As a parent, college visits can seem like the most complex undertaking in your child’s high school experience to date. What schools should you visit? What questions should you ask? What do you make of all those dollar signs on the financial aid guide? (Oh yeah, that’s a biggie.)
College visits vary so much, and that’s the cool thing about each. You can get a real sense of what a particular college or university “feels like,” which is pretty intangible. Even so, it can make or break the college tour experience.
We’ll shed light on all this while focusing on effective planning, what to do on campus tours, the questions to ask, what school to tour next — everything. We’re going to go beyond the standard advice so you get the most comprehensive practical tips ever.
I spent 12 years working in college admission, and I can tell you the most important reason to visit colleges: It gives you and your child (both of you — that’s important!) a chance to understand the campus culture. Getting physically on campus allows you to immerse yourself in the community so you can:
Learn about student life.
“Feel” the atmosphere.
Gain authentic insights into the community.
Imagine visiting a college on a Friday and watching everyone pack up to go home for the weekend — that sure tells you a lot about a campus, huh? Or, what if you and your student notice a palpable energy on campus preceding the weekend? That can tell you so much about student priorities.
Two totally different experiences can give you and your child an idea of what to expect, and the only way you can learn is to get your feet on campus. Even if you’ve gotten the glossy literature in the mail or noticed the gorgeous academic facilities online, it’s time to see if it all matches up.
You might be tempted to do virtual college tours and check that college off the list, but resist that impulse. There’s nothing like getting boots on campus to really understand what a campus looks like and feels like, which your child can’t get from gluing themselves to a computer screen.
Types of College Visits
Did you know that there are different types of college visits?
Personal campus visits: Whether you visit a liberal arts college or a community college, personal campus visits offer the most individualized visit opportunity. Your student will most likely get to do everything they want to do while on campus because when you schedule it, you tailor it to your students’ interests.
Group campus visits: Group campus visits, just like they sound, offer an opportunity for students to visit campus and be part of a group. While they don’t offer the personalization that a personal campus visit does, you might be able to score a few separate individual appointments at the end of the day.
Academic visit days: If your child knows they want to major in a particular academic area, you can attend an academic visit day, giving your child general knowledge about academics. You’ll likely get to do a group tour.
Athletic visit days: Some colleges offer athlete preview days, where athletes converge on campus and visit with other prospective athletes and coaches.
Individual interest visit days: Music visit days, theater visit days, etc. — the list goes on. Colleges try to offer showcases of different programs to attract students to visit.
What Happens During College Visits?
Before you even set foot on campuses, you must schedule college visits — learn how to get an official visit to a college. I’ve detailed exactly how to do that in the linked post. There are two main ways to schedule visits — by calling the admission office or visiting the college online and clicking “schedule a visit” under the admission tab. There’s more to think about than simply filling out a form, so check out the post on how to plan college visits.
Once you schedule your college visit, the next logical steps include getting there, parking on campus, finding the admission office, and then getting your visit underway.
First, you have to get to campus. Make your travel arrangements in advance so you can be sure everything aligns. Check with area hotels about discounts for students visiting — some will offer those. Getting to colleges might be as simple as driving two hours from home, while others require a flight and rental car.
Sometimes, colleges will offer vouchers to reimburse travel. For example, as an admission employee, I was authorized to reimburse a portion of a visitor’s travel expenses, such as a plane ticket or gas receipts. You may also qualify for a free college visit if you’re a low-income household. Ask the admission office for more information.
Parking on Campus
Your scheduling information should contain information about parking on campus. Whether you receive information via snail mail, text or email (or all of these!), it should give you explicit instructions about where to park.
Colleges and universities notoriously have terrible, crowded parking, but the admission office should have spots ready for you. They might even put your name on a spot if they’re on their A-game! That was one of the most popular things our admission office did for families. Talk about rolling out the red carpet!
You should receive a map in your confirmation materials., which may come via email, snail mail, text message and more.
Once you find the admission office, you should see a reception area or desk. Have your student check in right away — they should be expecting you. They may ask if you want coffee or water and direct you to the restrooms. They may invite you to sit in the office to wait for your first appointment, especially if you arrive early. Check out the comfy couches and take a look around!
As the admission office is the college’s front door, this is a great time to start evaluating the college. Ask yourself:
Is the staff friendly and accommodating?
Did someone greet you right away?
If you had to wait, did other people greet you, stop, smile and sit down to chat?
Did you meet your child’s admission counselor right away? (Remember that they may be on the road and unable to meet with you.)
Did someone go over your child’s schedule with you immediately?
Sitting in the admission office can give you a sense of the place right off the bat — you’ve heard the expression that it’s hard to overcome a first impression and hold them to it.
Connecting with Admission Counselors or Representatives
Your child has an admission counselor at every single school. Here’s how it works: Admission offices divide the country into different areas, meaning that one counselor takes care of a territory. These professionals have “their” group of students that they usher through the admission process.
Ensure that you meet with an admission or admissions counselor at a college or university, even if you don’t meet with your child’s admissions counselor. Though we do so much online these days, it’s important to maintain face-to-face communication with your child’s admission counselor. It can even alleviate your child’s nervousness to see a familiar face, particularly if your child has already met this individual, such as at a college fair or high school.
Try to meet with an admission counselor individually during your visit. When you meet with admission counselors, you’ll learn about the application process, scholarship opportunities and information about your child’s chosen program. Getting to know this person can set you apart from other candidates — face it, an edge means everything in this competitive admission process!
A quick note on meeting with admission counselors: No question is dumb, and encourage your student to have questions in mind. Students often clam up because they don’t know what to ask. Admissions counselors don’t know everything, but they should find it out for you — that’s their job. They’re like shepherds, rounding up your questions and delivering results.
Folks, this is the shining, blazing star of the college visit experience. You get to walk around and see the campus with your own eyes. Watching students on campus tours is fun because you can see them light up when they see particular parts of the campus that speak to them.
How long are college tours? Campus tours usually last one hour from start to finish but can last up to 90 minutes. You can’t choose your tour guide, which is too bad because a bad tour guide can seal the fate of the college. Try to talk them through that beforehand because they might not click with the tour guide.
You may not start your visit with a campus tour — it depends on your schedule or the visit day schedule.
The campus visit coordinator will organize tours differently on different campuses but should hit these areas.
Student Lounge Areas
Checking out student lounge areas can give you a great idea of how students interact socially. Do they sit around, chatting and drinking coffee? How do they decompress after a long day of studying? Is it vibrant and inviting?
Hopefully, you’ll see:
Comfortable seating options to provide a relaxed and informal atmosphere for students
Tables and workspaces to study and collaborate on group projects
Technology and equipment, such as TVs, gaming consoles and other entertainment
Residence hall social spaces might contain board games, pool tables and other recreational activities.
Bulletin boards or information centers where students can find announcements, event details and other important information
Designated quiet zones or study corners for students who prefer a quieter atmosphere for focused studying or reading.
Finally, hopefully, these areas are easily accessible. Student lounge areas are usually centrally located on campus so students can stop between classes. Student lounge areas vary considerably from school to school, so they’re one possibly overlooked area to check out on college campuses.
Where do students eat? What’s the food like? Eating in the main dining area can give you and your student a good sense of how students utilize the cafeterias and, most importantly, how the food tastes. For some students, the cafeteria is one of the most important parts of the college experience — at least at first, on college visits. If the food isn’t good, don’t be surprised if your student writes off that college!
Cafeterias should be an open book, with diverse food options (particularly for specific dietary needs and healthy options), various meal plan options (which allow students to access the cafeteria for a certain number of meals per week), a range of food and specialty stations, social spaces, themed events, sustainability initiatives, late-night dining options and coffee shops or snack bars.
Finding a campus with the right residence hall, or dorm, is tricky. The options available often depend on the size and resources of the colleges you visit.
Traditional residence halls typically have multiple floors with rooms arranged in a hallway for communal living and communal bathrooms. You’ll often find common areas for socializing and studying. However, you can find residence halls peppered with dozens of different options.
Suite-style halls: Community-style rooms connected by a shared common area and bathroom.
Apartment-style halls: Individual apartments or suites with a kitchen, living area and private bathrooms, typically for upperclassmen.
Special-interest housing: Sometimes called themed housing, you might see special-interest housing favor honors students, language immersion living, or wellness communities. This might appeal to your student if they have specific interests.
First-year student halls: These cater to students to foster community and collaboration among students in their first year of college.
Family housing: If your student needs accommodations because they have a family of their own, family housing could be a good fit. Look into these units, which might consist of apartments or townhouses.
Other housing types might be available, even quiet or substance-free halls for students who prefer a more low-key living environment, or coed residence halls, which means that all genders coexist, likely with separate common areas. Your child can tap into so many different options — it’s amazing!
Your tour may or may not go through sports complexes, gyms and stadiums to emphasize the importance of physical fitness and recreational activities. If your child is an athlete, meeting with a coach may be an important part of their college visit, so you may not need an in-depth tour of this space, because the coach will take care of that.
A tour guide may walk you through offices for admissions, financial aid (to learn about the FAFSA) and other administrative services to help students understand the support available to them, including academic support services.
You likely won’t spend much time in these areas because hitting the most relevant day-to-day spaces is important: academic buildings, residence halls, common areas and cafeterias. However, some campuses have unique or historic buildings that symbolize the institution.
Tour guides should show you several academic buildings, such as classrooms, laboratories, research centers and specialized facilities, to highlight the institution’s commitment to developing successful graduates.
They may also show you buildings that house computer labs, innovation centers, or technology-focused facilities to showcase a campus’s technological resources.
Academic facilities can give you a sense of what it’s like to attend classes at that college. If you can, consider setting aside some time to visit with a faculty member or sitting in on a class. Watching how the professors or teaching assistants interact with the students can give you a great idea of the experience you’ll get as a student.
You can ask questions about the facilities, learn whether the technology is up to date, learn about the accessibility of faculty members, office hours, and any restrictions on faculty access or building access. You want your child’s best possible academic environment, and you can only find out by checking it out.
Some students think these are the most important buildings on a tour, and I half agree. You and your student must ensure you’re choosing the best educational atmosphere possible. However, remember that you can’t make friends with a building or spend time socializing with an academic program — remember the social aspect of campus life.
Evaluate the condition and accessibility of academic buildings. Are the facilities well-maintained, and do they meet your standards? Consider how easily you can navigate the campus and access the needed resources.
Visit specialized facilities related to your field of study, such as labs, studios or performance spaces. Pay attention to the condition of classrooms and lecture halls, noting factors like technology integration, seating arrangements and overall comfort.
The campus tour should always feature at least one library. If it doesn’t, seriously question the integrity of the university. Even if your child doesn’t think they’ll use the library, they will! Look for shelves lined with a diverse tapestry of books and resources, the soft glow of study lamps and students huddling in cozy nooks or at communal tables, tapping away at laptops.
The library should be calm, with a subtle rustle of turning pages and the faint hum of intellectual curiosity, creating a serene sanctuary for individual and collaborative learning.
Auditoriums and Performing Arts Spaces
Auditoriums and performing arts spaces may not appeal to all students (can you hear your student now?: “I’m not in the band or choir. Why do we have to look at this?”). Remember that all students will likely go to events on campus, and they may go here to watch.
The tour guide may also include beautiful spaces like parks, gardens, or other outdoor areas to show off the campus’s natural beauty and recreational spaces.
A few tips:
Wear comfortable walking shoes! You will not want to wear high heels — you will walk on campus for an hour, sometimes over craggy sidewalks and up flights of stairs. Check your kids’ shoes, too.
Consider the weather. Bring a coat if it’s going to rain or be cold. Sometimes, students would show up in sweatshirts for their 20-degree-weather tour. Our campus visit coordinator often scrambled to find coats for these silly kids.
Check your physical fitness. Some family members struggle to keep up with the pace of a college kid on a tour. If you’re not sure you can make it, send your child on the tour on their own and view the campus on your own at a leisurely pace.
Walk near the front of the tour group. Campus tour groups may be huge, so park yourself near the front of the group so you can hear everything. The people in the back miss a lot.
Be prepared to stop a lot. Whether to ensure lagging people catch up or to stop to hear about a particular campus feature, you’re going to stop on the tour.
Don’t forget to go to the bathroom before your tour. Most student tour guides have a prescribed hour to fit in the whole tour, and making everyone else wait could mean the student might be late for class.
Ask questions. Everywhere you go!
Ask if you can go into buildings not on the tour. If you see a building and your tour guide does not plan to go in, ask if you can. They might say yes or suggest you swing back at the end of the tour or later during your visit.
Ask for a smaller tour group if yours is large: It’s worth trying to get a small tour if you can see a huge group of people forming to leave for a tour. Consider sidling up to the desk and asking discreetly for a smaller tour. It’s not always possible, but could be worth it to get a more personalized experience.
Experiencing the Academic Side
Besides touring academic buildings on campus, your student may also elect to meet with a professor. I highly recommend meeting with professors face-to-face to understand how professors work and interact with students.
Are they serious? Jokey? Care about their students? Naturally, some of that varies from professor to professor, but should be ingrained in the college’s aims and goals. Ask about the accessibility of professors outside of class. Are they available for one-on-one meetings, and do they actively engage with students in academic and extracurricular settings?
