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How to Prepare for Unexpected and Hidden College Costs

How to Prepare for Unexpected and Hidden College Costs

College costs don’t stop at tuition, room and board. If your student is just beginning their college journey, you may think you’ve accounted for all your expenses, but surprise costs can creep up and throw your budget off track. From one-time fees to recurring out-of-pocket expenses, students often encounter bills they didn’t see coming.

This guide helps you understand which costs to watch for and how to prepare for hidden costs of college. By the end, you’ll know how to plan for the unexpected, make smarter financial decisions and tap into the right resources to stay on track.

Why College Budgets Often Fall Short

Even when you plan carefully, some expenses can catch you off guard. College cost calculators and brochures often overlook less obvious fees, making it easy to underestimate your actual expenses.

Hidden Fees Add Up Fast

Schools may charge mandatory lab fees, tech fees, student activity fees or course-specific surcharges that aren’t clearly outlined in your bill. These can range from $25 to over $200 per class.

If your child takes a biology course with lab requirements or a graphic design class that uses professional software, you could be responsible for additional access fees. These charges usually show up after registration, making them hard to budget in advance.

Living Costs Shift From Semester to Semester

A change in your child’s meal plan or housing situation could increase your out-of-pocket expenses without warning. For example, if your student’s dorm closes over a break or their lease starts late, they might need temporary housing or dining options.

Likewise, inflation affects everyday costs like groceries, transportation and hygiene items. These often get overlooked in initial college planning conversations, even though they add up quickly.

Unexpected Medical Visits and Prescriptions

Most campus health centers offer basic services, but some visits, like emergency care, lab work or prescriptions, may require out-of-pocket payments. If your child visits an off-campus provider or requires ongoing care, you may be charged the full price or be required to meet a deductible.

Don’t assume your insurance covers everything. Review your health coverage before arriving on campus and understand the cost of care at local clinics and pharmacies.

Mental Health Services Can Be Limited

Many schools offer a limited number of free therapy sessions. But if your child needs more support, they may be referred off campus. Those appointments can cost $75 to $150 per visit or more.

According to the American College Health Association, nearly three in four students report moderate to serious psychological distress during college. It’s important to budget for mental well-being, especially during high-stress periods like midterms or finals.

Day-to-Day Costs You Might Not Expect

Once classes begin, it’s the everyday spending that often surprises students the most. These recurring costs can affect how long savings lasts.

Transportation and Travel Expenses

Whether your child commutes from off campus or travels home for breaks, you’ll likely spend more than you expect on transportation. Costs can include:

  • Bus or subway passes
  • Gas and car maintenance
  • Parking permits or tickets
  • Rideshares or rental cars during holidays

A single round-trip flight home during a school break can cost $300 or more. Booking at the last minute or during peak times only increases the cost. Consider adding travel costs to your yearly budget upfront to avoid surprises later.

Books, Supplies and Tech Gear

While used books and digital rentals can lower textbook costs, some professors require new editions or digital access codes that are only available through the publisher. These often cost $100 or more per course.

Other overlooked costs include:

  • Notebooks, folders and printer paper
  • Lab goggles, calculators and specialty materials
  • Laptop repairs or software upgrades

Most students can’t afford to delay tech fixes. If their laptop breaks, you’ll need to replace or repair it quickly. A good safety net for tech-related emergencies is essential.

How to Plan Ahead for the Unexpected

Rather than reacting to financial surprises, take steps to stay ready. The more flexibility you build into your plan, the more confident you’ll feel navigating college finances.

Add a Buffer to Your Budget

One of the easiest ways to stay prepared is to include a buffer — ideally $500 to $1,000 per semester — into your budget. This can cover unexpected fees, travel, or health-related needs.

If you don’t use your buffer, roll it into the next semester or move it into an emergency fund. You’ll be glad it’s there when something unplanned comes up.

Track Your Expenses Weekly

A written or digital budget is only effective if you update it consistently. Use free tools like Mint, YNAB or even a simple Google Sheet to track what you planned to spend, what you actually spent, and categories going over budget.

Tracking weekly helps you catch patterns early and adjust before things spiral. It’s a smart habit that builds financial awareness over time.

Make Income Part of Your Plan

Relying only on savings or financial aid can leave you vulnerable when new expenses arise. Adding a steady source of income — even a small one — gives you more flexibility and control during the school year.

You can also earmark part of your regular income to put toward college.

