Can I afford to send him to the school of his dreams?

It’s critical to have an open discussion with your student about the family financial picture that includes a clear explanation of what you are willing and

able to pay toward his education.

Often, our kids seem to believe in the proverbial money tree in the backyard. As adults, we know this is an unrealistic view. It’s also important to explain that parental assets have to go much further than the education of one child.

Take a holistic approach to financial planning. This means that your retirement is just as important as the college educations of your children. No one child, regardless of accomplishments, should take precedence over the future
well-being of either his parents or the other children in the family.

Once your student understands what your limits are, he can then begin to mentally plan for the possibility that he may not be able to attend his dream school, and approach the college planning process more realistically. He can
still apply to the dream college, but it does leave the door open to other, more financially viable options.

Affordable Fit

In my practice, I find that when families follow these suggestions, their students tend to be much more open to colleges that are both affordable and a good fit. It can also encourage students to be more proactive in looking for scholarship

money, or make them work a little bit harder to try to attain the grades that make a more prestigious college possible.

Being realistic can also take some of the pressure off the student to go trophy hunting, rather than finding colleges that provide a good match and fit for him.

What exactly are match and fit?

Match refers to your student’s numbers and how they compare to the middle 50 percent of accepted students at the college you’re considering. If your student’s unweighted GPA and test scores fall in that range, then the college is a potential match for your student.
A = 4.0, B = 3.0, C = 2.0, D = 1.0, F = 0

Subject                                              9th Grade 10th Grade 11th Grade
English                                               B = 3.0      A- = 3.7        B+ = 3.3
Math                                                   A = 4.0     C+ = 2.3        B- = 2.7
Science                                               A = 4.0     B+ = 3.3        A- = 3.7
Social Studies                                    B+ = 3.3   A- = 3.7          A = 4.0
Foreign Language                              C+ = 2.3    D = 1.0
TOTAL                                                      16.6         14.0            13.7

Add up the results and divide by the number of courses.

44.3 ÷ 14 = 3.16 GPA (unweighted).

 Most colleges will recalculate the high school GPA to a basic unweighted 4.0 scale based only on the core subjects. To do that, you pull out the grades for English, Math, Science, Social Studies and Foreign Language,

Looking at your student’s grades from the viewpoints of the admission office can guide you in your class choices. And be sure to avoid declining GPA’s – colleges look unfavorably at downward grade trends. It’s important that your student’s grades remain above a B in all subjects if at all possible.

Fit on the other hand, refers to the social and academic aspects of the college.
• Does he feel comfortable on campus?
• Are there students there with whom he can connect?
• Does the school offer the academic environment and extracurricular options that he is looking for?

Junior Year and the Dreaded College Search

Now is the time to start planning for your college career!

Junior year is known for beginning the college search and preparing for the search and application process.  It can all seem daunting, so here are some tips to help make your junior year more manageable:

Narrow down potential majors

Talk with your guidance counselor and schedule a time to take career tests and assessments.  These can be very useful in identifying your strengths, narrowing down your interests, and pointing you toward possible career paths.

Attend college fairs

College fairs are a valuable resource to gain additional information about a wide variety of colleges.  There will be admissions representatives present for each college, so it is a great way to ask questions and learn more.  For more information about college fairs, read my blog post College Fairs- Helpful Hints to Help Your Child Stand Out.

Create a list of colleges

Create a list of colleges that you are interested in; try to keep the list between 10-15 colleges.  When creating your list, don’t forget to consider important criteria such as: majors offered, location, public vs. private, financial aid options available, demographics of the campus, size, tuition costs, housing options, extracurricular activities, student-faculty ratio, etc.  

Visit colleges before applying

Schedule college visits before applying.  Even if you plan to go on a scheduled campus tour, plan your visit so you can also explore the surrounding community.  Don’t be afraid to ask questions; make a pro/con list of each school so that later you can accurately -recall details of each campus.  The college will be your home for four years, so you want to make sure you will feel comfortable there. 

Colleges monitor students’ interest in their school.  Not only will visiting the schools help you narrow down what you want in a college, but it will show the college that you are interested in them as more than a backup or safety school.

Get to know your teachers

Colleges require students to submit letters of recommendation along with their admissions application.  Get to know some of your favorite teachers.  They will be a valuable resource when it comes to asking for letters of recommendation.

Grades

If you have a low GPA it’s not too late to turn it around.  Colleges look at trends in your GPA, so if you have slacked off, you still have time to show colleges that you’re taking your education seriously.  If you do very well your junior and senior years, colleges will notice your efforts.  

Don’t forget about standardized tests

Deadlines for standardized tests are fast approaching! Make a timetable for SAT/ACT.

March 9^th is the deadline for the ACT http://www.actstudent.org/

April 6^th is the deadline for the SAT so begin thinking and studying for the SAT http://sat.collegeboard.org/home

Begin to prepare for AP exams.  Remember you can get college credit, so the time you spend studying for the exam could save you from taking a course in college.  Put forth the effort now and it will pay off in the future.

There are many study guides available to help you prepare for all standardized tests.

Begin thinking about senior year course selection

Consider taking upper level courses such as Honors, AP, and community college courses.  AP courses and classes at your local community college are great ways to earn college credits.  It shows colleges your intellectual curiosity and dedication to hard work.

Plan for summer

Start planning now so you can make effective use of your summer.  Begin to think of possible jobs or internships and schedule additional college visits.

Here are some additional resources for high school juniors.

The College Board’s action plan for juniors: http://www.collegeboard.com/student/plan/action/juniors.html