Understanding the level of interaction your child can have with faculty members is crucial for a well-rounded educational experience.
If meeting with a professor gives your kid the heebie-jeebies, sitting in on a class can help alleviate some of that pressure. Your child will get a feel for the class while you duck out and order your favorite coffee from the student cafe.
Your student will hopefully feel immediately at ease in that professor’s classroom. Some professors even involve the student in the lesson! Fun (and a little scary)!
If you visit during a group visit day, you may only be able to hear an academic presentation by a professor or admission counselor. If that’s the case, that will give you a great rundown of the academic major your child is interested in, and as an added benefit, you may also hear questions others ask about the program or major that you hadn’t thought to ask.
Meeting with Others on Campus
Finally, who else can you think of to meet while on campus? All of this will be prescheduled before you get to campus, but you may also consider meeting with:
Academic support individuals, particularly if your student has dyslexia or other learning differences.
Coaches, if your child knows they want to play a sport in college.
Financial aid, particularly if you want to get an in-depth idea of what it will cost to attend the college or university.
Did you have a brainwave during your visit but didn’t make an appointment to meet with a particular group or individual on campus? Ask the admissions team or campus visit coordinator if you can squeeze it in later or make an appointment to talk with someone over the phone or Zoom in the coming weeks.
Other Factors to Consider During College Visits
There are a million other things to consider when you’re on campuses. However, we’ll bring a few to the forefront: student-to-faculty ratio, extracurricular activities, diversity and student support services. Let’s hatch these eggs.
Class size can significantly impact your learning experience. Smaller class sizes often allow for more personalized attention and meaningful interactions with professors. During your visit, inquire about the student-to-faculty ratio and how it might vary across different departments.
Beyond academics, a well-rounded college experience includes participation in extracurricular activities. Explore the clubs, sports teams and cultural organizations available on campus. Consider how these opportunities align with your child’s interests and passions.
If you’re lucky, maybe a club fair will be going on, or maybe your student can talk to someone about an organization. Inquire about the level of student involvement, leadership opportunities and the overall impact of extracurricular activities on the campus community. A vibrant extracurricular scene can enhance your child’s college experience and contribute to personal and professional growth.
Diversity enhances the learning environment by exposing students to a variety of perspectives. Take note of the student body’s demographic makeup and the college’s efforts to promote inclusivity. A diverse campus fosters a rich and dynamic community.
Speak with students from various backgrounds to gain insights into their experiences on campus. Additionally, inquire about the support services for underrepresented groups and the overall campus climate regarding diversity and inclusion. Remember, diversity means many things, including where people are from and their interests.
College life can be demanding. Ask about counseling services, academic support and career guidance. If resources like this are readily available, your student may feel more secure as they navigate the academic journey. Learn about mental health resources available on campus to ensure a well-rounded support system throughout your child’s college experience.
Ask about internship and job placement and the percentages. Alarm bells should ring if you hear “30 percent of our students found jobs after graduation last year.” That’s low. Ask about time management and study skill seminars offered by academic support services.
Making the Most of Your Campus Visits
Finally, let’s put the chocolate syrup on the ice cream on your campus tour. These tips will put the finishing touches on your visits.
Engage with Current Students
Current students are the MIPs — the most insightful people — during college visits. They can offer candid information about daily life on campus, the rigor of academic programs and the overall student experience. Don’t hesitate to discuss with students you encounter during your tour, and consider arranging meetings with student ambassadors or participating in campus events.
Prepare a list of questions to ask current students. Inquire about their favorite aspects of the college, any challenges they’ve faced and how supportive the campus community is. Ask about opportunities for involvement in clubs, sports or other extracurricular activities. Current students’ perspectives can provide a realistic and nuanced view of what being a part of the college community is like.
Explore Surrounding Areas
A college education extends beyond the campus boundaries. Take time to explore the surrounding areas to gauge the off-campus lifestyle. Consider factors such as housing options, local amenities and job opportunities for internships or part-time work. A college’s location can significantly influence your overall experience, so ensure it aligns with your preferences.
Beyond the immediate vicinity, consider the broader city or town. Is it a thriving urban center with diverse cultural offerings or a quieter town with a strong sense of community? Assess whether the surrounding area complements your lifestyle and preferences.
Document Your Impressions
With multiple college visits, details can start to blur. Create a system for documenting your impressions through a travel journal, photos, or a dedicated app. Include notes on the campus atmosphere, academic facilities and any standout features. Use our college visit checklist, the College Money Tips College Visit Spreadsheet, to document your impressions. You can copy and paste it onto your own Google spreadsheet.
Organize your documentation by college, making it easy to compare your experiences. Include positive and negative observations and any feelings or intuitions you had during the visit. This documentation will be a valuable reference when making your final decision, helping you recall the nuances of each campus and how well they align with your expectations. Don’t forget to do this right away because it’s easy to forget the details once you do several college visits!
Does Visiting a College Help You Get In?
Do college visits help admissions?
Visiting colleges doesn’t necessarily mean you’ll get in. You still have to meet the entrance requirements for the college or university. Your admission counselor will go over the requirements when you meet with them. If you don’t think you’ll meet the requirements, ask the admission office about what you can do to boost your chances of getting in. It may involve taking the ACT or SAT again or auditioning for an oboe solo — ask the admission office.
Make Your College Visits Exceptional
In the intricate process of choosing the right college, official campus visits stand out as a pivotal step. By immersing yourself in the environment, engaging with current students and carefully considering various factors, you can make the right decisions that align with your academic and personal goals. College visits go beyond the brochures and websites. They let you envision your future on campus and find the perfect home.
Also, remember that the weather can influence your perception of a campus. A beautiful, sunny day might cast the campus in a positive light, while a rainy or overcast day could impact the visit. Consider visiting multiple times, if possible, to experience the campus in different seasons and weather conditions.
Finally, consider visiting colleges when schools are in session because you can view the college when students are on campus. Visiting college during spring break or fall break requires a specific approach, possibly visiting again when students are on campus.
How to Schedule College Visits: A Step-by-Step Guide
Let’s go over the steps for how to set up a college visit, beginning with thinking through your child’s interests. Then we’ll walk you through how to coordinate with admission offices at the school your child wants to visit.
Step 1: Determine which schools to visit.
The hardest part might seem like it should be the simplest. Which colleges should you visit? Ask your child a few questions:
What size college do you prefer? Do you think you’d like to go to a large state university or a smaller liberal arts college? Or a college that’s sized something in between? It’s a great idea to visit a small, medium and large institution so you get a feel for each option.
How far away do you feel comfortable attending college? That will peel back their options — or open them super wide!
Which schools do you want to apply to? Visit the colleges your student plans to apply to or has been granted admission to. (I know, it seems super obvious.)
So, finally, create a shortlist. Spend some time brainstorming with your student. It’s okay to put together a list of colleges and universities you’ve heard of, including adding colleges that you know Aunt Sarah has gone to, etc. Also consider location, size and available programs. Consider not getting too hung up on the program, however, because many students change their minds about their major while in college.
Step 2: Set a realistic timeline.
When should you tour colleges? As a senior, your child may want to visit prior to major application deadlines. For example, you may not want to visit October 31 if your child faces a November 1 deadline! Here’s a quick look at common application deadline dates:
Early Decision (ED): Deadlines for ED applications are usually November 1 or 15. You especially want to visit prior to these deadlines because ED is a binding commitment, meaning your child must withdraw their other college applications.
Early Action (EA): Deadlines for EA applications usually land in November, but some may extend into December as well. EA is non-binding, unlike ED, which means your child can apply to other colleges.
Regular Decision (RD): RD deadlines commonly land around January 1 or 15. You can apply to multiple colleges RD and decide on the national candidate reply date, May 1.
Rolling Admission: Rolling admission means universities and colleges review applications as they receive them and make decisions throughout the year. It offers the most flexibility when working around visit dates, but you still want to visit and apply early so your child can secure their spot in the class.
Then, there’s also your child’s year in school to consider. Freshmen and sophomores definitely have the most flexibility because you can visit any time, at any year. Juniors generally have the same option. But here’s a quick breakdown for you!
Junior year: Visit during school breaks, weekends or any time that fits your schedule.
Senior year: Schedule visits during the fall that your child hasn’t had a chance to visit, prior to the application deadline.
Does this mean that your child can’t visit colleges after submitting applications, particularly after they have been accepted? Absolutely not — that’s what admitted student events are for. Repeat visits are also great for revisiting specific departments as well! For example, if you want to compare two biology departments more closely, you can definitely visit to compare them, apples-to-apples.
Step 4: Decide on a date and time.
Think about the right date and time for your visit, because that’s one of the first questions you’ll have to answer when you talk to an admission office or sign up for a visit online. Some colleges have very specific visit days outlined and others allow you to visit whenever you’d like, during regular business hours. Some colleges are also open on select Saturdays.
Don’t forget to leave yourself plenty of time to do a visit. Allow yourself at least two hours to go on a tour and meet with an admission counselor, though you might even need four hours to do everything your child wants to do.
Tip: Consider not touring two college visits in one day, even if they’re in the same town. It’s a lot for one day!
Step 5: Determine what you’d like to do on your child’s visit.
Talk to your child about what you want to do on a college visit ahead of time. The downside to this process: You may not even know your options when you set up a campus visit. Most colleges have a dizzying array of college visit options. For example, your child can:
Attend an on-campus, personal visit
Opt for a large group visit day
Do a visit day specific to your child’s interests, like an admitted student visit day, engineering visit day or transfer visit day
Consider: Does your child want to blend into the crowd? Go for a large group visit day. Do you both prefer that your visit be a one-on-one experience? You both might want to do a personal campus visit.
I really liked one-on-one personal campus visits because it’s all about your student — they can do exactly what they want on a visit, such as digging into a science lab or meeting with an engineering professor one-on-one. It’s pretty hard to do that on a personal campus visit.
Step 6: Contact the admission office.
There are two main ways to schedule a college visit:
The old fashioned way: Calling the admission office on the phone. All colleges have a campus visit coordinator who answers the phone and schedules your visit. Most of these individuals are super friendly and welcoming!
The 21st century way: Signing up for a visit online. (Okay, that option existed in the 20th century, too.) Anyway, you can sign up for everything your child wants to do online.
We’ll go through how each option works, step by step, below:
Phoning the Admission Office
I often used to answer the phone in the admission office for the campus visit coordinator, so this is how it would sometimes sound:
Campus visit coordinator: “[Name of college] admission, this is Melissa. How can I help you?”
You or your student (encourage your student to make the call! It’s a great step toward independence!): “Hello, we’d like to schedule a college visit.”
Campus visit coordinator: “Great! What is your student’s name and when would you like to visit?”
The campus visit coordinator will immediately ask you questions, such as your student’s name and hometown to locate them in their customer relationship management (CRM) system. Many colleges and universities use Slate. If your child is already in the CRM, it’s easy peasy. If you’re not in the system, expect more questions, such as:
Year in school
Other questions to help them complete your profile in Slate
Because you’ve talked about what you’d like to do while on campus, you have a launchpad to discuss all your options with the campus visit coordinator. Throw every interest your student has out there, no matter how wacky. They are there to help your student connect with specific interests, such as women’s bowling or the chess club.
Much like reviewing your order at a restaurant, the campus visit coordinator should walk you through your requests and then get to work putting together your visit.
Registering for a Visit Online
Naturally, registering for a visit online is a markedly different experience because you’re not talking to a real person. I recommend calling because you can articulate any special nuances of your visit. For example, you can ask for a possible longer tour because you’re bringing Grandma and Grandpa along. Talking with them in person can allow you to ask specific questions about the campus visit schedule.
However, registering for a visit online is certainly an option. The process looks like this:
Navigate to the website. Click on “Admissions” on the college’s website, ensuring you’re on the undergraduate admissions section of the website.
Choose the type of visit you prefer. You may have an array of choices: personal campus visit (also called daily visit), weekend visit or group visit.
Fill out the information prompt. The site will prompt you to fill in your name, address, high school, graduation year, academic interests, athletic interests, etc.
Indicate specific requests. Does your child have very specific questions for a particular individual? You can choose meeting with a professor or coach, sitting in on a class, meeting with an admission counselor or meeting with other individuals on campus.
Check for a confirmation email after you hit submit. It should come to your inbox pretty quickly! If you don’t receive a confirmation email within a day, reach out to the admission office.
Create an account (if required). Some colleges may require you to create an account on the admission portal to handle your visit, so follow the instructions.
Prepare to modify your registration. Many colleges allow you to modify your registration online. Use the confirmation email or the admission portal to make necessary changes. If you must cancel your visit, do so within 24 hours.
Contact the admission office if you have specific requests not available on the online visit form. You want to get the most tailored visit possible for your child, because you may only have one shot to visit!
At the very minimum, try to get:
Tour of campus
Meet with an admission professional
Meet with a financial aid professional
Meet with a professor
Information session (usually led by admission staff, though professors may lead this session)
However, if your child has other “musts” in college — dietary needs, soccer talent, oboe talent — whatever! — schedule those meetings as well.
Step 7: Watch for confirmation materials.
Your child should get confirmation materials, and they may come in various forms:
Written confirmation via snail mail
Your high schooler might get some of these confirmation types — or all of them.