Have Your Child Look for On-Campus Job Opportunities

Campus jobs are ideal for students because they’re designed around academic schedules. Positions like working in the library, staffing the front desk in a residence hall or assisting a professor with research offers steady income without heavy time commitments. These roles also eliminate the need for commuting and can build skills that support your child’s future resume.

Begin looking for student jobs early each semester. Most schools post openings through internal portals or their career center. If your financial aid includes work-study, focus on those roles first. They typically have guaranteed hours and are reserved for students who meet need-based eligibility.

Explore Flexible Off-Campus or Remote Work

If your child doesn’t qualify for work-study or wants more flexible hours, consider off-campus roles or remote gigs. Local businesses often hire part-time help during evenings or weekends, and online platforms now make remote work more accessible.

Your child can do tutoring, freelance writing, social media management or online customer service jobs, which they can do from anywhere with an internet connection. These roles often allow them to work around their class schedule and choose their own hours. Just be sure the job doesn’t interfere with their academics — income should support their goals, not compete with them.

Use Income Strategically, not Spontaneously

It’s easy to treat income as spending money, especially when your child feels suddenly rich after getting paid. But using your paycheck wisely builds long-term security. Set aside a portion of each paycheck for emergency savings, textbooks or recurring monthly needs like groceries and transportation.

Saving just $25 a week can go a long way. Over a semester, that could cover an unexpected flight or a medical expense. Developing this habit early lays the foundation for smart financial management after graduation.

When You Need Extra Help: Funding Options that Work

Even with good planning, some costs may exceed your resources. In those cases, it’s important to know your funding options and choose the most responsible solution.

Talk to Your Financial Aid Office First

Before turning to private loans or credit cards, contact your child’s school’s financial aid office. 

Many colleges offer:

  • Emergency grants for urgent needs
  • Short-term loans with zero interest
  • Additional work-study opportunities

These resources are designed to help students stay enrolled. You may also be eligible for a financial aid reevaluation if your family’s situation has changed since filing your FAFSA.

Personal Loans Can Offer Short-Term Support

A personal loan can help cover urgent costs like a broken laptop, unexpected travel, or emergency medical care. These loans are usually unsecured and offer fixed repayment terms, so you know exactly what you owe each month.

Many lenders now offer student-specific personal loans or allow a parent co-signer to help students qualify. These are often designed to be more accessible, especially for borrowers without a long credit history. If you’re exploring easy loans to get, start with lenders that advertise student-friendly requirements and simple online applications. Just be sure to read the fine print.

Before applying, compare:

  • Rates
  • Repayment terms
  • Fees and penalties

Make sure the loan solves a problem, not creates a new one. Avoid borrowing for discretionary expenses like spring break trips or concert tickets.

Scholarships Aren’t Just for Incoming Freshmen

Scholarships aren’t limited to new students — many are available to current undergraduates, especially after their first year. 

Departments often offer awards for students who excel in a particular major or meet specific criteria. Your child may also find scholarships through professional associations, nonprofit groups or local businesses.

Stay organized by setting a monthly reminder to search for new scholarships. Ensure your child writes strong personal statements and keep a list of accomplishments or leadership roles to reuse in applications. 

Even a $500 scholarship can reduce your child’s need to borrow or cover surprise costs that pop up mid-semester.

Crowdfunding and Community Support Can Help in Emergencies

Crowdfunding isn’t a long-term fix, but it can be a lifeline in urgent situations. For students dealing with sudden medical costs, housing issues, or other emergencies, platforms like GoFundMe or university-run hardship funds can offer quick, meaningful support.

Be transparent about your needs and explain how funds will be used. Friends, family or members of your community may want to help but don’t know how unless you ask. Some schools also maintain alumni-funded emergency grants. A quiet conversation with a trusted staff member in the financial aid office could lead to unexpected support.

Read more: Why is College So Expensive?

Build a Long-Term Plan that Works for You

College can be unpredictable, but that doesn’t mean your finances have to be. A good long-term plan keeps you prepared and in control, no matter what comes your way.

Review and Update Your Budget Each Term

Your child’s needs will change from semester to semester — a new job, different class load or a move to a new apartment will affect their spending. Review your budget at the start of each term to add new expenses, adjust categories that went over last term and set new savings goals.

Make budgeting a habit, not a one-time activity. Treat it like checking your child’s grades or submitting assignments — part of the routine.

