Research Options:

There are numerous scholarships available from various sources such as universities, private organizations, corporations, and government bodies. Researching these options over time gives students a broader perspective on what is available and what they might qualify for. Remember to look at bigger options and smaller, more localized scholarships. They’re often overlooked and less competitive. Even smaller awards can help cover books, fees, or other random college costs! 

Not sure where to look? Talk to friends from the class of 2025: Think about your friends who just graduated from high school. Did any of them get really great scholarships that were not provided by the college? Talk to them now and find out how they did it! There are lots of scholarships, but it takes time to find those that are the best fit for your unique abilities. 

Understand Requirements:

Scholarships often have specific requirements regarding academic achievement, extracurricular involvement, community service, and more. Starting early allows students to align their activities and achievements with these criteria as they go back to school in the fall. Buffering up your application with meaningful activities can be helpful for both admissions and scholarship opportunities. 

If your resume doesn’t look that impressive, you don’t have to wait until the fall to fix it. Try to do something different this summer that you can use on your application. Help out in your community, do something related to your field of interest, or get involved with a club. It might even turn out to be fun and meaningful!

Prepare Strong Applications:

Scholarship applications often require essays, letters of recommendation, and other supporting documents. By starting early, you can make good decisions about who you’ll be asking to write for you, and prepare a strong application. Even if the next year’s applications aren’t released yet, you can check out the past application for an idea of what you might need to have on hand – and add the date to your calendar to circle back! 

The scholarship search doesn’t have to be overwhelming, and summer is the perfect time to get a head start. By dedicating even an hour or two each week to researching and organizing opportunities, you’ll be ahead of the curve when application season ramps up. Remember, scholarships aren’t just for straight-A students or athletes—there’s something out there for nearly everyone. You’ve got this!

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

FAFSA (Free Application for Federal Student Aid) 

The FAFSA is a form that students and their families fill out to determine their eligibility for financial aid, including federal grants, work-study programs, and loans. It is essential to fill out the FAFSA as early as possible to maximize your financial aid options! This typically opens in October and the process has gotten slightly easier in the past years. 

Cost of Attendance (COA):

This is the total estimated cost to attend a specific college, including tuition, fees, room, board, and other expenses. Knowing the COA helps you understand how much financial aid you may need. Remember, when you begin comparing schools, be sure to look at all of these components to make accurate comparisons. 

Subsidized vs. Unsubsidized Loans: 

A subsidized loan is a federal loan where the government pays the interest while you’re in school. An unsubsidized loan accrues interest from the moment it’s disbursed, meaning you’ll owe more after graduation. Read a more detailed blog on the differences here! 

Grants  

Grants are a type of financial aid that are not repaid. They are based on financial need. The most common federal grant is the Pell Grant, which is available to undergraduate students who demonstrate significant financial need. 

Scholarships

Scholarships are funds awarded to students based on various criteria, including academic achievement, extracurricular involvement, or specific talents. Like grants, scholarships do not get repaid so prioritize these when you can. Scholarships come from colleges, private organizations, or community groups. Don’t forget, check for these frequently! Even after college begins, you can use scholarships to help keep your costs low! 

Work-Study Programs: 

Work-study is a federal program that provides part-time jobs for students with financial need. The program allows them to earn money to help pay for their education expenses. These jobs are typically on-campus, but some may be with local nonprofits or community organizations.

Merit Aid: 

This is usually some type of grant or scholarship provided by the college based on a student’s abilities in academics, athletics, arts, or some other area.

Student Aid Index

The Student Aid Index replaced the Expected Family Contribution from prior years, which was the amount a family would have to pay out-of-pocket for college expenses. Now, the SAI will help colleges and universities determine how much funding a student can receive. You can read about how the SAI might impact your family here!

Understanding financial aid terminology isn’t just about passing a vocabulary tes. It’s about empowering yourself to make smarter choices about college costs. The more you know, the better equipped you’ll be to compare offers, apply for the right aid, and avoid costly mistakes. 