Double-check all confirmation materials so you know you’ve got the right date, time and appointments. Your child may also get an email or text message confirmation the day of the visit or the night before. Check the dates and times again.
Tip for parents: You might want to add your own email or phone number to the confirmation materials — not your student’s. High school kids aren’t always the best at checking their email and sometimes don’t read text messages thoroughly.
Why not get a preview of the college? It’ll help you think of questions to ask when you actually visit. For example, check out Harvard’s virtual tour. You can make notes as you watch and bring those notes with you when you and your child visit the college.
What to Remember When Scheduling College Visits
When scheduling college visits, remember:
No question is too silly. You want to get the very best college visit possible for your child, so ask for those appointments that seem over the top, like “Can we meet with a wildlife biology professor, not just a biology professor?”
Consider writing out your plan ahead of time. Colleges have different fall break dates, weekend dates and more. What works for one college visit may not work for another, and you may find yourself in the position of having to switch visit dates. Therefore, consider discussing several campuses you want to visit so you can do a switcheroo if needed.
You’re not alone in this process. A campus visit coordinator or admission counselor can answer your questions about the campus visit schedule or how to visit colleges. If you have questions, ask. You should never feel lost during the college visit process.
Visit several colleges so you and your child can compare and contrast them. Consider checking out a wide variety of school sizes, from state universities to private colleges and even community colleges, too. The only way you can find the best fit for your high schooler is to visit a lot of colleges.
Schedule College Visits Now
You and your child also visit at any age — you can start as early as middle school if you choose! But if you get going during your high schooler’s sophomore year in high school, that’ll give you plenty of time to make the rounds and get a feel for which one is best for your child.
Keep a log before and after visiting. I have a handy spreadsheet you can copy and paste!
Keep a running list of the pros and cons of each college. Your child might start to forget about visits she did three years ago, so keeping a spreadsheet is one way to keep things fresh on your college visit checklist.
When your child applies for financial aid through the Free Application for Federal Student Aid (FAFSA), they may experience a gap between the cost of the school and the financial aid they actually receive. A private student loan, which may come from an online lender, credit union, bank or other lender, may help cover the gaps that financial aid doesn’t cover.
We reviewed the best private student loans based on research on interest rates, repayment terms, other benefits and more. We’ll also go over the basics of private student loans, including how they work, the pros and cons between private and federal student loans, how students can maximize both federal and private student loans and more.
We compared dozens of private loan providers and chose the top five to feature here. According to our research, the best private student loans for students include:
Minimum credit score
APR (both fixed and variable)
4.49% – 14.75%
4.50% – 15.33%
4.49% – 13.95%
How Do Private Student Loans Work?
Private student loans differ from federal student loans because they do not come from the government. Your child’s school may also be a direct loan institution, which means that the school may offer loans directly to borrowers. Ask your child’s school if it offers loans directly.
You can submit applications through lender websites and must include the following:
Information about your child’s degree or program
The school your child plans to attend
The amount of money you need to borrow (your child must have qualified higher education expenses at an eligible institution)
Personal and financial information
Cosigner information, if applicable
Your child may have to be the age of majority in your state of residence (if not, your child may need a cosigner) and be a U.S. citizen, permanent resident or non-permanent resident alien. Your child may also have to be enrolled at least half time in a degree-granting program.
Your child can borrow up to their school’s cost of attendance in private loans, minus other financial aid earned. Individual lenders may have limits for the amount of money your child can borrow.
Your child will face limits on federal student loan amounts. For example, dependent students may not qualify for more than $5,500 in their first year and no more than $3,500 of this amount may be in subsidized loans. Dependent undergraduate students run into an aggregate loan limit of $31,000; your child cannot get more than $23,000 of this amount in subsidized loans.
In contrast, the application process differs for private student loans versus federal student loans. You or your student must file the Free Application for Federal Student Aid (FAFSA) to qualify for federal student loans. Federal student loans come from the U.S. Department of Education through the William D. Ford Federal Direct Loan (Direct Loan) Program. Direct loans include Direct Subsidized loans, Direct Unsubsidized loans and Direct PLUS loans:
Direct Subsidized loans: Undergraduate students who demonstrate financial need may receive the Direct Subsidized Loan to help pay for college or career school. The federal government pays the interest on Direct Subsidized loans while you’re in school.
Direct Unsubsidized loans: Graduate and undergraduate students can tap into unsubsidized loans, which means that the government does not take care of the interest while you’re in school.
Direct PLUS loans: Parents of undergraduate students can help pay for cosmetology students’ education with a Direct PLUS loan. Parents will have to undergo a credit check.
Private student lenders may require you to make payments while you are still in school and can have variable or fixed interest rates. Federal interest rates are always fixed. This means that federal student loans may be more predictable when your child repays them.
Federal student loans typically carry lower interest rates than private student loans and private loans also cause you to lose out on income-driven repayment plans and other perks such as public service loan forgiveness, which means you do not have to pay your student loans after a certain period of time.
Federal vs. Private Student Loans
One of the best ways to compare federal and private student loans involves looking at the pros and cons of both. So, what are the pros and cons of federal vs. private student loans? Let’s take a quick look.
Pros of Federal Student Loans
Let’s take a quick look at a few benefits of federal student loans first.
Fixed interest rates: Federal student loans offer fixed interest rates. This means that when your child repays their loans, they know what interest rate to expect. Fixed interest rates never change, while variable interest rates change.
Payments not due while in school: Federal student loan repayment doesn’t begin until after you graduate, leave school or enroll in school below half-time.
Lower interest rates: Your student will typically pay lower interest rates for federal student loans compared to private student loans. However, it’s a good idea to compare several options to check on the costs.
Subsidized options: You can qualify for subsidized federal student loans, which means that the government will pay the interest while your child attends school.
Tax deductible interest: Interest may be tax deductible on a federal student loan.
Repayment plans: You may choose from several repayment plans for federal student loans, including income-driven repayment plans. Also note that if your child decides to pay off a student loan early, they won’t pay a prepayment penalty.
Loan forgiveness and consolidation: Your child will have many federal loan perks, including forgiveness (in which they may not have to pay back loans, such as if they choose to work in public service) and consolidation, which means combining at least two loans into one loan and getting a new interest rate.
Cons of Federal Student Loans
What are the downsides of federal student loans? You may have heard that you should take out federal student loans before private student loans, but you should still consider all angles of federal student loans before you borrow.
Borrower limits: Your child cannot borrow an unlimited amount with federal student loans. As your child becomes a first-year through fourth-year college student, they can borrow progressively more. They will face an aggregate loan limit that they cannot go over for both undergraduate and graduate school.
No subsidized loans for graduate students: Graduate students cannot tap into Direct Subsidized loans, which means the government will not pay the interest while your student is in school. Graduate students must also pay a higher interest rate for their federal student loans.
Not all institutions participate: Not all educational institutions that distribute Title IV student aid funds, which means that your child’s school may not offer federal student loans.
Hard to discharge: It is extremely difficult to discharge federal student loans. If your child defaults or cannot repay federal loans will not get away from them through bankruptcy. In short, it’s really hard to discharge student loans, including through Chapter 13 or Chapter 7 bankruptcy.
Pros of Private Student Loans
The benefits of private student loans include the following:
Fills in the gaps: Private student loans can fill in the gaps between the sticker price of a college, financial aid your child receives and federal student loans. When your child has unmet need, private loans can take care of the rest.
Unlimited borrowing: Generally, you can borrow up to the cost of attendance in private student loans, minus financial aid.
Tax-deductible interest: Interest may also be tax deductible on private student loans.
May have lower interest rates: You may find that certain private loans have lower interest rates than graduate and parent loans, particularly with regard to graduate and parent loans through the Department of Education.
Cons of Private Student Loans
The downsides to private student loans include:
No access to federal protections: Your child will not have access to federal income-driven repayment or loan forgiveness options with private student loans. They also wouldn’t be subject to orders from the federal government to cancel student debt.
Based on creditworthiness: Qualifications for private student loans are based on creditworthiness, which means that you or your student must undergo a credit check. Lower credit scores combined with lower income can result in a higher interest rate. Your credit score is a three-digit number that ranges from 300 – 850 and summarizes how well you have paid back debt in the past.
No federal subsidies: The federal government will not pay the interest on a private student loan like the federal government does with a subsidized student loan.
How Are Private Student Loan Interest Rates Determined?
If you take out a private student loan, you must repay it with interest. Private student loan interest rates are based in part on your credit score (as a cosigner) or your child’s credit score. The higher your credit score, the lower your interest rate may be.
Your child may have the option for a fixed or variable private loan interest rate. A fixed interest rate stays the same throughout the life of the loan, while a variable interest rate changes depending on an underlying benchmark index rate. Variable interest rates are usually based on the Secured Overnight Financing Rate (SOFR) index rate. As the interest rate changes, your monthly debt payment could go up and/or down due to the changes in the index rate. Interest rates typically include the base rate, the lender’s policies and you or your child’s credit history. To break it down even more, they are based on fixed margin, or the lender’s decision about your ability to repay the loan — this part of your loan doesn’t change. The variable part of the interest rate changes, and that part is based on the interest rate index.
Ask private lenders about the total cost of the variable interest rate you’ll pay and also compare these rates to current federal student loan interest rates, currently first disbursed on or after July 1, 2022 and before July 1, 2023.
Fixed Interest Rate
Direct Subsidized loans and Direct Unsubsidized loans
Direct Unsubsidized loans
Graduate or professional students
Direct PLUS loans
Parents and graduate or professional students
Note that private student loans list an annual percentage rate (APR), the annual cost of a loan to a borrower, including fees like loan origination fees. The interest rate doesn’t include these fees. You should always look at the APR of private loans, not just the interest rate.
How Can Students Maximize Both Federal and Private Loans?
Students can take advantage of both federal and private student loans by filing the FAFSA online at fafsa.gov or complete a FAFSA PDF and mailing it in. You can also apply for private student loans on a lender’s website.
Students can generally borrow up to the cost of attendance for private student loans, minus financial aid. The first step involves filing the FAFSA, which you can do in a few simple steps (you can do it for your student or your student can do it by themselves):
First, create an account with a username and password, called an FSA ID, and have the following information handy:
Social Security numbers for you and your dependent student
You can save time by using the IRS direct retrieval tool (DRT), which automatically transfers tax information onto the FAFSA. Note that you can’t see the exact data for security purposes; you’ll see the words “transferred from the IRS” in the appropriate fields.
Maximizing both federal and private loan options also involves understanding the annual loan limits for federal student loans.
Maximum Annual Limits
Direct Subsidized loans and Direct Unsubsidized loans
Between $5,500 and $12,500, depending on year in school and dependency status
Direct Unsubsidized loans (graduate students are not eligible for Direct Subsidized loans)
Up to $20,500 each academic year
You can add up the federal loans your child receives, as well as the work-study, scholarships and grants that make up their financial aid award. What is the gap between the amount of aid received and the amount still owed to the college?
Let’s use some fictitious numbers to illustrate the point. Let’s say your child receives the following:
$5,500: Federal loans
In this case, aid would amount to $18,600 in total. Let’s say that the cost of college is $25,000 (another fictitious figure). The gap between the cost and the award amount is $6,400, which means your child could then apply for a private loan to cover the rest of the costs.
Is a Private Student Loan a Good Option?
A private student loan can offer a wonderful opportunity to allow your child to achieve a college degree and their career ambitions.
However, it’s a good idea to consider all the angles of a private student loan, including the interest rate, loan limits, fees repayment penalty (the amount your child may have to pay if they pay off the loan before it’s due) and even customer service that the private lender may provide.
Consider encouraging your student to exhaust their federal student loan options first due to the federal protections they get with their federal loans, such as consolidation and loan forgiveness.
Your child can also drive down their interest rate with private student loans when they have access to a reliable cosigner with excellent credit. This could make federal student loans a great option.
How to Find the Right Private Student Loan
First and foremost, carefully compare options between private loan lenders, including repayment terms. You can help your child take the following steps to find the best student loans for college.
Step 1: Put together a lender list.
Help your child put together a lender list. Look at reputable companies known to support borrowers during repayment. You can eliminate any lenders that don’t line up with the eligibility requirements for your child’s particular situation.
Don’t forget to check with the financial aid office of the school your child plans to attend for a preferred list of lenders. Many institutions are direct lending institutions for college loans.
Step 2: Check the loan terms.
Loan terms tell you how long your lender expects you to pay back your debt. Unlike federal student loans, you do not get a standard repayment schedule for private student loans. Many private student loans give students 120 months (10 years) to repay their loans, but some private lenders allow a 25-year repayment term.
Also, find out what happens if you can’t make your payments. Private lenders don’t have forbearance programs if your child loses a job in the future, though the best loan providers for students may help out in a sticky situation.
Step 3: Get quotes and compare offers.
Prequalify with a lender next. Lenders will do a soft credit inquiry when they check your credit for prequalification, which doesn’t hurt your credit quite as much as a hard credit inquiry.
Next, compare offers to determine the lowest rate, best repayment term for your child’s situation, borrower protections and other benefits.
Step 4: Choose a lender.
Finally, choose a lender and complete an application using the lender’s process. Each lender will offer different instructions on how to get a student loan. Have items handy such as Social Security number, address, enrollment information in school, employment information, financial information, loan amount requested and financial aid information.