Get a Job

Summer jobs or internships are a great opportunity to grow your child’s savings. Even setting aside $20 to $30 per week adds up quickly. Use that money to: 

  • Refill the emergency fund
  • Pay off a small balance from last term
  • Buy needed tech or supplies in advance

Your future self will thank you when the next surprise hits and you’re ready.

Automate Your Savings Where You Can

Setting up automatic transfers helps you save consistently without thinking about it. Many banks and budgeting apps allow you to schedule small transfers weekly or after each paycheck. Automating even $10 per week builds discipline and removes the temptation to spend it elsewhere.

If you have multiple accounts, set aside one just for emergency savings so you’re less likely to dip into it casually.

Know Your Financial Aid Renewal Deadlines

Many students lose grants or aid simply because they miss paperwork deadlines. Make a calendar of key dates each semester — including FAFSA renewal, scholarship applications and school-specific forms. 

Missing even one deadline can mean losing thousands of dollars in aid. Keep your paperwork and login credentials organized, and reach out to your child’s school’s financial aid office if you’re unsure when or how to submit.

Staying Financially Ready Starts Now

Unexpected expenses are part of the college experience, but they don’t have to derail your progress. Planning ahead, staying flexible and knowing where to turn for help can make all the difference.

You don’t need to anticipate every single cost but you can build a mindset and system that absorbs financial shocks instead of crumbling under them. Whether it’s a tech emergency, an off-campus housing challenge or a health-related expense, the key is to stay informed and act early.

If you haven’t already, now’s the time to build your buffer, review your coverage and update your budget. A small step today could prevent a big setback tomorrow.

Parents: Why Buying Property Near Your Child’s College Could Be a Smart Financial Move

Parents: Why Buying Property Near Your Child’s College Could Be a Smart Financial Move

College in 2025 isn’t getting any cheaper. Whatever your goals, it’ll come with a hefty price tag, including housing. Students now face steep monthly rents on top of tuition costs. Add it all up, and the total can feel overwhelming fast.

Buying a house for your child campus can be a smart financial move when your child’s in high school (or before). It can offset housing costs, build long-term equity and even generate rental income while your child is in school.

We’ll walk through the reasons buying property near your child’s school could be a smart financial move.

Why Buy Property Near Your Child’s College?

Buying a place to live during college might initially sound a little extreme, but hear me out. It’s not just about ditching cramped dorms or avoiding ever-climbing rent prices. Owning a home near your child’s campus could make you money while your child studies. Sounds wild, right? Let’s break it down.

Can Potentially Make Money

According to Rent.com, the average cost to rent a single room in a student apartment ranges from $700 to $1,200 monthly, depending on the area. This means that if you rent a three-bedroom condo for your child, they can live in one room and you rent out the other two for $900 each. That’s $1,800/month in rental income.

Your total monthly mortgage, property taxes, and insurance are about $2,000. That means your child’s roommates cover 90% of your housing cost. That income may cover the entire mortgage or give you some profit.

For comparison, how much does it cost to live on campus? For example, next year, the University of North Carolina Chapel Hill will cost $8,570 for housing and $6,468 for food for a total cost of $15,218 for that year (not including the next three years or more). 

Strong Real Estate Value

But the upsides don’t stop there.

College towns usually have strong real estate value. A 2023 National Multifamily Housing Council report found that most college towns maintain occupancy rates of 95% or higher and experience less volatility than big cities. As property prices rise, you build equity — aka, long-term value. So by the time your child graduates, you’re walking away with an appreciating asset.

Translation: Student housing demand stays strong year after year. Even a modest 3% annual increase means a $200,000 condo could be worth $231,800 in just five years.

Real estate strategist Seth Williams of Reference Real Estate says, “Buying property near a college campus is one of the smartest long-term plays in real estate. You’re locking in stable housing costs while tapping into a built-in demand stream — students.”

So instead of burning money on rent every month, you could build wealth and create passive income while your child attends classes.

Housing Cost Stability

One of the biggest perks of buying a home: No more surprise rent hikes.

Landlords often increase your rent every year. However, when you possess a home with a fixed-rate mortgage, your monthly housing costs stay predictable, making budgeting easier. (No rush to handle a sudden $200 rent increase next semester: Score!)

Consistent rental income from your child’s roommates can also offset a good chunk of your monthly mortgage, giving you even more financial breathing room.