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

1. Financial Planning and Budgeting:

Discuss the financial aspects of college, including tuition, fees, room and board, and personal expenses. Help your student understand the cost of attendance and the resources available for covering these expenses, such as scholarships, loans, and savings. Teach them basic budgeting skills and encourage responsible spending habits.

You should discuss now how much money you will be able to supply for your student’s living expenses. Keep in mind that you still have to run your own household while they’re in school. You don’t want to rely on credit cards to cover ongoing expenses, so be honest and upfront. This may help your student decide on having a job or not while they’re in college. 

2. Setting Expectations for Student Contributions

Have open discussions with your student about what they’re expected to contribute during their school years. This ties directly into topic #1 – budgeting! It’s also important to discuss the plans for who will repay any student loans that are taken during the college years. I recommend having this conversation now – and not waiting until after graduation. 

Look at the total amount you are planning to borrow to pay for this college, and then look at student loan calculators to see what future repayment costs might be. If you expect your student to make these payments, say so now, and discuss what impact that will have on their future budgetary capabilities. 

3. How to Pay: Financial Aid, Scholarships, and Savings

College isn’t cheap. Make sure that you’re balancing financial aid options (grants, loans, work-study), merit scholarships, and 529 plans. Review upcoming deadlines for financial aid, even once school begins. It is important to complete the paperwork each year so help keep it on their radar. Remind your student that college payment will be a combination of many components so that they are aware of what is really going into this expense. 

4. Planning for the Unexpected

No one wants to think about what happens if things go wrong. But, it will be important to discuss the unexpected with your student. Talk about financial contingencies: what happens if aid changes or family finances shift? While no one should be too worried about the “what if’s in life, it is important to know that these changes could impact your student’s financial standing at school. Alternative options, like gap years, transfers, and community colleges are very real possibilities for those what-if situations. 

5. Work & Internship Opportunities:

Start conversations about post-college plans early on, including career goals and aspirations. Encourage your student to explore internship opportunities, networking events, and career development resources available through the college. Sometimes these experiences are paid, but oftentimes they are not. Discuss the importance of gaining practical experience and building a professional network while in school – even if it does not pad the wallet.

Some students might have to apply for the federal work-study program, or find a job on their own. While many students can juggle work hours and class time, some students have difficulty achieving a workable balance. They might also need to work during the summer and various breaks, while their peers are enjoying great vacations.

6. Bonus Tip: What to do with Graduation Gifts

Graduation gifts are a thoughtful way for friends and family to celebrate your academic achievements, but they can also offer a valuable opportunity to boost your student’s financial health as you head into your next chapter. Whether you’ve received cash, checks, or gift cards, it’s important to have a plan for how to use these funds wisely. Consider building or replenishing your emergency fund. You can also have your student consider using the funds to put towards expenses like books or housing. 

Before the first tuition payment is due, take the time to have meaningful conversations with your student about the various aspects of college life. By providing guidance, support, and encouragement, you can help your student navigate the transition to college with confidence and resilience. Congratulations on this exciting transition!! 

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Here are some key steps you can take this summer to set your child up for success:

Start the Financial Aid Conversation Early

It’s never too soon to begin talking about how your family plans to pay for college. Have a candid discussion about your family’s financial situation. Talk about what’s realistic, what can be saved, and how you plan to contribute. Understanding these factors early will help your child make more informed decisions about financial aid. Additionally, familiarizing yourself with the FAFSA (Free Application for Federal Student Aid) now can help ensure a smooth application process later on.

Research Scholarships

Many scholarships are available to students as early as 9th or 10th grade, so starting the search now can give your child an advantage. Encourage your child to keep a running list of scholarship opportunities—tracking deadlines, requirements, and eligibility—so they’re ready when it’s time to apply.

Get Organized

The summer is a great time to get organized. Help your child set up a system to track what would be a part of applications. This includes their achievements, extracurricular activities, volunteer work, and any part-time jobs or internships. Having this information ready when it’s time to apply for scholarships or college admissions will make the process much smoother. Consider creating a digital folder or spreadsheet to keep everything in one place.