Every provider will have a different process on how to get a student loan. Most lenders will tell you the results quickly, but read the fine print before you make a final decision. Your child should have about 30 days to accept the loan offer and your lender should release the funds within weeks or months.
Can My Child Get a Private Student Loan without a Cosigner?
Eligibility requirements for a private student loan vary depending on your student’s lender and the loan you want to take out, but generally, your child will face limited options if they can’t get a co-signer.
How to Get Private Student Loans with Bad Credit
How might you help your student get student loans, even if you have bad credit? Naturally, you want to raise your credit score to increase your chances of cosigning a private student loan with your child. A couple tactics include paying off debt, making all payments on time and keeping your credit utilization low. Let’s take a quick look at all of these options.
Pay off debt: Having a lot of unpaid debt can affect your credit score. Paying off your debt may help raise your credit score and help you cosign a private loan with your child. You can benefit from paying off any debt you have, whether from your own student loans, credit cards, personal loans and more.
Make payments on time: Making payments on time can also increase your credit score for any loan you owe on. Setting up autopay on all bills can help you raise your credit score.
Keep credit utilization low: Your credit utilization ratio compares the amount of credit you use versus the amount of credit you have available. For example, if you have a credit card limit of $5,000 and use $1,000, in this particular instance, your credit utilization limit is 20%: $5,000/$1,000 = 0.20 x 100 = 20%. Try keeping this number below 30%.
You can’t pinpoint an exact time that your credit score will take an upswing, it’s always worth trying to make it happen so you can become a cosigner for your child.
Let’s take a look at a few frequently asked questions about private loans for college.
What are the eligibility requirements for a private student loan?
Lenders each have their own eligibility requirements. In general, your child must be a U.S. citizen or permanent resident, attend school at least half time and qualify with a cosigner. Understand the risks before you become a cosigner, because you’ll need to make monthly payments on your child’s loan if they default on their loans. Getting a loan without a cosigner can cause your child to pay more in interest over time.
How do you find the best private student loan?
What is the best student loan? Shop around to find the best private loan. Check on interest rates, fees, customer service, ratings among current customers, repayment options, including repayment flexibility and more. The private loans that have the lowest interest rate and most favorable customer service options, fees and repayment options should catch your interest. However, consider having your child take advantage of federal student loans first, which usually offer more repayment perks and lower interest rates.
Do private student loans have fees?
Private student loans can come with fees, such as the origination fee (the amount your child pays to to take out a loan, which is the percentage of the loan fee), the application fee (the fee charged to process your application), late payment fee (the fee your child pays if they don’t make on-time payments) and prepayment penalty (the fee for paying off the loan early). Make sure your child can pay the loan off whenever they want.
Here’s how College Money Tips chose the best private student loan lenders: We reviewed interest rates, repayment options, loan amount options, cosigner details, fees, Better Business Bureau (BBB) rating, customer service and other benefits. We aggregated the data based on all of these factors and made decisions based on top scores in each category.
College certainly isn’t free, what with the cost of tuition, room, board and fees, college applications, the cost of standardized tests and more. It’s easy to think that those are the only costs involved in the process, but they aren’t.
So, in general, are college tours free?
Yes and no.
You don’t pay money to go on the college tour but the “extras” cost money. When your child visits college, you have to think about other costs — travel expenses, meal purchases and hotel visits. Consider the cost of visiting five schools. Flights, meals, parking and hotel rooms can cost into the hundreds (if not thousands!) of dollars.
However, colleges and universities often invest their resources to make college visits absolutely free of charge for students.
No, tours themselves do not cost money, and generally, neither do college visits. In other words, you don’t have to pay a fee to the campus visit coordinator as soon as you step onto the threshold of the admission office. However, you might have to pay to park in the admissions office lot or a lot near the admissions office on campus. You might have to pay to eat lunch in the cafeteria.
Let’s break down the definition of a college tour. College or university tours involve a walking tour of campus that lasts between 60 to 90 minutes. In these, a tour guide (typically a college student) takes you through academic buildings, residence halls, student lounges, cafeterias and more.
A college visit refers to all the activities you do while you’re on campus, including the tour. For example, the full visit might include the following:
Meeting with faculty
Tour of campus
Meeting with admissions or financial aid
Eating lunch on campus
Meeting with an extracurricular advisor or coach
It’s worth asking how much you’ll pay in extra fees when you sign up for your visit. The campus visit coordinator or your admissions counselor will tell you what fees you’ll pay once you’re on campus. Overall, these direct fees shouldn’t cost a lot.
Which Types of Programs Offer Free College Visits?
Some colleges offer programs that guarantee that your child’s visit will cost nothing. Students may tap into a wide variety of options, but the tricky thing is that all colleges may offer different options. It’s also worth noting that colleges may not offer free programs for parents — only students. Let’s take a look at three main types of programs you may want to ask about: diversity fly-in programs, travel reimbursement and scholarships for college visits.
How do you find out about the opportunities available at colleges and universities? Easy! Just ask, referencing some of these program ideas/opportunities when you ask the admissions office.
Diversity Fly-in Programs
Colleges may want to develop their profiles by developing its minority population. Therefore, they may have something called fly-in weekends, diversity overnight programs or weekend immersions. Colleges may call them different things, but the point is that they cost nothing to attend for the entire visit — meals, the overnight visit, everything is free. Students will spend the night on campus with another student, eat meals in the cafeteria and experience college life side-by-side with another current student.
Students who visit colleges (typically from out-of-state) might qualify for travel reimbursement, such as flight or gas expenses. Typically, the admissions office accepts receipts and then sends a check to reimburse you, the parent. Colleges and universities may require your child to live a certain distance away from the school in order to qualify for travel reimbursement. For example, you probably can’t expect to get travel reimbursement if you and your student live just one hour away.
Scholarships and Grants for College Visits
Some colleges and universities will give you a scholarship or grant for making an official campus visit. However, it’s likely that you’ll need to enroll in exchange. For example, a school might state on its website, “If you make an official campus visit, you’ll receive $1,000 per year for up to four years when you attend XYZ College.” Look into the requirements, such as visiting by a specific date.
Who is Eligible for Free College Visits?
In general, free college visits are set up for those who would find the cost of college visits too expensive or for underrepresented students on campus. Colleges would like to underrepresented students who fit certain backgrounds, such as the following:
First-generation college students: First-generation (also sometimes abbreviated “first gen”) means that parents of college students didn’t attend a four-year college, regardless of whether prior generations (including grandparents) did.
Lower-income students: “Low income” refers to a family’s taxable income for the preceding year that did not exceed 150% of the poverty level amount.
Minority racial and ethnic backgrounds: Colleges and universities may also put efforts toward recruiting underrepresented minorities. Hispanic undergraduates have increased at four-year colleges and universities since 1996 (their numbers have jumped from 6% to 16% in 2016). Hispanics are now the largest minority group at minimally selective four-year institutions.
What Do Free College Visits Typically Entail?
Free college visits for students may include a wide variety of options. Your child may have great leeway in choosing the activities they want to do on campus. Other schools may completely structure the visit, particularly if no family members tag along. Your child may not have much choice about the times and arrangement of activities, whether it includes an academic presentation, meeting with faculty members, tour and more. The college may strictly weave these activities into what your child does.
The timing may matter as well. Fly-ins and diversity visit programs typically occur in the spring of junior year or fall of senior year. Colleges may also conduct fly-in and visit programs during the spring semester of your child’s senior year to help your student ultimately decide where to attend college — these ultimately give them a last chance to market the college.
How to Qualify for a Free College Visit
Let’s take a look at how to help your child qualify for a free college visit.
Step 1: Help your child identify colleges to visit.
The first step might seem like the trickiest part — targeting colleges to visit! However, that’s a good way to narrow down all the free college visit options. Ask your child where they think they might want to visit — large state universities, small private colleges or mid-sized universities.
If your child doesn’t know for sure, it’s worth considering visiting local colleges and universities to get a feel for the opportunities closer. Otherwise, explore strong options that have your child’s major.
Once you have two or three options narrowed down, you can move onto the next step.
Step 2: Contact the admissions office.
At each of those schools, contact the admissions office. The admission counselor assigned to your child’s part of the country can let you know about your options for free college tours. The counselor may outline a number of options or may require proof of your financial situation if that’s the requirement to qualify for free tours.
Filing the Free Application for Federal Student Aid (FAFSA) gives you and your child the fastest way to prove your financial situation. The admissions office will know pretty quickly whether you have a qualifying income level that allows your child to attend a free college visit. In the same way, if you report your child’s status as a minority, they will likely check your child’s qualifications or take a look at the application.
Step 3: Keep track of processes.
Every school has a different process, so keep track of the visit benefits for each school. It might get confusing if you have six schools on the list! Consider whittling down the list with your child as you go on visits. You may not have to use every voucher because your child might find a dream school halfway through the search process.
Step 4: Consider budgeting.
If you can, consider putting together a budget for college visits. Like it or not, it may cost something to make college visits happen, particularly if your child doesn’t meet every single qualification that the school requires for free visits. Note that parents aren’t always covered during free college visits, so that might be the biggest downside. You may have to pay for yourself to go.
Step 5: Make visits happen.
Next, make college visits happen. Again, you may have to pay for yourself to attend. If you can’t financially afford it, you may not enjoy the fact that you have to sit out of college visits. Sending your child on college visits on their own may not make you feel good about the search process, but if it gives your child a chance to visit colleges, then it might be a good thing. If you’re in a tough spot financially, it may end up being the only way to go.
What if We Don’t Qualify for a Free Visit?
Some colleges won’t offer free visits. If a school offers a somewhat reduced cost for its college visits, they still might not end up as affordable as you want. Consider adjusting your child’s college list to schools that are more willing to adjust the cost of tours.
You may also want to consider making another request to the admissions office to find out what else they may be able to do for your child. In many cases, admissions offices want to do everything they can to get qualified applicants on campus. They may be willing to make a special exception for your child and cover visit costs.
Should You Do Virtual Tours?
Virtual tours are online college tours that you can take while you sit at home in your living room. You and your student may want to consider sitting in on online tours of colleges at the beginning of the college search process.
However, don’t make them your only visit. A college puts its best foot forward with virtual tours. This means that they show only the shiniest options on campus — perfect buildings, beautiful residence halls and more. They put the perkiest students on the tour video and everything looks fresh and amazing. A virtual tour almost always shows an altered reality of campus, so make sure your child gets their feet on campus.
Learn More About Free Tours
Don’t stop looking for options for free tours, even if the option isn’t immediately apparent on a college or university’s admission website. In fact, many won’t publish information about free college tours. Call and ask to learn more and to answer the question, “Do college tours cost money at this particular school?” — it’s your best bet.
Let’s take a look at a few frequently asked questions about free college tours.
Are college tours expensive?
In general, college tours are not expensive. They typically don’t cost you or your child money. Colleges and universities generally offer free tours, free lunch on campus and more. However, it’s the other expenses — hotel, airfare, gas and more — that can add up.
Are college tours worth it?
Yes, college tours are worth it. There’s nothing more important to choosing the right college than getting you and your child’s feet on campus and experiencing it for yourself. You’ll talk to the students, faculty members and other individuals who will make your child’s college experiences invaluable.
What should I expect at a college tour?
One of the most common questions prior to starting the college search process looks like this: How to tour colleges? College visits may involve a wide variety of opportunities that align with your students’ interests. For example, if your child wants to play soccer in college, your child may talk to the soccer coach. The college tour makes up a portion of the college visit. In a college tour, a tour guide takes students through academic buildings, residence halls, common areas and more. The campus tour gives students a general overview of what to expect when they are a student on campus and also gives them an opportunity to ask questions while on the college tour.
Do college tours increase chances of getting in?
No. Your child taking a college tour does not determine whether or not they will get into a college. Your child’s qualifications for admission do more to determine whether your child will get into a particular college or university. However, it’s always good to meet the individuals on campus and have your child show their personality, interests and more. That may tip the scales in favor of admission if your child is “on the bubble.”
“Deferred” means that a college or university hasn’t finished reviewing your child’s admission and will decide on your child’s admission status at a later date.
Deferred admission usually happens in two different ways: When an early decision applicant goes into the regular applicant pool and when a regular applicant must submit more records or materials in order for the college or university to make a final decision about the applicant’s credentials.
In this article, we’ll discuss “What does deferred mean in college?” and what to do if your child gets deferred from college.
When a college or university defers admission, application deferred meaning simply means that the admission committee at that particular school wants to review your child’s application against the Regular Decision pool of applicants. Regular Decision refers to an admission round where students submit their application non-binding (which means they don’t have to attend if accepted) typically by January and receive an admission decision by late March or early April. They have until May 1 to accept or decline the offer of acceptance.
Students who end up with a deferred admission start out applying for admission in a few ways — Early Decision (ED), Early Action (EA) or Restrictive Early Action (REA). Let’s take a quick look at the definitions and learn more about the various admission types:
Early Decision (ED): If your child applies ED, the decision is binding. Your student must attend that particular college and withdraw applications to any and all other schools. Students can apply ED to just one other college.
Early Action (EA): EA, which is not binding, means your child can apply to other colleges and does not have to attend if accepted.
Restrictive Early Action (REA): The not-binding REA allows students to take until May 1 to make a decision but cannot apply early to any other college — including ED, EA or REA.