Tax Benefits

Talking about taxes is not exactly thrilling, but it’s very rewarding when you know how to play it smart. Owning property while in college can actually come with some surprising perks:

  • Mortgage interest deduction: If you take out a mortgage to buy a home, you could deduct the interest paid on it from your taxable income. This matters because in the early years of your mortgage, most of your monthly payment goes toward interest, not the actual loan.
  • Property tax deduction: Owning the property means paying property taxes. But guess what? You might be able to deduct those, too.
  • Depreciation: As a landlord (yep, that’s you if you’re renting out rooms), the IRS lets you “depreciate” the value of your property over 27.5 years even if it goes up in value. Let’s say the rental portion of your property is worth $150,000. You might be able to write off about $5,455 a year as a “loss” on your taxes while still making rental income. 

Low Down Payment Options

Think you need 20% down to buy a place? Nah, that’s a myth.

If you qualify for an FHA loan, you could purchase a home with just 3.5% down. Some first-time buyer programs even offer 3% down through conventional lenders.

Additionally, there are down payment assistance programs available.

Cons of Buying Property for Your College Student

What are the downsides of purchasing property near your student’s college? Let’s take a look at the other side of the coin.

Upfront Costs

Upfront costs are no joke. You’ll owe quite a bit of money in upfront costs:

  • Down payment (between three and six percent of the overall amount)
  • Closing costs
  • Inspection fees
  • Appraisals
  • Move-in upgrades

It adds up fast.

And this is before you even buy furniture or start paying the mortgage. It’s important to note that rent costs way less upfront!

Time Commitment = Real

Owning a property is like having a part-time job. Even if you hire a property manager (which costs $$), you’ll still be involved in the following:

  • Collecting rent
  • Managing utilities
  • Coordinating repairs
  • Finding new tenants every year

That’s a lot to juggle.

Vacancies = Lost Income

Let’s say you’re banking on roommates to cover your mortgage. Cool.

But what if your child can’t find someone for summer break? Or someone suddenly moves out?

It’ll suddenly be your mortgage payment. Even one empty room for a few months can significantly impact your entire budget.

Tax Headaches

Sure, we mentioned all those sweet tax perks earlier. But you have to understand the tax code. Or pay someone who does. Depreciation, rental deductions, 1099s, capital gains are all a lot to learn.

Tips to Make the Decision Worth it

If you don’t want to waste your investment and make money, here are a few tips.

Buy the Right Kind of Property

Don’t go for the biggest or fanciest place on the market. Look for something low-maintenance, close to campus and easy to rent out. Think: Three-bedroom townhome or condo with solid resale value.

Rent Out Extra Rooms

Let your child live in one room and rent out the others. Let your roommates help cover the mortgage, maybe even all of it. That’s called house hacking, and it’s one of the smartest ways to build wealth.

Do the Math Before You Buy

Break down the numbers: mortgage, taxes, insurance, repairs. Compare it to what you’d pay for rent. If it doesn’t save you money or make you money in one to two years, it might not be worth it. If your child will only stay in the home for a year, buying might not make sense. But if they’ll be around for three to five years, that’s enough time to build equity, make rental income, and watch your property appreciate.

Set Aside an Emergency Fund

Stuff breaks. Tenants flake. Life happens. Have a cushion for surprise expenses like plumbing, pest control or a gap in rental income.

Learn the Basics of Taxes and Ownership

You don’t need to become a CPA, but you should understand property taxes, insurance, write-offs, and how to report rental income. The IRS gives you perks if you know how to claim them.

Plan Your Exit Strategy

What happens after graduation? Will you sell it? Keep renting it out? Will your student continue to live in the house? Knowing your long game makes it way easier to decide if buying is worth it now.

Is it Smart to Buy a House While Your Child’s in College?

Yes, it can be if you play it right, and timing is everything. You’ll want to purchase at the right time, meaning you’ll want to consider when to buy. Will you buy before your child’s freshman year or during the first year of graduate school? 

Buying a house in college means locking in steady housing costs, building equity and potentially generating rental income on the side. You’re not just paying rent, you’re investing in you and your child’s future.

But it’s not for everyone. You need good credit, some savings and the patience to handle repairs and your child’s messy roommates. If you’ve got the support and the mindset, it could be one of the smartest money moves you make.

FAQs

Can a college student get a mortgage?

What about your child buying the house instead of you? They can do it, but it’s tricky. Most students don’t have much credit history or income, so they’ll probably need a cosigner (like a parent) or a solid part-time job and good credit to qualify.

What’s the minimum down payment I need?

