consider them to be bragging material. They feel a low score means less options for college; a high score opens more doors.

What can you do? Under no circumstances should you nag your student about studying. Help them study. Encourage them to study. Provide tutoring. If the pressure is off, they will do better on the tests. Too much pressure (especially from parents) with students who are stressed already, will affect their ability to focus and relax on test day.

The College Choices

Making decisions is stressful without the added pressure of the impact of this one decision on your child’s future. They may act calm, cool and collected, but they feel the pressure to make the right college choices. The schools they choose will be evaluating them on their merit and overall success academically.

What can you do? Let them make their own choices. Guide but do not put your foot down and tell them they can only attend your alma mater or a college close to home. They need to make the choice themselves because they will be attending the college for the next four years. If they don’t like it, they won’t be happy and stay when struggles come.

The Money

Money concerns always produce mounds of stress. With the economy in disarray, that stress is compounded when families are trying to pay for college. When deciding on college choices, money should always be a factor. If your student knows what you can afford to contribute and what is expected of them, the stress will be minimal. Keep them in the dark and there could be added stress and disappointment when they apply to a school that is not financially doable.

According to The Princeton Review’s 2013 “College Hopes & Worries Survey”—an annual poll of college applicants and parents of applicants—stress levels are up while cost remains a driving factor in college selection. In fact, 79 percent said the state of the economy has affected their decisions about college—up 4 percent from 2012.

What can you do? Make time to talk about money with your child. Hoping your student will get a full ride scholarship is not realistic. You need to plan for the worst (little or no aid) and hope for the best (multiple scholarships and merit aid). If the college choices fall into your family’s ability to pay, when the financial aid award arrives it will be a much more pleasant experience. Especially if lack of money to pay does not affect the final decision.

The Waiting

This is probably the most stressful time in your child’s life, which means it is stressful for the parents as well. One student put it simply:

Because as decision day draws closer, and the (rather strong) possibility of rejection becomes more and more pronounced, I can’t help but think that my process, that my life, is entirely out of my hands. I know it’s irrational — I know that I’m still the one who will make the ultimate decision, that I’m the one who will decide what my future holds. But that’s my point — I’m not rational anymore. I’m just afraid.

What can you do? Celebrate the accomplishment of applying and provide distractions during the months of waiting. Reiterate that you will be proud of them and no matter what the outcome it’s not the end of the world. Rejection is tough on these teens, but strong parent support can help them see that there are always options available and sometimes disappointments turn into blessings.

The ultimate goal is to have a stress free household and to avoid freaking out, thus surviving the application process unscathed. This might be impossible, but keeping the “freaking” to a minimum will help your student reduce their stress. Stay calm and breathe. It will all be over soon.

college planning, college prep, parenting

My 10 Tips for Soon-to-Be College Parents

 

college parentsDuring our student’s senior year of high school we live in a bubble. All sights are set on one goal—getting into college. Students and parents focus on college selection, college applications, financial aid forms, and then we wait. We wait for the offers of admission to come pouring in and then we compare financial aid packages and help them pack their bags for college.

But wait. Is it really that simple? Hardly. Most parents would say it’s anything but simple; it takes work, commitment and perseverance on both parts—parents and students.

Now that your student has graduated, the reality of the truth hits you—your son or daughter is leaving for college. Are they ready? How will they ever survive on their own? How will you survive and cope with the void that’s there when they are gone? Will they be safe? So many questions and concerns are rolling around in your head.

From one parent to another, survival depends on knowing what to expect, what to look for, and how to respond to your student. Here are 10 tips that should help you be effective college parents:

1. Give yourself time to grieve (then move on)

It probably seems like yesterday that you were bringing your baby boy or girl home from the hospital and now they are preparing to go away for college. Although you always knew that this day would come and you are so proud of their accomplishments thus far, if you are really honest with yourself, there is a part of you that is also dreading it.

For this reason, there’s a pretty good chance that you will experience some separation anxiety, not unlike grief, when your child leaves the nest–often called “empty nest” syndrome. It’s normal for most parents and so while it’s nothing to panic over (or feel embarrassed about), you should give yourself some time to grieve and then move on with your life.

2. Don’t give in to fear

Boy how things have changed since we went to school in the 70’s and 80’s. They’ve even changed since my kids went in the 90’s and 2000’s. It’s a scary world out there and you would be crazy not to be anxious when your kids leave your care every day. But don’t let them see it; they need to feel safe and secure at school. Even though we know they are at risk, we have to trust that the teachers, staff, and administration will do their utmost to assure their safety.