Your student may feel disappointed about not getting an outright acceptance, but it’s important to stay focused on the positives — most importantly, that the college still wants to continue “getting to know” your student. Your child is still in the running! In fact, you should think of it this way: Schools often don’t know what the level of competitiveness of their applicant pool will look like in the Regular Decision round, so they want to hold back applications in order to compare them.
Some early applicants go into the regular applicant pool. The admission committee will give them a second chance with a new look at them. That way, they can look at strong applicants in the context of the regular application pool. This is a good thing because the regular applicant pool usually isn’t as weighty (aka competitive) as the early applicant pools.
Here’s another perk: Your child can submit updates, such as final semester grades, leadership accomplishments and others that they couldn’t submit before because it was too early in the application process.
Why Do Colleges Defer Students?
Colleges defer students for several reasons, including the fact that they are not ready to make a final decision about your students’ applications. They may have also had a huge surge of early applications and need to defer a large group of applicants who are “on the bubble” — those who are not automatic shoo-ins but still admissible and viable as candidates. Admission offices might also expect a surge of applications for Regular Decision and want to keep spots open for the right candidates.
Now, to make things seem more confusing, you may have also heard of “deferred enrollment.” Note that this means that a student decides to defer admission on their own after acceptance into an academic program. For example, a student may choose to defer admission in order to take a gap year.
Is a Deferral a Rejection?
No, a college deferral is not a rejection. It also does not mean that anything at all is wrong with your child’s application. However, your child might think of it as similar to a rejection, and it’s important to help them understand that a deferral offers them an opportunity to continue to prove their worth to the college or university that issued the deferral.
Harvard says the following about “What does deferred mean?” within its frequently asked questions, “It is impossible to predict individual admission decisions. Past students whose applications were deferred have been admitted at various rates, often approximating the rate for Regular Decision candidates. Over the next few months, your application will be reviewed again, supplying another opportunity for eventual admission.”
How to Handle a Deferral
Let’s take a look at a few steps to handle a deferral if your child gets one.
Step 1: Learn what the college needs to know.
Some colleges share that they would like to learn more information about your student, such as asking for an updated transcript, newer test scores or an update on extracurricular activities.
A college might also firmly state that deferred students should not submit additional application materials. If that’s the case, your child should not submit anything else — not following directions can ruin their chances of gaining admission.
If the college allows you to send additional materials, here’s what you can do next:
Your child will have to gather all the requested materials, just like they did the first time around. However, everything will need to go up a notch. Don’t submit test scores if they are worse than previous scores, and work to get incredible letters of recommendation that are absolutely fantastic. Do whatever you can to encourage your child to go all out after the deferral — not lose momentum. It can be easy to lose enthusiasm after a deferral, but don’t.
If you or your child have specific questions about the materials to submit, call your child’s admission counselor (you can find territory assignments on the college’s website) and have a candid conversation about the materials. The admission counselor will not be able to give you or your child any guarantees regarding admission but will advise you about what to include and maybe even some tips on how to present it. They have your student’s best interests at heart.
Step 2: Have your student draft a letter.
Your student may already feel as if they’ve done a lot regarding admission to that particular institution. However, it’s time to write a professional letter to the director or dean of admission as well as to the admissions counselor.
Consider sending both an email and a hard copy of the letter in the mail. In the letter, one of the most important things your child should do involves explaining why you want to enroll in college. Above all else, colleges want to make sure you fit their school academically, but they also want to hear the magic words — “I want to attend your school because of these reasons…”
It may sound something like this:
My first-choice major at XYZ University is biochemistry, which combines my favorite science classes, biology and chemistry. I knew that I wanted my senior year schedule to follow a strong biochemistry program. After numerous conversations with alumni and my admissions counselor, Jackie Smith, I decided that I wanted to attend XYZ University. I believe that XYZ’s biochemistry program offers me the best opportunity to pursue my goals of becoming a pharmacist. I also plan to pursue the Science Club and undergraduate research opportunities through Professor Mei’s annual attendance at the molecular biology symposium.
I’m excited about all the possibilities available to me at XYZ — the college remains my first choice. If admitted in the regular decision round, I intend to enroll at XYZ.
Since I applied Early Decision, I have become president of the biochemistry club at my high school and began volunteering at our local hospital.
Show that your child will enroll at the school. Restate why the college makes academic and social sense and reference various opportunities your child will get involved in. Let the admissions committee know about those achievements.
Step 3: Ask for letters of recommendation.
As you already know, it’s important to pull out all the stops, so when your child needs additional scholarship recommendations, you should carefully consider just who will do it. You want this person to be able to talk up your student’s character, leadership skills and other qualifications. Who has developed a personal relationship with your child and who can write a letter of recommendation for admission?
Look for someone who can share your child’s character, qualities and future potential. Letter writers really do have a big job — they have to understand the gravity of the deferral recommendation letter, factors that appeal to the committee, deliver a well-written letter and more. They have to make it succinct, compelling and impossible to resist, which is why your child should choose the right person, ideally someone who knows deferred meaning college and what is at stake.
Step 4: Recheck the application.
Your child has done a lot up to this point on the application and it may seem like a major heave to look at everything again. However, it’s worth putting in the extra effort to make sure the application checks all the boxes.
Have your student check the grammar, change some language from active voice to passive voice, have your child read it out loud. As with everything else, it’s time to get this absolutely right.
Step 5: Get comfortable with other schools.
Even if your child takes all the above advice, remember that they could still get rejected in the regular admission cycle. Does your child have other schools on the list? Get to know other schools.
If your child has applied to four or five, what are the pros and cons of each of them? What types of admission do they require, such as rolling admission? You may need to go through the process of visiting other institutions if you’ve been focused on this one. Therefore, consider setting up visits through the admissions office at various schools. You may even need to take a look at other schools by visiting a second time.
Can You Turn a Deferral into an Acceptance?
Absolutely! Once you’ve deciphered the “deferred from college meaning,” it’s important not to lose heart or lose sight of the continued possibilities. Your child still has a chance with the college.
You likely don’t want to think negatively about your child’s acceptance and how it might turn into a deferral. However, don’t focus so much on the deferred college meaning.
Instead, do everything you can to help your student work toward an acceptance but remember that colleges may not want students to submit additional application materials. If that’s the case, follow the college’s instructions to a T — not doing so can spell out an automatic rejection from the college.
Let’s take a look at a few frequently asked questions about deferrals.
Is it better to be waitlisted or deferred?
Waitlisted is different from a deferral. Waitlisting means that your child goes into a type of “holding tank,” meaning that your child may or may not get admitted. At some schools, those on the waitlist almost never get admitted. If waitlisted, your child should start making plans at other schools, which is why students always need a backup list.
Is it better to be deferred or rejected?
A deferral is not the same thing as a rejection. A rejection means that the school will not offer your child admission at this time, while a deferral means that your child’s application will go into the Regular Decision pool of applicants. They want to compare your child’s application against those applicants in the Regular Decision pool.
It’s worth mentioning that a rejection doesn’t have to be permanent. Your child can attend another institution for a semester or a year (such as a community college) and transfer to the original school to which your student applied.
Does deferred usually mean rejected?
No, deferred doesn’t mean an automatic rejection, and it’s important to remember that. Your child still has a shot at admission. Colleges defer students because they are not ready to make a final decision, may have had a large number of early applications or may expect a large number of applications in the Regular Decision round and want to keep spots open for the right candidates.
It does not mean an automatic rejection at all. However, prepare your student to tap into backup options.
Private student loans are a type of loan that undergraduate and graduate students can use to pay for college. Unlike federal student loans, which come from the federal government (the Department of Education, to be specific), private student loans come from private lenders.
It may seem like a daunting task to understand the concept of private vs federal student loans, especially for 18-year-old high school students. In this piece, we’ll do just that. We’ll walk through the definition of a private student loan, help you get a sense of who can get a private student loan, how much you can borrow, interest rates on private student loans and more.
Let’s get started so you and your student have a better answer to “What is considered a private student loan?”
What’s a private student loan? Private student loans come from a private lender such as a bank, credit union or online lender — not the federal government. The private lender sets its own terms and conditions for the private student loan. The application process also looks different for private student loans compared to federal student loans. You don’t file the Free Application for Federal Student Aid (FAFSA) to get a private loan — you fill out an application on the lender’s page.
So, what exactly are the differences between private loans and federal student loans? It’s a great question. The federal government sets forth the terms and conditions of federal student loans and often come with more federal protections, such as in federal income-driven repayment plans. You do not get federal protections with private student loans, though private student loan lenders may consider your situation if you’re having trouble making payments.
In another example of additional perks, in the case of Direct Subsidized loans, the government pays the interest while you’re in college, a feature that private lenders don’t offer.
What are private loans and federal loan similarities and differences? Let’s take a quick look at federal and private loans definition and compare private vs federal student loans side by side below.
Federal Student Loans
Private Student Loans
Not due until after you graduate
May require payments when you are in school, but most allow you to wait until you are no longer in school.
Fixed interest rate (stays the same); may be lower than private loans
Variable (changing) or fixed; which may be higher or lower than federal student loans
Required credit check
Yes, in most cases
May be able to temporarily postpone or lower your payments using federal protections
May be able to arrange postponement or lowered payments through your lender
Repayment plans available, including income-driven repayment plans and standard 10-year repayment plans
May offer more flexible repayment plans; check with your lender
No prepayment penalty
There may be a prepayment penalty; check with your lender
Loan forgiveness programs available through the federal student loan program
Many private lenders do not offer loan forgiveness
Who Can Get a Private Student Loan?
Students and parents can both qualify for private student loans. For example, if you want to help your child pay for college, you can co-sign a private student loan. Typically, undergraduate students will need a cosigner to get a private loan. As a cosigner, private lenders may require you to get your credit score checked to prove your creditworthiness and verify that you have regular income coming in.
If your student is a graduate student, a private lender may grant them a private student loan in their own name. As a graduate student, a private lender may be looking at your student’s credentials, such as income and credit score.
Parents may even be able to get a lower interest rate on private student loans compared to the Parent PLUS loan, a type of federal student loan that parents can borrow to help pay for a child’s education. They come with origination fees that add to the total loan amount, which could potentially cost more over time.
How Much Can You Borrow in Private Student Loans?
Your student can’t borrow as much as they want with federal student loans. However, private lenders allow your child to borrow up to the full cost of attendance (tuition, room, board and fees) as well as other expenses such as books, computers, transportation and living expenses such as rent for an apartment. They do need to meet all lender borrowing requirements, however.
In comparison, undergraduate students may only take out $57,500 in federal student loans (and students can use no more than $23,000 in subsidized loans). Graduate and professional students can only take out a max aggregate amount of $138,500 for graduate or professional studies (with no more than $65,500 of this amount in subsidized loans), which includes all funds from undergraduate studies as well.
If the full cost of an undergraduate institution costs $63,000 per year, you can see how federal student loans might have their limitations and require you to take out private student loans to fill in the gaps.
What Are Interest Rates on Private Loans?
What exactly does “interest rate” mean? The interest rate is the amount the lender charges a borrower for the privilege of borrowing from them. The lender charges an interest rate as a percentage of the amount borrowed.
Unfortunately, there’s no “one rate” that categorizes private loans — they range considerably, from just over 3% to 12% and more. It’s important to consider the interest rates on private loans among various lenders.
Private loans may be higher or lower federal loan interest rates, depending on credentials. You can get a private student loan interest rate lower than federal interest rates.
Unlike federal student loan interest rates, which stay the same (called a fixed rate), private lenders often offer both fixed and variable interest rates. A variable interest rate means that the interest rate changes throughout the life of the loan.
How to Consider Private Student Loans
We’re going beyond the answer to “what are private student loans?” in this section! How do you consider all of the above factors and choose the right route? Let’s chat about it.
Step 1: Understand financial aid awards.
Instead of comparing and contrasting loan interest rates, one of the most important things you should do is understand how a financial aid award works. Financial aid awards all look different from school to school, and it’s a good idea to understand what must be repaid versus what doesn’t. In other words:
Does not need to be repaid:
Must be repaid with interest:
Must be earned:
Understand the differences between all the components of each line of every financial aid award so you can help your child make a great decision about private versus federal student loans they will take on.
Look into every aspect of every type of loan on the financial aid award. For example, let’s say your child receives $2,000 in Direct Unsubsidized loans and $3,500 in Direct Subsidized loans. What are the loan fees? What is the interest rate? (Currently, loan fees are 1.057% for these loans and interest rates are 4.99% for undergraduates.)
Step 2: Shop around.
In most cases, all the shopping you’ll have to do stops right at your child’s school. They will likely offer a reputable lender list and help you decide on a recommended selection.
Look into a variety of private lenders to compare all the features — interest rate, repayment structure, fees, borrower protections, whether there is a credit check, prepayment penalty — everything! Check with your local bank, look at online lenders, etc. Ask all the questions you can think of and more.
Note that the higher your credit score and income, the more likely you’ll get a lower interest rate. You may be able to snag a lower interest rate than those offered by the federal government through federal student loans.
Look into at least three different lending institutions so you have a healthy comparison.
Step 3: Know the process to get a private student loan.