Visit Colleges 

If possible, visit some college campuses this summer. Walking around campuses and getting a feel for different environments can be an eye-opening experience. Many schools also offer virtual tours or information sessions, which can be a great way to get a feel for a school without leaving home. This is also a good time to research specific financial aid opportunities at each school. Some institutions offer merit-based scholarships or need-based aid that can significantly impact your child’s college affordability.

While summer might feel like a break, it’s also an important time to lay the groundwork for your child’s future college journey. By starting early with financial aid prep and conversations, you can help reduce the pressure of the application process.

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Here’s how you can begin today:

Learn the Basics of Financial Aid

One of the most important tools in the financial aid process is the FAFSA (Free Application for Federal Student Aid).  This form determines your eligibility for federal aid such as grants, work-study, and student loans—and many states and colleges use it too.

While you won’t complete the FAFSA until your senior year, it’s helpful to visit the site and check it out right now. Understanding the documents you’ll need and how the process works will make the application much smoother when the time comes.

Focus on Your Schoolwork & Academics

Many scholarships—both need-based and merit-based—require a solid GPA, strong course load, and sometimes standardized test scores. The academic work you put in during your first years of high school can directly impact your eligibility for financial aid down the road. It’s also important to stay involved in extracurricular activities, community service, and leadership opportunities. These can strengthen both scholarship applications and college admissions.

Begin Exploring Scholarships Early

It’s a common myth that scholarships are only for seniors. In reality, there are many scholarships available to students in grades 9 through 11. Start by creating a list of scholarships that interest you, including deadlines and application requirements. 

Have a Financial Conversation with Your Family

It’s important to talk with your family about college costs early on. Understanding what your parents or guardians can contribute—and what your financial responsibilities might be—helps avoid confusion and disappointment later. This conversation doesn’t need to be overly detailed yet, but getting a general sense of your family’s financial expectations can help guide your planning and decision-making. Think about how much money might be contributed from your family or gifts. This will help you understand what you might be looking for in financial aid in the future.

Learn the differences between financial aid offerings

There’s so many different types of financial aid for college students. From loans to grants to work study programs, it’s important to learn and understand the differences. When it comes time to make your final decisions, you’ll want to know what each of the types mean – and what it could look like for repayment down the line. Scholarships don’t require payment back. Loans will – and private vs. federal loans have varying terms for repayment. Take time to review the various options available – read one of my blogs about the differences here!

Preparing for financial aid doesn’t mean you need to have everything figured out today—but every step you take now will help you feel more confident and ready when it’s time to apply for college. You have more control than you think—starting now can make a big difference later.

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Why Start Early?

College costs are rising, but so are the resources to help cover them—if you know where to look. From scholarships and grants to work-study and student loans, there’s a lot to understand. Starting early gives you time to research, stay organized, and meet deadlines without panic. Here’s a few things you and your family can do to start preparing for financial aid prep now! 

Get Familiar with the FAFSA

The Free Application for Federal Student Aid (FAFSA) is your key to federal aid—and many states and colleges use it too. Even if you’re not a senior yet, check it out. Knowing what’s required (like your parents’ tax info) will make it easier when the time comes.

Track Your Academics 

Some scholarships require a minimum GPA or specific test scores. Keeping your grades up and getting involved in extracurriculars now can pay off big later. 

Start a Scholarship Spreadsheet

There are scholarships for students in all grades—yes, even freshmen! Create a simple spreadsheet with deadlines, requirements, and links to applications. I recommend starting to look for scholarships now – and not stopping the entire time you’re in college! Read more tips about finding scholarships here!

Talk to Your Family

Have an open conversation about college costs. Do your parents plan to contribute? Will you need to work part-time? The earlier you align expectations, the better you can plan together. Another important question will be who is responsible for paying loans after graduation, too. 

Build a Budgeting Habit

It’s never too early to learn money skills. Start by tracking your spending and setting savings goals. Even saving a little each month can help with future college expenses like textbooks or travel. 