It could be as low as 3% with specific first-time buyer programs or 3.5% with an FHA loan. Check with your lender to learn more about your options, including the potential loan term you might opt for.

What if my child wants to move after graduation?

No problem. You can either sell it, keep it as a rental, or keep it for them to move back into after graduation, possibly for graduate school. Just make sure to consider your exit plan before making a purchase.

What to Do When an Emergency Threatens Your Child’s College Fund

What to Do When an Emergency Threatens Your Child’s College Fund

Growing a college fund is a huge undertaking. You work hard, save every extra dollar, and you dream about the day you can send your kid off to college without worrying about how you’ll pay for it. You might even be a student trying to save up on your own. 

Everything goes according to plan, you’re saving and the fund is growing. And then life throws a curveball. You lose your job, have a health emergency. Maybe you get in a car accident… Whatever the case may be, all of a sudden, the money you set aside for college now has a different job, and it has to cover other expenses. It’s absolutely heartbreaking, not to mention stressful. 

But that’s life for you. Emergencies happen; nobody expects them. But just because you can’t predict them doesn’t mean you can’t be (somewhat) ready for them. 

Believe it or not, there are ways of protecting that college fund, and in this article, you’ll get to explore several of them.

The Most Common Emergencies that Impact College Savings

An emergency pops out of nowhere and turns your life upside down. Among other things, it can also seriously affect your finances, even your college fund. Medical emergencies are one of the biggest reasons families are forced to dip into their savings because those bills pile up fast. Surgeries, hospital stays, even ongoing mental care, can quickly drain your bank account and money set aside for tuition. 

Accidents and personal injury hit just as hard. A car crash, an injury in the workplace, even a simple fall, can mean major expenses and, in some cases, even lost income. If your family is to stay afloat, you have no other choice but to lean on the savings, regardless of what they were meant for. 

Then there are emergencies that are actual disasters, like floods, wildfires, or hurricanes. They can wipe out entire communities. When something like this happens, paying for college is the last thing you’ll think about. 

But even if it’s not something as dramatic as an injury, illness or a natural disaster, job loss and economic downturn are always a threat. If a parent loses a job or the family’s income drops because of a recession, college savings turn into an emergency fund that covers everyday expenses. 

Life rarely goes how you’ve planned it and these kinds of emergencies show just how important it is to have a plan B. 

What to Do to Protect Your College Fund in a Crisis

A little planning right now will make a huge difference if life throws something unexpected your way. Here’s how to make sure your savings stay as safe as possible. 

Save Money Just for Emergencies

One of the simplest and most effective things you can do is to have a separate emergency fund that has nothing to do with your college savings. This way, when something unexpected happens, you don’t have to immediately reach for the money you’ve set aside for college because you have an alternative. 

Experts say that you should have three to six months’ worth of expenses saved up, but even if you have less than that, it will still give you some breathing room. 

Get Insurance

Insurance is anything but exciting, but if something goes wrong, it’s a lifesaver. With good health insurance, life insurance and disability insurance, you can cover big expenses without losing your savings. 

You’ll also want to check your homeowners or renters’ insurance to make sure you’re covered for natural disasters. Paying for insurance will probably feel like a pain now, but it can save you thousands in emergencies. 

Look for Help if You Need it

If your family ends up in a serious crisis, you don’t have to go through it alone. There are scholarships, emergency grants and other aid programs meant to help families who run into unexpected trouble. If you’re dealing with interviews, legal claims or insurance documentation, consider using professional transcription services to help organize it all. Trust the human experts at Ditto Transcripts to turn your audio or video into clear, usable text.

If your family emergency stems from environmental disasters, like water contamination, exposure to dangerous chemicals or pollution from a natural disaster, it’s more than possible to seek compensation for water contamination damages, pollution consequences, etc. 

Choose Savings Plans that Give You Flexibility

Not all savings plans are the same. Some of them allow you to take out money for certain kinds of emergency withdrawals, but make sure to check the rules about qualified and nonqualified expenses. If you take money for non-qualified reasons, you’ll get a penalty, but in some cases, those penalties are small compared to the financial relief you need. 

How to Rebuild Your College Fund After an Emergency

Once you dip into your college fund because you had an emergency, it’s easy to start feeling defeated. Actually, it’s hard to feel anything but that. It’s frustrating and scary because you’ve worked so hard to save. But the truth is, you’re not starting from scratch, even if you had to spend all the money you had. You’re starting from experience, which means you can rebuild, possibly better than before. 