How do private student loans work? You and your child will apply on the lender’s website at no cost to you, fill out information such as address, Social Security number, enrollment information, requested loan amount, financial information (you will, too, if you’re a cosigner), employment history and choose interest rate type and repayment preferences.
The lender will review you/your child’s credit, approve the application and choose the interest rate and repayment option. You and/or your child will accept the loan terms and sign. Once completed, your lender will check into your eligibility, including eligibility for enrollment and the full cost of the school.
Step 4: Consider refinancing for later.
Remember that if you and your student can’t get a great interest rate on a private loan now, you can always refinance down the road and get a lower rate. Refinancing means replacing one or all of your loans with a new loan with a private lender. It’s worth reminding your student again (when the time comes) that she will lose the federal protections and federal repayment options of federal student loans when she refinances.
You cannot refinance a federal loan into a federal loan. You can only refinance from a federal student loan into a private student loan. Note that your child will also have to offer proof of regular income and a higher credit score in order to refinance.
How Long Does it Take to Pay Off a Private Student Loan?
Unlike federal student loans, private student lenders do not offer a standard repayment schedule. However, many private lenders offer the same repayment schedule — 120 months (10 years) to repay. Some private lenders will allow you to extend your payments, potentially up to 25 years.
Understand Private Loans Ahead of Time
It’s a good idea to compare and contrast all the benefits of private loans for your child’s situation and all the various ways you can get college paid for. Get a feel for how private loans can offer your child the best benefits. Will they fill in the gaps that scholarships, grants and loans can’t cover? Will you try to fill in some gaps as well?
Paying for college can seem like a giant puzzle, but it’s important to figure out how each piece fits into the picture.
Let’s take a look at a couple of frequently asked questions that digs deeper into answering the question, “What is a private loan?”
How do you know if loans are private?
You’ll know if loans are private if they don’t come from the federal government. Once you and your child file the FAFSA, they will show up on the financial aid award at every school your child applies to in the form of a “Direct Loan.” Private loans will not show up on financial aid awards, which means that you and your child can work with the school’s financial aid office to choose the right private loan.
Is FAFSA a private student loan?
No, the Free Application for Federal Student Aid (FAFSA) is a free application that you fill out that enables your child to qualify for federal financial aid, including grants, loans and work-study.
How long are college tours? It’s a great question when your child is getting started on the path to visiting colleges. However, understanding the answer to “how long is a college tour?” isn’t as simple as it seems.
Why not? First, it’s important to understand the difference between “college tour” and “college visit” — the tour portion of a college visit is a much smaller part of the campus visit. Furthermore, the college visit itself depends on what your child wants to do while on campus. Your child could schedule a college visit that lasts two hours or two days — it just depends on the student’s preferences.
It’s easy to see which prospective students and families have had great tours in any admission office. In fact, I vividly remember one very satisfied family coming back from tour. Here’s what happened, all at once:
Dad high-fived the tour guide.
Mom looked thrilled (and relieved) and gave the tour guide a hug.
The prospective student grinned from ear to ear and added the tour guide’s personal cellphone number to his phone. He said, “I’m really excited to be here next year.”
Dad asked for our current student’s business card.
I knew that kid was sold, and that’s what the tour should look like!
You just knew each personality was a perfect fit. The student did a perfect job fielding the parents’ questions, addressed the student’s felt needs and connected all the dots for everyone.
Let’s take a look at the definition of a college tour, the length of a typical college tour and visit, the components of a college tour, the benefits of college visits, how to choose your college tour length and an example. By the time you finish reading, you’ll have a pretty good idea of how long you should plan to visit a particular college or university.
The tour is a part of a college campus visit. During a college visit, prospective students and their family members schedule a time in which they can take a look at a college or university. They may do a number of things on a college visit, but the tour in particular shows off certain components of a campus, possibly including, but not limited to, the following:
Residence halls (also called dorm rooms)
Student center or student union
Other areas of the campus
In contrast, the college visit involves a much larger, more comprehensive picture of the college. It could involve the following:
Talking to an admission counselor
Conferencing with the financial aid office
Meeting with a coach
Chatting with someone from an extracurricular activity
Talking with an academic counselor
Chatting with a dietician in the cafeteria
Listening in on a session
There are other types of meetings you can schedule during a college visit, but as you can see, the college tour represents only a small percentage of the college visit.
Campus tours might start out with an information session that lasts approximately 45 minutes, and an admissions officer usually leads the session. They will offer detailed information about the campus, the application process and the process of getting financial aid. Student panelists may also answer questions.
How Long is a College Tour?
How long does a college tour take?
The college tour typically lasts around one hour. However, if your child requests to see additional buildings or you have a slow-moving group, it might take longer than one hour. However, it’s important to be respectful of the tour guide’s time. They are usually students and may have to run to a class immediately after the tour. Some students schedule themselves for their work-study jobs tightly between classes because they’re so busy.
If you think your child may take longer on tour — for whatever reason — you may want to notify the admission office in advance. The admission office may schedule you for a longer tour.
Keep in mind that some schools have a very rigid process and schedule for tours. For example, some give large group tours, show two buildings and that’s it. However, most colleges and universities typically want to try to accommodate your child as much as possible and allow you to do as much as your child requests. It never hurts to ask for those “extras” even though the online schedule looks like it won’t change much.
How Long is a College Visit?
A college visit can last as long as your student and the admission office agree that it can last. For example, if your student wants it to last for two days because she wants to spend the night on campus to get to know the campus better, she can. However, college visits typically last a few hours. During those few hours, you may fit in a tour of campus, a talk with a professor, a conversation with a coach, eating lunch on campus, an academic session, etc. If you want the quick version, you may be in and out in an hour and a half, with just a tour of campus and a chat with an admission professional.
Anatomy of a College Visit
So, let’s back up a bit and discuss exactly what happens during a college visit. A college tour is just one component of a college visit. A personal campus visit can involve the following:
Lunch with a student
Meeting with a professor
Financial aid meeting
Meetings with other organizations or people on campus you and your child specifically request (like a dietitian, academic support personnel, etc.)
On the other hand, you and your child can also attend group visits, which are very different from personal campus visits because you do everything in a group setting. You may do the following:
Specific meeting requests after the visit day
Sure, you’ll want to sit down with your child and think through exactly what you’d like to do while you’re on your visit, but notice what I included on the first bullet of each option? Yep — the college tour. It’s typically the highlight of the campus visit experience. And if you have a fun, knowledgeable student tour guide, that can make or break a college decision.
A fantastic tour of campus should include a stop at every one of these locations:
Classroom or lecture hall
Student center or lounge
These locations could be added — at your request! (The best tour guides veer from the script and go where your child wants to go):
Student resource center
Greek life and other organizations
Campus chapel or other religious center
Athletic facilities or workout facilities
Other locations on campus
And add the glue — an amazing tour guide! — and you’ve got yourself the best college tour ever. How do you get that kind of college tour at every college?
Answer: You plan for it.
A campus tour gives your child (and you!) a much more up close and personal understanding of a college. A campus tour almost always starts from the admission office at a college or university. In fact, the campus tour usually takes a circuitous route across campus so that you end up back in the admission office after the tour.
Students employed by the admission office usually give the tours on campus. Typically, upper class students who have been trained to give tours get this job. In most cases, unless it has been arranged in advance, the student you get for your tour guide will happen to be someone who happens to have work-study at that particular time. However, some small colleges may try to arrange a one-on-one campus tour with someone who has the same interests as your student. At large state universities, you’ll likely go on large group campus tours.
As mentioned above, your tour guide should show you some combination of the following areas of campus.
Keep in mind that it’s likely that the tour guide will show you the very best the school has to offer. They likely won’t show you the dingiest dorm room on campus or the oldest building on campus unless it’s a national treasure. (Pro tip: If you can, ask to see an academic building where you plan to take classes. That will give you an idea of what the academic buildings look like in your area of study — not just the most beautiful, updated ones that they use for showing to prospective students.)
Getting your questions answered is one of the most important parts of the college tour. The student tour guide can give you insight on life on campus, class sizes, the food on campus, dorm living, campus traditions, course availability for first-year students, diversity of the student body, extracurricular activities, professor/student interactions and other opportunities. You and your student can and should ask as many questions as you and your student can think of.
If there is an area of campus that you can’t get to on your tour but your student really wants to see, ask whether it’s possible to see it later on your visit. An accommodating admission office should make it happen before you leave.
How to Choose Your College Tour Length
Do you know that you and your child can choose your college tour length? You can! You’re not completely powerless by letting the college do all the scheduling. Let’s take a look at how to choose the length of your college tour.
Step 1: Think through an ideal tour.
Think past the entire campus visit and think very specifically about the tour itself. What does an A+ college tour look like? Does it mean seeing one of the newest residence halls? Does it mean looking at the library to see how students utilize that space?
It may be hard to visualize, particularly if you and your student have just started visiting college campuses for the first time. You simply may not have any idea what to expect. In that case, it’s okay. Think carefully through your student’s interests before you go to the next step.
Step 2: Contact the admission office.
Call up the admission office of the school your child wants to visit. Even better, require your student to call the admission office for the visit. Try not to sign up online like this because you may not be able to work in the intricacies of your child’s visit. For example, let’s say you plan to bring your child’s grandparents on campus and they need a wheelchair accessible tour. (This happened before at the college I last worked at.) Calling the admission office ahead of time allowed us to make an excellent plan for the grandparents and also allowed us to discuss the logistics of the visit with the student tour guide in advance. College admission offices are notoriously flexible, but you still want to be as forthcoming as possible.
Talk about needs and specific requests. If you think your child will want to see more buildings, for example, it’s a good idea to talk about that with someone ahead of time.
Make sure you call at least a week in advance. Colleges (particularly those putting together visits by hand, which happens at small private institutions) appreciate the lead time.
Step 3: Talk about timing.
Once your student explains what she wants to do while on campus, have her ask the admission office how much time it’ll take. If you’re under time constraints, make those known as well. You want to pack in as much value into the tour (and the visit) as possible without sacrificing quality and a little bit of down time.
If the campus visit coordinator at the admission office says that it will take four hours to complete the tour and other things your student wants but you only have three hours available, it gives you a good starting point to start to figure out how to build out the best visit under certain time constraints. Either that, or you could make more time in your schedule for the visit. Keeping everyone on the same page allows for the best situation possible. That way, there are no surprises — for the school, you or your child.
Step 4: Confirm in advance.
The admission office should send your child a confirmation in the mail, via text or through email — or a combination of all three. It’s a good idea to confirm that all the details are correct. If they aren’t, call long before the scheduled visit date so that the admission office can make the necessary corrections.
Step 5: Ask good questions while on tour.
How large a college do you want to attend? Colleges come in varying sizes, including their campus and student body. Do you want to attend a small college with a student body that’s also small, a medium-sized university or a large institution, such as a state university?
What type of college do you want to attend? There are many different kinds of colleges. You can choose to attend a liberal arts college, which is typically smaller in size and has fewer degree options. You could also choose a private or public university, which can provide more academic offerings.
How selective of a college do you want to apply to? Colleges apply different criteria to their admissions selection process. A college tour can help you gauge the academic rigor you want to face while studying. The tour can give you a good feel for how your grades and activities stack up.
What is the return on investment of this college? Even though at first, college seems to be about the dorms, friends and which major you’ll choose, your time in college passes quickly. It’s important now to ask: What is the return on investment of each college I’m touring? Is this college focused on helping me launch my career or graduate school plans after I earn my degree here?
Example of How to Choose Your College Tour Length
Here’s an example of how to choose your college tour length. Let’s say your child calls the admission office at XYZ University and finds out that it will take one hour to take a general tour of campus. However, your child wants to do a private tour of the athletic facilities. In that case, during the call to the college admission office, ask for a lengthier tour or to tack on the athletic facility tour with a coach or with another tour guide at the end of the day.
By the way, I wouldn’t recommend trying to cram two campus visits into one day.
When to Do a Tour
Think about the time of year! If you can select the best time of year to visit, you’d be amazed at the difference that makes. Visiting a college in Maine in January or a college in Florida in August might not set you up for success.
Consider the Weather
This may not really be something you can do anything about, but if you have the flexibility, choose the best weather day to go. Rain puts a damper on a college visit. If you can’t change your visit date and the weather isn’t going to be great, make sure you have the right weather gear: hats, gloves, winter coats, umbrellas, hats.
Visit When Classes Are in Session
Visiting when classes are in session is best. Let’s say you visit during the summer. You can definitely learn about admission and financial aid processes and see campuses but you and your student won’t experience the same hustle and bustle you would when school’s in session.
Choose the Right Time During High School
A popular question is this: “When’s the best year in high school to visit?”
This question is a fun one because there’s no “right” year to visit. Here are a few truths:
You and your child will have to get started sooner if she has 12 schools on her list. If she only has two, you’ll obviously spend less time on visits.
A popular time is to visit spring break of your child’s junior year.
A good rule of thumb is to visit one large, one medium and one small school.
It’s a good idea to consider your child’s maturity level and excitement about visiting schools. Some freshmen in high school are ready; some juniors aren’t ready at all.
It’s not a bad thing to get a “taste” at a young age. Some high schools do school trips to colleges during freshmen year. Some students tag along on tours with older siblings. It’s a great way to launch the college search!
During Your Tour
Student tour guides have a prescribed tour route for prospective students and families. Make sure you:
Let your student interact with the tour guide as much as possible. Don’t dominate the conversation!