3. Stay in touch (in moderation)

Before your son or daughter leaves for college make plans to stay in touch. Schedule time to communicate and discuss how often you need to hear from them. Don’t by like one father who tapped into campus security cameras so he could follow his daughter’s every move. Give them some freedom to socialize, study and explore their surroundings. A text every day, a phone call every week, and face time once a month should be enough to help both of you feel connected.

4. Practice tough love

Don’t rescue them from every difficult situation. You know the term–helicopter parenting. It’s important for them to make messes, get hurt, feel disappointment, and fail at tasks.This helps them develop life skills, achieve happiness, and be successful–the things we so desperately want to give them. Isn’t that what tough love is all about? Love your children so much you set rules, provide clear expectations, and allow them to fail so they can learn.

5. Watch the money 

Money will burn a hole in your kid’s pocket. Before they leave for college have a clear understanding of what you plan to contribute toward living expenses and what you expect him to contribute. Explain the difference between wants and needs. Today’s kids are accustomed to instant gratification; but saving for something teaches them that just because they want something, it doesn’t mean they need it. When they are away at college, this will be the first question they ask themselves before pulling out an easily obtained credit card.

6. Your child is now considered an adult

You may still feel your child is still dependent on you, but the law does not. The Family Educational Rights and Privacy Act means that your student will have control over his own academic record, control disclosure of who can access those records, and monitor it for errors if detected. The tuition bill comes to the student online as well as any other student expenses. Ignoring these bills can be not only costly, but affect their status as students.

7. Discuss grade expectations

Enter into an agreement with your student before they leave for school. If they want to have fun and waste time while they’re on campus, focusing on socializing rather than studying, make it clear that they can pay their own way. But if they’re willing to work hard for a degree and maintain a certain GPA, you should definitely do what you can to help them. Now, this is not to say that you shouldn’t give them a little leeway. One bad grade doesn’t necessarily mean they’re slacking – it could just be a particularly hard teacher or class. Tell them you expect to be kept abreast of their grades. Many a parent is shocked when their freshman comes home at winter break and announces they are on academic probation.

8. Beware of the transfer

If you have a high school student thinking about college, be prepared to hear these words after their first few weeks, “I don’t like it here. I want to transfer colleges”. As your heart sinks and a hundred things go through your head, remember that I told you it would happen; and if you read a recent article I wrote, it might help you handle those words without your heart and brain exploding into a million pieces.

In most cases, you should stand your ground—at least until the end of the first year. Tell your student that if he/she still feels the same way at the end of the year you can revisit the option. It’s my experience that most students, later in life, thank their parents for giving them some tough love and not allowing them to transfer.

9. Learn how to listen (and not lecture)

It goes without saying that every parent will receive a homesick phone call at some point during the first semester of college. You must learn to listen and avoid the desire to “fix” things. Most of the time they just need to vent and once they talk things out and hear your voice, they feel better. Resist the urge to drive to college and rescue them—just listen and offer compassion.

10. Acceptance doesn’t necessarily mean graduation

Did you know that graduation rates differ wildly from school to school? About 400,000 students drop out of college each year. Students who start college but don’t finish are typically no better off than those who never even started, and in some cases might be worse off, if they took on debt. Help your student stay focused on the goal by providing words of encouragement and some of that tough love I mentioned earlier.

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college prep

Use the Summer to Prepare for College

summer

Summer is here and it’s a good time for parents of college-bound students to make the most of the free time. Your student will certainly be busy, especially if this is the summer before senior year.

But there are a few things you should make sure to complete during the summer that will help your student progress along the college admissions path. It’s never too early to start preparing your student for college.

Start preparing your student for independence.

Use the summer to teach some basic life skills. It’s never too early to start preparing for independence. College is the first step toward adult independence. Students will have to make their own decisions, be responsible for their own actions and deal with the consequences of their choices. Some basic life skills can make the transition to adulthood easier.

  • Laundry: If your student isn’t doing the own laundry, the summer is a good time to start. You would be surprised how many college students don’t have a clue on how to do their own laundry.

  • Budget basics: Handling money is a life skill that every college student needs to know. Open a student checking account for summer job paychecks and teach how to handle it. Students can monitor the balance on an app and learn to save and budget for any spending.

