Parents of Juniors: The College Planning Reality Check

FINANCIAL FIT (a.k.a. Don’t Wreck Your Retirement)
☐ Have an honest family conversation about maximum annual college spend
☐ Run the college website Net Price Calculator for at least 5–8 schools
☐ Complete FAFSA prep (FSA IDs created for student + 1 parent)
☐ Separate dream schools from financially realistic schools
☐ Often sticker price ≠ net price
COLLEGE LIST STRATEGY
☐ Confirm your student’s GPA/test scores in context of each school
☐ Build a balanced list: likely / target / reach / wildcard (no more than 10)
☐ Check which schools are test-optional vs test-preferred vs test-required
☐ Remove any school that makes zero financial sense (yes, even that one)
CAMPUS VISITS (WORK SMART, NOT CUTE)
☐ Schedule official tours and ask about sitting in on a class
☐ Preview virtual tours before visiting
☐ Meet the regional admissions rep
☐ Visit or email the Financial Aid Office - Ask: “Based on our profile, what’s a realistic net cost?”
TESTING (STRATEGY OVER PANIC)
☐ Decide SAT/ACT plan early (spring = ideal)
☐ Compare scores to each school’s middle 50%
☐ Submit scores only if they strengthen the application
☐ Support stress management - not score obsession
TIMELINE & MOMENTUM
☐ Summer after junior year = essay drafting season (Godspeed)
☐ Create a senior-year application calendar
☐ Track deadlines: EA / ED / RD / Scholarships
☐ Keep senior-year grades strong (yes, colleges still care)
PARENT REMINDERS (READ THIS TWICE)
☐ This is your student’s journey - guide, don’t micromanage
☐ Comparison is poison (especially with other parents). THIS.
☐ Prestige does not equal happiness, success, or ROI
☐ A financially sane college choice is a win