Ask to see things. If something looks interesting, ask about it and ask to go in the building.
Focus on people! Buildings aren’t going to connect your student to alumni after college or help you make friends in the residence halls.
Encourage your student to talk to as many people as possible — everywhere. Students, dining hall workers, tour guides, even faculty sitting in their offices. (Your student may not feel comfortable doing that, but the more people you all talk to, the more robust your visit will be and the better overview of the college you’ll get.)
Find out what’s going on. Look at bulletin boards, campus events and pick up a campus newspaper.
Watch students and get a feel for how they interact with each other. Are they engaged and friendly? Aloof? Do they seem friendly to your student in general?
Think of other details. What are your specific needs and expectations?
Do You Have Concerns About Walking on Campus?
Worried a bit about your ability to get around? It might be hard for you or someone in your family to hoof it around campus with a group. If so, this is the time to speak up! Tell the campus visit coordinator ahead of time if you’ve got some health issues, your child’s broken her foot — whatever it is!
The admission office will make accommodations for you. They might put your whole family on a golf cart or abbreviate the tour to meet your needs. Colleges are used to accommodating families and they do it happily. Don’t be afraid to ask for physical accommodations.
Need a Wheelchair-Accessible Tour?
Explain to the admission office that you or a family member are in a wheelchair. Admission staff members will often have a specific wheelchair-accessible tour mapped out ahead of time. They’ll also ensure that your tour guide knows how to give a wheelchair-accessible tour.
Need Other Accommodations?
Think of other accommodations you might need. This could involve:
Sign language interpretation
Accommodations for a blind family member
What if the Tour isn’t Awesome Even After All that Prep Work?
Okay, so everything you do to prepare for a college visit still might not end up jiving. Pinpoint what it was that wasn’t great. Was it the tour guide who kept checking his phone? Did a professor turn you off? Was an admission counselor less than enthused?
Once your child has narrowed the college list, you may want to make return visits to schools. Your child can also do overnight visits. On these visits, plan to go to classes and interact with students. (Some colleges even offer spring programs for juniors and fall programs for seniors. Check online or contact the admission office.)
Keep a list of people’s names you interact with and let the admission office know what turned you off about the visit. If possible, have your child communicate that.
Contact anyone you know who has connections to the college to learn more about it. Maybe it was just a tiny “glitch” and the college deserves a second chance.
You Can Adjust Your College Tour Length (in Most Cases)
You’ve probably already heard the term, “You’ll never know until you ask.” It’s completely true in the case of college tours. Note also that it’s important to get your child’s boots on campus. Many virtual tours exist, but you want to make sure your child gets on campus for an on-campus university tour.
Colleges and universities may allow you to shorten or lengthen the tour depending on your needs. However, if your child wants something special or something that isn’t necessarily spelled out online, it’s important to ask.
Have your child call up the admissions office and ask about the possibilities.
Your child may be wondering, “Do you have to decline admission to colleges?”
It may not be something that they feel comfortable doing, but yes, it is customary (and thoughtful!) to let a college know that they do not plan to attend that particular school. Your child should communicate with every college and university they don’t plan to attend.
In this article, we’ll discuss what it means to decline college admissions, why you should do so and how to decline a college acceptance. We’ll even include a couple of examples of how to communicate so your child doesn’t have to think twice about how to do it.
Figuring out how to decide what college to go to is not easy. It’s a huge deal. That’s why it’s easy to focus on which college you say “yes” to rather than the other colleges on the “thanks, but no thanks” list.
When you decline college admissions, it means that your child tells colleges and universities that they plan not to attend their institution. It can involve an email to an admissions counselor or a phone call to the admissions office. In some way, your child should communicate to the college or university that they plan to go elsewhere.
When you decline admission, colleges may ask you for some information for their own research purposes, including the college you plan to attend and why you plan to attend that other institution.
Do You Need to Decline College Admissions?
Do you need to decline college admissions? Yes, your child should make sure colleges understand that they will not attend their institution. It helps both the colleges and your child (and you!) get reoriented on the next step in the process.
It’s important to note that it’s not an absolute requirement to let colleges know that your child won’t attend for the semester for which they are applying. However, declining admissions officially reflects well on your character. It gives your child an opportunity to thank the college despite the fact that they will not attend.
For example, the college can focus on individuals who do want to attend their institution and you and your child can focus on your next step. Think of declining college admission as clearing space in your calendar, cleaning out a stuffed closet or a cluttered desk.
Ultimately, it’s really rude to not decline admission and allow the college to keep contacting your student when your child knows they aren’t planning to attend. It can save lots of time and energy on everyone’s part — it can help everyone save on emails, mailings, phone calls, personalized messages, trips, etc.
Let’s expand on the previous paragraph a bit and look at several reasons to decline admissions to colleges, including from the college’s perspective as well as yours.
Reason 1: It helps the college understand their incoming class.
Colleges want to get a sense of how their classes are shaping up. The earlier your child can provide that information, the better. If your daughter knows for sure that she won’t attend University X in November, encourage your child to communicate with the college.
They need to shape the incoming class as much as they possibly can, and if you decline admissions, you might even open up a spot in the class for the next person. Why not pay it forward by making the next person in line extremely happy?
This may be one of the best reasons to tell colleges that your child doesn’t want to attend! You stop getting mail, emails and more. Your child can even communicate the information prior to beginning the application process with a school.
For example, let’s say College A begins sending information, unprompted, to your child. If your child has no interest in College A, she can send a quick message letting the college know that there’s no chance of her attending that school.
Reason 3: Colleges stop personally contacting your child.
Some colleges have robust texting and phone call communication processes, particularly small colleges and universities that must distinguish themselves among large amounts of competition.
Coaches and other individuals who have been recruiting your child for a specific program will also stop contacting them. Kindly communicating a child’s disinterest in the program can help coaches and other recruiters focus on the new class of incoming students.
Reason 4: You can move forward.
Both you and your child can move forward with the admission process. That may mean focusing on visiting other colleges, applying at other schools, writing supplemental essays and applying to scholarships at the schools in which your child is interested.
How to Decline College Acceptance
Do you know how to reject a college acceptance, exactly? It’s totally understandable if you don’t have a roadmap for how to help your child let a college know that they don’t want to attend.
So, how exactly should your child do so? First of all, I encourage your child to reach out — not you, as the parent. It’s a good lesson in growing up and taking on more responsibility in making life decisions.
Let’s take a look at the next steps.
Step 1: Check the acceptance letter for exact steps.
Many schools include the exact steps your child needs to take to decline acceptance. Dig out the acceptance email or letter to find out whether those steps are listed. This process may end up as filling out a super easy form to decline the offer of admission. If that’s the case, great!
However, this approach is a very transactional experience and fully ignores any relationships built throughout the process. Individuals who work with your child throughout the process may feel slighted if all they get is a form in the mail that states that your child will not attend the school.
Step 2: Locate the contact information for the admissions office.
Every college or university admissions office has a section on their website that outlines the contact information for your child’s particular area. After all, you want to make sure your child’s email or letter gets to the right person!
If your child worked one-on-one with someone in an admissions department at a particular college, locate that person’s contact information. Ultimately, having your child contact the admissions department is the best place to start.
Step 3: Talk to your child about politeness and courtesy.
Learning how to decline a college acceptance may not feel intuitive to your child at all. However, it’s important to talk about clarity, conciseness and being kind. Your child should offer thanks for the offer, but clearly note that you plan to decline the college’s offer.
Warn your child to steer clear of rudeness, snideness or condescension in their communication, even if your child had a negative experience with the college that changed their mind about the institution. Declining a college acceptance politely keeps the door wide open for later — remind your child that they may not like the college they end up choosing and may want to transfer later on.
Step 4: Have your child send an email or letter.
Your child has a few different avenues to pursue an admissions decline. Encourage your high schooler to send a formal letter or email, and if they have a personal connection with someone at the college, they may want to make a phone call instead for a personal touch.
If your child has been working with a particular coach or another individual at a college over the course of a few months, the coach likely deserves the courtesy of personalized communication with your child.
Step 5: Decline admission by May 1.
May 1 is National Decision Day, which is the cutoff date for making a college decision. Does this mean you have to wait till May 1 to notify a school you won’t attend?
Absolutely not. The sooner you know, the better. However, don’t rush the decision. You want to make absolutely sure that you weigh all the pros and cons. You will have to submit an enrollment deposit once you make a final decision about which college to attend.
Example of How to Decline College Acceptance
Let’s take a quick look at an example of how to reject a college acceptance through an email or snail mail.
Your child’s name
Your child’s address
City, State ZIP
November 18, 2022
City, State ZIP
To whom it may concern (or name of admissions professional):
Thank you so much for the offer of admission at University Y. However, I plan to accept an offer from a different institution.
Thank you for the ongoing communication, personal notes and phone calls that assisted me in making my final decision.
All the best,
Your child’s name
Your child can eliminate the address information to turn it into an email. As you can see, it doesn’t have to be long — it can be short and sweet and to the point.
Will Colleges Continue to Get in Touch?
Colleges and universities should stop contacting your child after an email or letter gets sent once you know they are no longer interested.
Declining College Offers is Polite
If your child asks, “Do I have to decline college offers?” say yes. Have your child send a letter to the college or admissions department thanking them for their offer and declining. Encourage your senior to send a personalized letter if they have a personal connection with someone on campus.
How long do admissions officers read applications? More specifically, how much time do admissions officers spend on each application? You may wonder who sees your child’s application, how long they look at it and how they make a final decision.
The short answer is that it depends on the school, and a lot depends on the selectivity of the institution. All schools take a look at the application, but the rigor of the institution can dictate the amount of time spent reviewing it. For example, if your child applies to a highly selective institution, the application may go through at least two readers and a final committee. All told, between the first round of readers and the final committee, the application might get 15 minutes of attention from each round.
Admissions readers have a lot of applications to read and a finite amount of time to do it in, which is why your child’s application has to be a slam dunk.
In addition to answering the question, “how much time do admission readers spend on each application?”, we’ll also walk through where the application “goes” after it enters the college admissions process “tunnel.”
Once the application has been submitted, people take the time to review applications. Colleges often hire seasonal readers to work up to full time during what admissions professionals call “the reading season.” These admissions readers review prospective student test scores, transcripts, essays and other relevant admissions criteria to help make decisions about admissions candidates. Readers use a customer relationship management (CRM) system to manage the process. Students get admitted based on that particular college or university’s enrollment goals.
The College Admissions Reading Process, Step by Step
Let’s take a look at the college admissions reading process, step by step, so you know what to expect. We’ll answer the question, “How do admissions officers read applications?” We’ll also touch on the amount of time admission readers take a look at the application.
Step 1: The college screens and sorts applications.
When the college receives a senior’s application, each college likely has a specific process for handling them. Many colleges import the information on the application and input it directly into the college’s CRM system.
(Fun fact: When I first started in admissions, our data team printed out the applications and checked them against the computer system — yes, we were still using physical files! Once our data team checked them over and ensured that the CRM matched the application, the file was ready to go onto the next step.)
The appropriate admissions officer will then receive the application. Admissions counselors have a region that they handle. For example, one admissions counselor will handle applications from the state of Colorado. If your student lives in Colorado, that admission counselor will handle your high schooler’s application.
Step 2: Admissions readers read applications.
Admissions readers then take on the process from there, usually in collaboration with the regional admissions counselor. How many admissions officers are there? It depends on the school, but admissions readers often work in pairs.
On the first pass, a new application may get a 10- to 15-minute review from that part-time hired application reader or another individual at the college or university. This leads to an understanding of the competitiveness of a candidate. Based on this first pass, they will give a recommendation about each candidate, entering in detailed information into the college’s CRM for each applicant. Admission readers may read 50 applications per day, moving methodically through a laid-out process.
Do admissions officers read all essays? The truth of the matter is that some schools have the application go directly to the final committee, whereas other (selective) colleges might read an applicant’s application again before it goes through the final phase.
Is this process subjective? Of course. Admission readers, while they have been trained in the requirements for admission to that particular institution, they obviously have biases and preferences when reviewing candidates for admission. A second or third round can offer another analysis and offer a more diversified view of the applicant. However, some universities, which have more qualitative processes, may push the applicant through to the “acceptance” stage without going through another round of reviews.
Step 3: A committee takes a look at applications.
Depending on the school, the college or university may not send applications to the “committee.” For colleges and universities that do send applicants to a committee, an official committee group may include a senior admissions official or two, an academic representative and other committee readers designated by the college or university. They will take a look at a rubric or notes in the CRM created by the reading process prior to the committee review.
This process will take about 15 minutes or so and a final decision will come out of the final committee meeting.
Step 4: The final decision occurs.
Once the process concludes, naturally, your student will get a final decision.
How long does it take to get a final decision? It depends on the type of admission at a particular college or university. Check out the eight different application types as well as a basic summary below:
Regular admission: Regular admission deadlines typically occur in early January and admission offers are sent in late March or early April. Students will have to decide by May 1, the National Candidate Reply Day.
Rolling admission: Students get an admission decision quickly, typically within two weeks, instead of sending out acceptances all on one date. Like regular admission, your student will need to decide whether to attend a “rolling admission” school by May 1.