First, take a breath and figure out where things stand. Sit down and really look at the numbers — don’t guess. How much did you take? What’s left? What’s your current monthly budget? It’s perfectly fine if the answer is “not much.” Don’t feel bad about where you are, just understand it so you know what to do next. When you have a clear picture, think about how much you want to save. 

Before, you might have been aiming for four years of tuition, but maybe now you can start with two and build from there. Or maybe you want to cover books, housing or just the first year. Whatever the case, be realistic and flexible. 

It’s important to think about your priorities when you’re trying to rebuild a savings fund, especially after you’ve taken a financial hit. Of course, your emergency needs need to be taken care of, like rent, food, and medical bills. This comes first. But once you’re back on your feet, start putting money back into that college fund. Don’t wait until things are perfect; every small step counts. Even $10 a week will add up over time. Automatic savings are a helpful trick here. You can link your debit card to a round-up app that sends the change from every purchase straight to your savings. Or you can set a recurring transfer for payday, even if it’s tiny. With automation, you can save without thinking about it. 

If you’re in a position to earn a little more, you might also want to consider a side hustle or a part-time job. Babysitting, tutoring, food delivery, freelancing… Anything you can squeeze into your schedule without burning out. If you’re a student, some campuses offer work-study programs that allow you to earn money while still focusing on school. 

It also might be time to reevaluate your college plan. It doesn’t mean you should give up, it means you need to be strategic. Community college for the first two years can save you thousands. 

Choosing an in-state school instead of an out-of-state institution can slash your tuition in half. Living at home instead of on campus: Another huge savings. When it comes to college, there’s no single solution that will work for everyone, and adjusting your plan doesn’t make it any less valuable. 

In fact, it could make the entire experience much more manageable and less stressful for everyone involved. 

Ways to Build a Resilient Financial Base

There are many things in your life you have no influence over, but your finances shouldn’t be unpredictable. The best way to protect your college fund (and mental health) is to build a good financial foundation that can take whatever life throws at it. 

And no, this doesn’t mean you need to be rich or be a master investor. You just have to have a few simple habits and systems in place that make your finances stronger over time. 

Here are a few ways that can create this kind of stability. 

Step 1: Diversify Your Savings Bucket

When people talk about saving, they usually think of just one account. But if you put all your money in one place, it’s risky. Diversifying your savings means you spread it across different types of accounts, where each has a different purpose and benefit. 

For example, a 529 college savings plan offers tax advantages specifically for education expenses, while a high-yield savings account gives you better interest on your emergency fund. If you’re saving for retirement, a Roth IRA is a great option because it grows tax-free. Having these different savings “buckets” helps protect your money and gives you more flexibility when something unexpected happens. 

Build Multiple Income Streams

When you have just one paycheck to rely on, it’s like walking on a tightrope. If you suddenly lose that income, everything else gets shaky. This is why having more than one income stream is so smart. You don’t have to turn into a full-time entrepreneur overnight, but you can get a part-time job, do some freelancing, sell handmade items online or even rent out a room. All this can give you a nice financial cushion. 

If things go sideways, you’re not stressing out so much because you know you have options. Plus, these smaller sources of income will help you save more steadily for college or bounce back faster after an emergency. 

Practice Budgeting and Tracking Expenses

Budgeting sounds so boring, right? But honestly, it’s one of the most powerful things you can do to stay in control of your money. A budget lets you see where your money is going and it gives you the power to make tweaks before things go off track. There are tons of free apps that make budgeting super easy and some of them even link to your bank account to automatically categorize everything you spend. Of course, you can also just use a notebook. 

Whatever you decide to use, the important part is consistency. Check in weekly to catch issues early, or even monthly. If you do this, you’ll be able to stay focused on your goals and you’ll be more confident about your financial choices. 

Teach Kids and Teens Early About Money

Money should never be a taboo topic, so teach your kids about finances. It will make a difference in how they handle money when they’re older. Even young kids can learn the basics of saving, spending and giving. 

Teens can take this a step further. You can help them research costs related to college or come up with a savings goal for something they want. If they have a part-time job, talk about how they might set aside a small portion of it for their education. The point isn’t to pressure them, it’s to empower them. 

When they understand the value of money, they’re more likely to appreciate the work behind it and make better decisions in the future. 