  • Public transportation: Many colleges don’t allow freshmen to have a car on campus so it’s imperative to be able to navigate public buses, subways, trains or ride-share services.

  • Basic cooking skills: Fast food can be expensive and it’s easy to save money on food while in college with some basic skills. Even many dorms have kitchens.

Once you’ve started preparing your student for independence, you can move on to some other important projects. Read about them here in an article I wrote for TeenLife Magazine: How to Use the Summer to Prepare for College.

college planning, college prep

How One Student Hacked the College System

A short time ago I was contacted by a college student who has written an ebook about hacking the college system. How did he do it? He took advantage of AP and CLEP testing. He did an entire year’s worth of college in just a few months! Sound crazy? It’s not. It’s a path to getting a college degree without going into thousands of dollars of student debt. His ebook is an easy to read, step by step method on how he did it.

If you’re struggling to find a way to pay for college and your student is motivated, check out this method. Imagine saving thousands of dollars by just taking some tests and never having to attend a class or set foot on a campus. Would you pay $700 or thousands more for a semester of college. I know which I would choose!

Here’s his story:

My name is Grayson. I’m a college student and author. As both college tuition and student debt continue to rise, I had to get creative to get my degree without going into debt. This is my story of saving TENS of THOUSANDS on my degree. No scholarships, no loans, no click-bait.

Student debt is now over 1.4 Trillion in the U.S. The average time spent paying back these loans is 21 years. That’s just for a bachelor’s degree! Imagine what you could do with zero debt. Take more family vacations? Start a business? I believe there is always a different way to go about things, including paying for college. This belief is what challenged me as I approached going to college: Should I follow the crowd into a life of debt or challenge the academic status quo?

I chose the challenge. By teaching myself how to test out of classes, I was able to save absurd amounts of time and money in comparison to a typical college student. Without the restraint of classes, I had opportunities to travel and work while earning real college credits. I studied history while in Tokyo, computer technologies while working in Montana, and art in Las Vegas.

Now I want to share with you how to do the same thing. I want you to crush college debt by fighting the status quo and have opportunities you didn’t think possible while in school. To learn exactly how I was able to do all this while getting college credits, check out my website, www.knockoutcollege.com for my videos and blogs. You can find the official book there as well!

Now that you have read his story, watch this video;

admissions, college guidance, college planning, college prep

A College To-Do List for Your High School Junior

 

high school junior

The fall semester is coming to a close. By now, your high school junior should be concentrating on college choice, preparing for the SAT or ACT, and working on the college essay. I’m sure it’s already starting to become a little overwhelming: so many tasks, so little time. But the winter break is a great time to play a little catchup if you’re lagging behind.

Juniors who aspire to college have much on their mind. Making a college list can seem insurmountable. There are so many choices; how do you know which ones are a good fit? If money is a factor, how do you even know what kind of financial aid you can expect to receive if you apply? What are the colleges looking for in an applicant and do you even meet those qualifications? The list of unknowns can cause a good amount of stress for both parents and students.

Take a few minutes to go over this simple to-do list with your high school junior. Discuss what you can help him with and what he should be focusing on over the break. Breaking these down into small tasks should help, doing the ones that need to be completed first and following with the rest.

Are you tackling these items yet?

  1. Thinking about basic college criteria.
  2. Figuring out how to organize everything.
  3. Setting aside time to visit the colleges.
  4. Figuring out a test strategy.
  5. Keeping focused on academics.
  6. Working on the college essay.
  7. Getting serious about scholarships.
  8. Scheduling regular checkups to evaluate progress.

 

For the details on how to complete these tasks, you can read the original article at TeenLife Magazine: Share This College To-Do List With Your High School Junior.

admissions, college guidance, college planning, college prep

Looking Past the College Names and the Rankings

 

rankings

When I talk to parents and listen to their stories about college prep, it’s hard not to be concerned. I’m concerned because it seems that college choice has become a competition–a competition among parents and a competition among students. It’s all about the prestige, the name, and the rankings and very little about the fit.

I recently participated in a discussion thread on the Grown and Flown Facebook page. A mother was concerned that her daughter was only considering applying to the Ivies. I tried to insert my advice on the matter and was attacked by so many parents whose students were either applying to these colleges or attending them. I was simply trying to point out that these colleges aren’t the “be all and end all” of colleges and there are so many other options out there to consider. Shame on me for disparaging these top-ranked universities.