Open admission: Colleges accept high school graduates in the incoming class until all spaces fill up. Community colleges typically use this type of admission and you get a decision quickly.
Early action: Early action, which is nonbinding, means your student has the option to submit an application before the regular deadline and you get a decision earlier than usual, typically in January or February.
Early decision: Early decision is binding, which means you must attend that college. You typically apply early (usually in November) and usually get a decision by December.
Single-choice early action or restrictive early action: This nonbinding option requires you to not apply to other schools during the early action period. You’ll apply early and hear back in December.
How to Get a Admission Reader’s Attention
So, how long do colleges look at applications? Let’s take a look at it this way: How can you get an admission reader’s attention quickly? Consider that they may only spend 30 minutes total with your application from start to finish.
Get their attention by personalizing your application. Tell your own unique story in an engaging way. Many colleges request you to write supplemental essays. You can add intricate details about yourself through these supplementals. Here are a few examples:
Describe how you plan to pursue your academic interests and why you want to explore them at University X specifically. Please feel free to address your first- and second-choice major selections.
To tell us more about yourself, please complete the following sentences using only the space provided:
If I could travel anywhere, I would go to…
The most interesting fact I ever learned from research was…
In addition to my major, my academic interests include…
My favorite thing about last Wednesday was…
When I think of diversity, I think of…
Something you might not know about me is… Describe the unique qualities that attract you to the specific undergraduate College or School (including preferred admission and dual degree programs) to which you are applying to University X. How would that curriculum support your interests?
Everyone belongs to many different communities and/or groups defined by (among other things) shared geography, religion, ethnicity, income, cuisine, interest, race, ideology or intellectual heritage. Choose one of the communities to which you belong, and describe that community and your place within it.
Prior to applying, it’s important to know the answer to “how long do colleges spend on each application?” It’s also important to figure out how to communicate your unique qualifications. Take every opportunity to convey exceptional talents, alumni legacies, how you will fit into the academic department that you are applying to and more.
If you’re curious about the admissions process at a particular college or university, you can ask. They may offer a detailed explanation or may also just give you a general explanation of how the admission process works.
Do admissions officers read applications?
Yes, admissions officers do read applications. The admission office of a particular college or university may also hire remote or in-office seasonal readers to read applications during the admissions “reading season.”
That’s why it’s important for your student to put their best foot forward with the application — they should do the best they can to personalize the application, particularly with any supplemental essays required by the institution. This gives them an opportunity to showcase their unique personality and qualifications.
How many essays do admissions officers read a day?
Every admissions office has a goal for the number of essays that must be read during any given week. However, college admissions officers and admission readers may read approximately 50 applications per day, spending approximately 15 minutes per application.
Do admissions officers actually read essays?
Yes, admissions officers do actually read essays, but they might have already screened candidates first in a preliminary round. Every admissions office has a different process and it’s impossible to sum up the exact step-by-step process for each admission office in one blog post.
When you’re taking a look at the full costs of college, room and board happens to be part of the cost of attendance. But what is room and board, exactly? What does room and board include in college? How does it fit into the overall costs?
These are great questions. Taking care of college costs may be one of the most expensive (and one of the most important!) experiences you’ve ever paid for, and in this situation, you may feel as if you have to take an X-Acto knife to your budget to pare as much as possible from it to make room and board payments.
In this article, we’ll dive right into room and board meaning as well as answer the question, “What does room and board include in college?” We’ll also cover how to learn the cost of room and board, whether you have to pay room and board (and how to pay for it!). We’ll also walk through steps to make it less expensive.
Room and board: Quite simply, it refers to the roof over a student’s head (room) in the residence hall and the food a student eats at college (board). Besides that, what are the fringe benefits? What is included in room and board?
As you might imagine after taking visits to colleges, your child will encounter a wide variety of types of residence halls or “dorm living” — large rooms, small rooms, residence halls for solely first-year students, others that are more apartment-style living. Some schools have required residential living on campus.
College rooms typically come furnished with beds, desks, chairs, bookshelves, dressers and closets, not to mention lounge spaces, restrooms, electricity, heat, and internet access. You may have to pay more for fancier on-campus digs, which might include flashier apartment-style living and amenities like fitness centers.
Check the differences between costs of various housing options on campus. The admission office or financial aid office should be able to help you and your child iron out those specific costs.
What is the “board” in room and board?
“Board” refers to a meal plan, or a pre-set number of meals you can purchase prior to the start of an academic semester in college. Colleges also have a wide variety of meal plan options that are preloaded on an ID card. Many meal plans at many colleges offer meals for seven days. For example, a student might choose from a 13-meal plan, where they get 13 meals throughout the week, or a 20-meal plan, where they get 20 meals throughout the week. This is typically called a standard/basic meal plan.
However, students may be able to choose from a much smaller meal plan, such as seven meals per week. Note that some schools do not allow students to opt out of the meal plan, particularly if schools have a residential requirement.
Some schools even offer unlimited meals, but most function as a per meal/swipe limit or a point plan.
Per meal/swipe plan: The per meal/swipe plan allows your child to swipe every time to use up their allotment. For example, your may use a “swipe” for a granola bar or a huge buffet meal — they would “give up” that swipe, no matter how little or how much they eat.
Point plan: Purchasing meal points means that you purchase a certain number of points ahead of time and points get deducted from the “collection of points.” For example, if your child eats that granola bar for lunch, it would “cost” them fewer points than the big buffet meal.
How Do You Learn the Cost of Room and Board?
Most schools list room and board right on their websites, so you don’t have to guess where the “room and board” comes in among the other costs. It is embedded in the cost of attendance at most schools.
Schools typically list the tuition, required fees and other parts of a financial aid award very clearly and in order on their websites. Some people call this the “cost of attendance” (COA), which also includes room and board. In addition to room and board, COA estimates other educational expenses such as:
Yes, you have to pay for room and board. Naturally, the total cost of room and board depends on the type of campus housing and the food plan your child chooses. The cost of living on campus, according to the most recent data (for 2020 to 2021) from the National Center for Education Statistics, was $6,897 for all institutions. On average, the board for colleges cost $5,335 for all institutions during the same timeframe.
How do you find out your COA? You can find out the total cost of attendance on the school’s website. However, you can drill in deeper and use a net price calculator, which gives you a more accurate cost of the college aligned with what it will cost your child based on your personal financial situation. You can find a net price calculator on every college and university website — it’s required by law.
How to Pay for Room and Board
Let’s take a quick look at how to pay for room and board from the standpoint of truly understanding your child’s financial aid award. We’ll also help you get an idea of the different types of financial aid opportunities available to your child, including scholarships, grants, loans and work-study.
Step 1: Understand the financial aid award.
One of the most important things you can do: Understand the financial aid award from top to bottom. It’s important to have a firm grasp on how much a particular school will cost.
Sometimes, various types of aid get lumped together. For example, it might look like your child has received a huge financial aid award, but when you peel back each layer, you may realize that a few of those “awards” are actually loans. Some schools also work-study as part of the award calculation. I’m really not a fan of this tactic because it looks like you get a guaranteed lump sum of money, but that’s not true — your child must earn work-study money by working a job on campus.
In addition to that, some financial aid awards do not include the total cost. When financial aid awards don’t publish the total cost right on the financial aid package, you might have to do a little digging. Look carefully at a school’s costs page online, or better yet, call, to be absolutely sure that you’re considering all costs, such as lab, orientation, athletics, campus, transportation fees, etc. You may not find out about these “nasty” surprises till later.
It’s also a good idea to consider the fees and interest rates for loans. Use an interest rate calculator to get a sense of how much it will cost you for sure. Finally, remember that colleges also implement tuition increases each year but scholarships don’t always increase as tuition increases.
Ultimately, it’s important to really understand the full figure and what to expect.
Step 2: Apply financial aid toward room and board.
How does financial aid award actually work? You get a round COA, then apply individual situations to it. Specifically, this means that you apply scholarships, grants, work-study and loans to it. Therefore:
Cost of attendance (COA) – Financial aid = Your final costs
Filing the Free Application for Federal Student Aid (FAFSA) will get you started in the right direction. This means that your child will be considered for federal student loans, federal work-study and federal grants. I encourage every family to file the FAFSA no matter what, because you may be able to chip away at the costs using federal aid. Items such as work-study will not go on your child’s financial aid award if you don’t file the FAFSA. You must file the FAFSA in order to qualify.
Consider housing assistance grants. Some states offer housing expense grants for students, and it’s important to recognize that grants do not need to be repaid. Funding can depend on your state and your child’s school. Housing grants may require an application, including filing the FAFSA. Check with the financial aid office at schools, state department of higher education or more.
Search for scholarships (including throughout college). Your child does not need to pay scholarships back (just like grants), but they can help cover the cost of room and board. Students can find scholarships through a wide variety of means, including through a college or university, through your local community (through clubs, organizations, religious groups, etc.) Need-based and merit-based scholarships can help you pay for room and board. Your child can also apply for scholarships throughout those college years — they’re not limited to just scholarships they get during their senior year of high school.
Consider loans: Loans can help your child pay for college. Federal student loans give your child the best bang for their buck because they have the lowest interest rates and give them opportunities for forgiveness as well as other flexible repayment options such as income-driven repayment. Here are a few types of federal student loans you may need to be aware of:
Direct Subsidized loans: The government pays the fixed interest rate (which means the interest rate doesn’t change) on need-based Direct Subsidized loans when your undergraduate child stays enrolled in college at least part time. Your child will also receive a grace period before they need to repay their loans after graduation.
Direct Unsubsidized loans: The government does not pay the fixed interest rate on non-need-based Direct Unsubsidized loans, unlike in the case of Direct Subsidized loans. Unsubsidized loans go to undergraduate and graduate students.
Direct PLUS loans: As a parent, you can take out a PLUS loan to pay for education costs when you need to pay for “the rest” of college costs. Graduate students can also take out PLUS loans for graduate school. However, you must have a decent credit score in order to qualify.
Private student loans: If your child still needs more money to pay for college, they can tap into private student loans. They can have fixed or variable interest rates and various loan terms (which refers to the length of the payback period) but these rates may be higher than federal student loans. Your student also cannot access privileges related to forgiveness or other types of income-driven repayment plans with private loans.
Step 3: Consider other options.
It’s possible to think outside the box here. In many situations, your child doesn’t have to live on campus. If you and your child pencil out the costs and you find out that it’s cheaper to live off campus, it might actually be a good idea to approach an off-campus living situation.
Your child may also want to look into becoming a resident advisor (RA) in their second year of college. An RA is the leader of a portion of a residence hall, which means that they might mentor a handful of first-year students and help them get used to residence hall living. They might play games with them, organize on-campus group meals and oversee the behavior of residents on that floor. RAs typically receive free or discounted room and board. The amount of the discount varies from school to school.
In many cases, student RAs must maintain a certain GPA and continue to make academic progress throughout any given semester.
Step 4: Pay the bill for room and board.
Finally, the last step involves paying the final bill for room and board. Most colleges send the first semester tuition bill prior to the start of the academic year, like in July. You may also consider opting for a monthly payment plan, which divides up the months of the year that your child will attend school or spreads them out over the course of 10 or 11 months.
Make sure the school’s financial aid award captures the correct scholarships and other aid (particularly outside scholarships) before you pay the bill.
Is it Less Expensive to Live On or Off Campus?
At first glance, the cost of living off-campus may seem cheaper than room and board, but by the time you add up the additional costs, such as furniture you have to purchase, utilities, and purchasing your own groceries, you may get close to the cost of paying for room and board.
Iron out all the expenses between both with your child. It’s your child’s first foray into adulthood and it’s important to remember that some kids need the residence hall environment for a few years — some students are not yet ready for apartment living.
How to Make Room and Board Less Expensive
You likely have a little bit less maneuverability when saving on room and board in a residence hall because there aren’t dozens of ways to cut back. Your child’s only options may involve choosing a less expensive meal plan (which likely involves fewer meals) or a lower-cost dorm room.
However, there are quite a few ways your child can reduce expenses if they choose to live off campus:
Put together a budget to monitor daily expenses.
Get a roommate to share expenses.
Choose lower-cost groceries or clip coupons and limit going out to eat.
Cancel cable and opt for lower entertainment costs.
Save on utilities (wear a sweater instead of turning up the heat) and turn out the lights.
Choose a lower-cost apartment with fewer amenities.
Shop for cheaper internet.
Use public transportation.
Limit use of credit cards.
Brew coffee at home.
Encourage your child to get creative about saving money — college students are notoriously creative.
It’s Possible to Save Money on Room and Board
You can save money on room and board. It’s a good idea to compare costs by considering the answer to “What are room and board expenses?” and comparing on- and off-campus options side by side.
Furthermore, encourage your child to get as many scholarships and grants as possible, money that they don’t have to pay back.
Do college scholarships pay for room and board?
Yes, college scholarships pay for room and board. When you get a financial aid award, most money gets applied toward both tuition, room, board and fees, with the exception of certain scholarships such as full-tuition scholarships, which only apply to tuition.
Does room and board count as tuition?
Room and board is not the same as tuition. Tuition refers to the costs you pay for classes. Tuition varies from college to college, just as room and board varies from school to school. These costs can vary widely. For example, a liberal arts college may cost far more for tuition, room, board and fees than a community college.