Avoid Risky Investments for College Funds

It’s always tempting to try and grow your money quickly. But if you invest your college savings in risky things like individual stocks, crypto, or the latest “get rich quick” scheme, there’s a chance you’ll cause yourself a lot of damage. 

When it comes to saving for college, slow and steady is the way to go, and don’t let anyone tell you differently. This money usually has a shorter timeline than something like retirement, so you don’t have as much time to recover from a big loss. Instead, it’s better to stick with safer, more reliable options like low-risk mutual funds, savings accounts or 529 plans. 

You Have Options During Emergencies

Thinking about worst-case scenarios is never fun, but the truth is, life happens. If you plan for it, at least you have a safety net and you’re not risking your education. 

Keep in mind, though, that everything is going to be okay even if you get knocked down. College is not a straight line, and life is… Well, even less of a straight line. It’s kind of like a twisty one with potholes in it, but just keep going.

What to Do if Your Teen Chooses an Expensive College

What to Do if Your Teen Chooses an Expensive College

Your teen just announced the big decision: they want to attend a college with a jaw-dropping price tag.

And you? You’ve run the numbers, and they don’t add up.

This is one of the most emotionally complex crossroads in the college search journey — when their dream school clashes with your financial reality. As a parent, you’re proud of their ambition. But you’re also allowed to be practical. And yes, you can say no.

This article is your guide for navigating that moment with empathy, strategy and honesty.

The Moment You Hear the College Price Tag

You might remember the day. You were all sitting around the kitchen table, flipping through brochures or checking out dorms online. And then it happened: they named the school they fell in love with.

You nodded. You smiled. And then, when you saw the tuition: Your heart skipped a beat.

Maybe it’s $65,000 per year. Maybe it’s even more. And that’s before books, flights, housing and life.

Your instinct might be to panic. But don’t. This isn’t the end of the road — it’s just a curve.

And naturally, the next thought that follows is: how are we going to pay for all of this? While some families consider part-time jobs or work-study options for their teens. The reality is that juggling academics, extracurriculars, and a job isn’t easy. The question of whether it’s okay to pay for essay support comes up responsibly. Time gets tight — especially when papers, assignments, and deadlines start piling up. In such cases, some students choose to pay for research paper writing as a practical solution to manage their workload. Paying for research paper writing isn’t about avoiding effort — it’s about making strategic choices under pressure. It’s one way students try to stay afloat when there just aren’t enough hours in the day.

And let’s be honest: sometimes doing everything alone isn’t a sign of strength — it’s a fast track to burnout. Learning when to ask for help, delegate, or use available resources is part of growing into a capable adult. That’s adapting. And it frees up space to focus on what matters most: learning, not just surviving.

Don’t Dismiss the Dream Right Away

The worst thing you can do at that moment is shut it down too quickly.

Why? Because this isn’t just about numbers to your teen. It’s about identity, excitement, pride, and vision.

Take a breath and listen to why they want to go there. What is it about this school that stands out? The programs? The campus culture? Location? A specific professor or internship connection?

Sometimes the reason is clear and justifiable. Other times, it’s based on prestige, social media hype, or the name on a sweatshirt.

By understanding their “why,” you’re setting up a better conversation about the “how.”

Break Down the Full Cost (Not Just Tuition)

Many families get blindsided by the sticker price of college. But it’s essential to break it into parts — and compare schools using net price, not just listed tuition.

Net price = tuition + fees + housing + other costs – grants and scholarships.

Most colleges have a “net price calculator” on their website. Use it. Plug in your financial information, and see what the actual out-of-pocket cost might be.

You may find that an expensive school offers generous aid. Or you may confirm that it truly is out of reach.

Either way, you’ll have real numbers to work with — and those numbers make it easier to guide the decision.

Frame it as a Family Decision

College isn’t a consumer purchase. It’s a long-term partnership between your teen and your family.

So make that clear: this decision impacts all of you — not just them.

Here’s one way to frame the conversation:

“We’re proud of the work you’ve put in. Now we need to figure out what makes sense for all of us financially. We’re not saying no — we’re saying let’s look at every option seriously.”

This approach reduces defensiveness. It keeps the door open for compromise. And it teaches your teen one of life’s biggest lessons: major decisions need a full view of the picture.

Look at Value, Not Just Price

Yes, a college might cost $70,000 a year. But what are you getting for that price?

Look at:

  • Graduation rates
  • Average debt at graduation
  • Starting salaries for graduates
  • Internship or co-op opportunities
  • Job placement support
  • Alumni network strength

Then compare those metrics to other schools, including more affordable options.