Financial aid doesn’t just happen—it takes planning. Whether you’re a freshman looking ahead or a junior getting serious, smart families don’t wait until senior year. The choices you make now can open doors to the school—and future—you want.

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

1. Confirm Your Enrollment (If You Haven’t Already)

Even if you’ve told everyone on social media, make it official. Most schools require a formal response—usually a signed intent to enroll and a deposit.. If the enrollment deposit is a financial burden, reach out to the admissions or financial aid office. Some colleges offer deposit waivers.

2. Set Up (and Check!) Your Student Portal and Email

This will become your new communications hub. Colleges will send important information about housing, orientation, tuition bills, and financial aid here—not to your personal email. Check your portal weekly. Mark deadlines on a calendar. Being proactive now can save you stress later.

3. Review and Accept Your Financial Aid Package

Take a close look at your financial aid award. It likely includes a mix of grants, scholarships, loans, and work-study. Decide what to accept and complete any follow-up steps that you can now, like signing a Master Promissory Note (MPN) for federal loans. You will also be expected to complete entrance exam counseling for first-time loan borrowers. Finally, don’t forget to accept or deny aid in your college portal!  

If you have questions—or if something doesn’t look right—your financial aid office is here for you. That’s what I’m here for too! 

4. Set Up a Plan to Pay the Balance

Even with financial aid, many students still have a remaining balance. Colleges usually offer payment plans that spread this out over the semester or year. Be sure that you know when tuition is due. Some schools may offer payment plans, so look into that if you need additional help breaking things up! Don’t forget to review your scholarships or extra savings you plan to use to pay. 

5. Complete Housing and Orientation Requirements

If you’re living on campus, watch for housing application deadlines. Orientation is also key—it’s your first real step into college life and often required before registering for classes. It’s important to stay on top of deadlines and sign up dates for everything leading up to move-in, so watch your portal announcements carefully. 

6. Submit Final Documents

Most schools will ask for final high school transcripts and possibly immunization records or placement test scores. These items can hold up your registration if not submitted on time. 

7. Get Excited! 

This is a season of preparation and transition. You don’t need to have all the answers today. Just keep showing up, asking questions, and checking off the steps.

And remember: You’re not alone. Your college’s staff, your financial advisor (like me), orientation leaders, professors, and support offices—are all cheering you on. Saying “yes” to college opens the door to something new and exciting.. Your next chapter is just beginning, and it’s going to be a good one.

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

Understand What You’re Saying “Yes” To

Committing to a school means you’re ready to invest your time, energy, and money there. You’re not just choosing a campus — you’re choosing a community, a support system, and a place to grow, learn, and live for the next four years. 

Before you commit, make sure you’ve looked at:

• Your financial aid package (What’s a grant vs a loan? Which aid is renewable?).
• The total cost of attendance, not just tuition.
• What you’ll get academically, socially, and emotionally from the school.

Make sure all components feel  like the right fit.

Compare Your Financial Aid Offers

Not all aid packages are created equal. Some schools might offer you more money up front but have higher living costs or fewer scholarships that renew after your first year.Make a quick spreadsheet or use one of those online comparison tools. If you’re confused about what’s what, reach out to the school’s financial aid office or your high school counselor — or you can reach out and we can talk. 

Notify Other Schools

Once you commit to your top choice, take a moment to decline the other offers. It’s good manners, helps free up spots for other students, and avoids unnecessary emails and reminders. It’s the polite thing to do and most schools require a response either way. 

Transfers Can Happen 

Putting down a deposit doesn’t mean you can never change your mind. Life happens. Circumstances change. Transferring later is possible — but try to commit based on what you know about your school choices, finances, and how you feel now. That said, those deposits are usually non-refundable, so make sure you’re fairly confident before you click “submit.”

Celebrate! You’ve Earned This

Whether you’re headed to a state school, a liberal arts college, a community college, or something else entirely, take a second to breathe and pat yourself on the back. This journey has been a long one, and you made it through.

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

1. Review Your Offers Carefully

Take the time to compare all aspects of your acceptances: financial aid packages, academic programs, campus culture, and extracurricular opportunities. Make a pros and cons list to help you weigh your priorities and see which school fits best with your goals and values.