Seriously though, it surprises me how many parents feel that their student can’t be happy at an unknown college or university. It astounds me how many parents will allow their student to attend one of these colleges and either go into debt themselves or allow their student to accumulate mounds of debt; because, news flash—these colleges only provide need-based aid to the poorest of families and merit aid to the best of the applicant pool. Your student may be accepted but offered no financial assistance.

How do you steer your student away from the these colleges?

If your student is a top candidate for an Ivy league college and you are willing to pay for it, then by all means, she should apply. But if you’re worried about finances or know that your student is applying for all the wrong reasons, it’s time to steer them away from these colleges.

The best way to do this is to draw the focus away from the Ivies and toward other colleges that offer the same benefits at a greater return for your investment. Encourage your student to visit colleges, talk to alumni, connect online with students from other colleges and start a conversation.

How do you find those “diamonds in the rough” colleges?

You can start by looking at the College That Change Lives website. Then move toward College Navigator and fill in some criteria that fits your student’s interests: location, size, major, merit awards, etc.. Look at the stats, financial aid awards, and student debt. After you have a list, do some digging. What is your student interested in studying? Is there a student body better suited for her? If she is at the top of the applicant pool will she have a better chance of winning merit aid?

How do you change your (and your student’s) mindset?

Visit. Interact. Start a dialogue with other colleges. Once your student sees the virtual cornucopia of colleges out there, it will be easier for you to move her toward the colleges that are a better fit. Once she realizes that it’s not about the name, but about the fit, it will be easier to add those colleges that fit instead of choosing one simply based on name or ranking.

With over 4000 colleges and universities in this country, it will serve you and your student better if you look at some of the lesser known colleges and examine their benefits. As my daughter did, she found her perfect match when she moved beyond the college with the ranking to the college that was a better fit for her academically, socially, and financially.

college planning, college prep, parenting

College Prep Stress: Into the Pressure Cooker

 

college prep stress

I have a few friends whose sons are applying to college. The stress and the pressure students face regarding college is palpable. The question bears asking: How do you help your student navigate the process without adding your own college prep stress and pressure? Trust me; it’s not easy. Parents have their own kind of pressure related to college. Most of it revolves around the question: How will we pay for it?

So here is my best advice related to those two important questions.

How do you help your student navigate the process without adding your own stress and pressure?

You must in every circumstance remain calm. This is only one of many choices your soon-to-be adult will make in his life. This is the time when you transition from being a hands-on parent to being a supportive parent. I know that’s easier said than done. It’s hard after making all their decisions for 18 years to step back and let them chart their own course. But this act, in itself, will help alleviate stress for both you and your student.

Once you take a step back, the logical course for you is to become an encourager and coach. You can offer advice, help in the decision-making process and keep track of filing dates and deadlines, make travel plans for college visits and provide tutoring support if needed. This frees your student up for the important tasks: test prep, choosing the colleges, and filing out the applications. Your student knows what is expected of him and you know how you can help. Less stress for both parent and student.

How do you remove the money worries and stress around paying for college?

I can’t tell you how many emails I have received from parents whose students applied and were accepted to a college the parents can’t afford to pay for. The excitement of acceptance is overshadowed by the reality that the student won’t be able to attend due to lack of funds.

The only way to avoid this inevitable disappointment is to do your homework. Before your student applies, do some research about the college. How much does the college cost? What do students typically pay (this is usually not the sticker price)? Does it have a high acceptance rate? What type of aid does it award to students? Do they typically award a large percentage of their incoming freshman substantial financial aid? Is your student at the top of the applicant pool therefore increasing his chances of receiving merit aid? And finally, estimate your EFC (Expected Family Contribution).

After the research is done, how much can you afford to pay? If the college doesn’t award aid, can you pay the difference between the cost of the college and your EFC? Is your student willing to put in the effort to apply and win scholarships to help with the cost?

Once you have all the information, your student should only apply to colleges that are within your ability to pay with a reasonable expectation of merit aid if needed. It doesn’t make sense for him to apply to a $50,000 a year college if you don’t have the means or the ability to pay. Parents often feel pressured into letting their student attend and take out massive student and parent loans to foot the cost. This is not a wise decision and can cause added stress and pressure that is unnecessary.

There are also other ways you can avoid the stress of college prep. Read my article for TeenLife Magazine, Helping Your Teen De-Stress About College Prep, for some additional information.