2. Consider the Financial Picture

The cost of attendance is often a big factor. Carefully review your financial aid packages, including scholarships, loans, and work-study opportunities. Don’t hesitate to talk with your parents or a financial advisor to understand the full picture and make sure the financials align with your budget.

3. Visit Again (If Possible)

If you can, revisit your top-choice schools. Another campus visit can offer fresh perspective and clarity, helping you determine if the campus culture and vibe feel right. If a visit isn’t possible, check out virtual tours or reach out to current students for their insights.

4. Think About Your Future

Consider how each school aligns with your long-term goals. Does one school offer stronger programs in your desired field of study? Does another offer unique opportunities like internships or study abroad? Think about how each college can help you grow academically and personally.

5. Trust Your Gut & Understand the Process

While practical factors matter, don’t forget to trust your instincts. Where do you feel like you’ll thrive the most? Which school feels like the best fit for you, both academically and socially? Once you’ve made your decision, follow the steps to officially commit—usually by submitting a deposit and completing any necessary paperwork. Keep track of deadlines for housing and course registration to stay on top of everything.

Remember: there’s no perfect choice. You’re deciding between great options, and wherever you go, you’ll have opportunities to grow and succeed. You can always adapt your path if needed. Whatever your choice, you’re on your way to an exciting journey ahead. Best of luck!

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.

What is Financial Aid?

Financial aid is money provided to help you pay for college. It can come from a variety of sources, including the federal government, state governments, colleges and universities, and private organizations. There are three main types of financial aid:

• Grants: These are usually need-based and don’t need to be paid back.
• Scholarships: Often awarded based on merit (like academic performance, sports, or talent) and do not need to be repaid.
• Loans: Money that must be repaid, typically with interest. These are often offered by the government or private lenders.
• Work-Study: A program that allows you to work part-time during college to earn money to help pay for your education.

When Should You Start Planning?

The earlier you start preparing, the better. As a junior, there are steps you can take now to set yourself up for financial aid success:

• Research Scholarships: Many scholarships are available to students in their junior year or earlier. Start looking for local scholarships, national programs, and merit-based awards that you may qualify for. Websites like Fastweb or Scholarship.com are great places to start.
• Understand Your Family’s Financial Situation: Financial aid eligibility is often based on your family’s income and assets. Take some time to understand how your family’s finances may impact your financial aid options. This can help you anticipate how much aid you may be eligible for when it’s time to apply.
• Keep Track of Important Deadlines: Financial aid deadlines vary by college, but the Free Application for Federal Student Aid (FAFSA) typically opens on October 1 each year. Starting early will help you stay on top of deadlines and avoid missing out on potential aid.

FAFSA – Your Key to Financial Aid

The Free Application for Federal Student Aid (FAFSA) is a form you’ll need to complete in order to be considered for most types of financial aid, including federal grants, loans, and work-study. You’ll fill out the FAFSA your senior year, but it’s a good idea to familiarize yourself with the process now.

Don’t Forget About Your College’s Financial Aid Office

Each college has its own financial aid office that can help you understand what aid is available at their school. Be sure to reach out to these offices for information on scholarships, grants, and the application process. They may also have tips on how to maximize your financial aid package.

Start Early and Stay Organized

Applying for financial aid can be a lengthy process, so staying organized is key. Keep track of your deadlines, required forms, and any documentation you need to submit. The more prepared you are, the smoother the process will be when you’re ready to apply.

As a high school junior, taking the time to research and prepare for financial aid will set you up for success when it’s time to apply for college.

Want more personalized help paying for college?

Now Enrolling: College Financial Aid Advising for the Class of 2026-2027!

I’m excited to announce that sign-ups are now open for the next class of college-bound students and returning students! If your family will be navigating the financial aid process for the 2026-2027 academic year, now is the time to secure your spot. Spaces are limited, so reach out today to reserve your place and ensure you have expert guidance every step of the way.

More about Jodi and College Financial Aid Advisors

Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.