Sometimes, a smaller public university offers better hands-on training and support than a “big name” private school. But your teen won’t know that unless you show them.

This is where it helps to shift the conversation from price to value.

Talk Real Numbers About Debt

This is where things get serious—and where many teens just don’t have the full picture.

Explain how student loans work. Break down monthly payments based on projected debt.

If your teen takes on $100,000 in debt, they may be facing over $1,000 in payments each month for 10 years.

That’s not just a number — it’s rent. It’s a car payment. It’s the ability to say yes or no to jobs, cities, and opportunities.

Let them feel the weight of that debt — not as punishment, but as reality.

Talk About Emotional Readiness, Too

While the focus is often on finances, it’s worth having a quiet, honest conversation about emotional readiness as well.

College is not just an academic step — it’s a lifestyle shift. Your teen will be living independently, managing their time, navigating peer pressures, and handling stress in a totally new environment.

Ask:

  • Do you feel confident managing your own time and responsibilities?
  • Are you choosing this school because it truly fits your goals — or because it looks good on paper?
  • What kind of support system will you have there?

Sometimes, a smaller, more affordable school might offer more hands-on mentoring, stronger community, or more balance.

Encourage Campus Visits (Even to Less Expensive Options)

Let them walk the campus. Talk to current students. Sit in on a class.

Visiting more schools can reset the emotional narrative. Your teen might find a new favorite — one that feels just as exciting without the overwhelming cost. And sometimes, it’s not just about what the brochures say — it’s the feeling of being there. The energy, the people, the way they imagine themselves walking to class or grabbing coffee near the library. You can’t get that from rankings or Instagram posts. A school that seemed “too ordinary” on paper might feel just right in person. And those small surprises often turn into the best decisions.

Explore Alternative Paths

If your teen is still drawn to one school, consider creative ways to make it work — without risking your family’s future.

Ideas to explore:

  • Start at a local or community college and transfer in later.
  • Take a gap year and reapply with stronger scholarship positioning.
  • Attend a more affordable school and pursue special programs like study abroad or dual degrees later.

These aren’t backup plans. They’re smart, strategic alternatives.

What If They Still Push Back?

They might feel defeated. They might blame you.

That’s okay.

Let them express their frustration, but remain firm in your boundary. You’re not punishing them. You’re protecting them.

Say:

“This isn’t the outcome you wanted, and I understand that. But I hope one day you’ll look back and see that we made this choice for your future.”

Use Real Outcomes as Proof

Instead of debating emotions, turn to data.

Use College Scorecard to compare outcomes. Such as salary after graduation, loan default rates, job placement. Sometimes the less expensive school leads to better long-term outcomes. It’s one thing to fall in love with a campus — it’s another to understand what life looks like after graduation. Where do graduates end up? Are they working in their field? Are they earning enough to manage their loans and live independently? These are the kinds of answers that make the financial conversation less emotional and more realistic. You’re not shutting down their dream — you’re helping shape it into something sustainable.

Don’t Forget Hidden Costs

Even with scholarships, hidden costs add up fast:

  • Flights home during breaks
  • Food off-campus
  • Health insurance fees
  • Laptop or software requirements
  • Student activity fees
  • Summer housing if they stay for internships

What seems “just barely manageable” may actually be a stretch.

Help Them See the Bigger Timeline

Ask: Where do you want to be at 25? At 30?

Do you want a flexible career path? The ability to travel? A down payment on a home?

That future gets a lot easier when they’re not carrying six-figure debt. College feels like everything right now — but it’s really just one chapter. They will be freer tomorrow if they take a chance on a new job, move to a new city, or say yes to an unpaid internship that opens doors. A school that fits financially gives them room to grow without feeling trapped. Remind them: success isn’t just about getting in somewhere — it’s about what’s possible once they get out.

Involve a Trusted Third Party

Sometimes hearing it from you feels personal. But hearing it from a counselor, financial advisor, or even a family friend can help them see things more objectively.

Create a Comparison Table Together

Put all colleges side by side. Compare:

  • Total cost
  • Financial aid offered
  • Scholarships
  • Average starting salary
  • Job placement support
  • Campus vibe

Let the facts speak for themselves.

Normalize Choosing a School That Fits Your Budget

Plenty of successful people went to public schools or started at community colleges. A smart decision now can set the stage for long-term freedom.

Build Excitement for Other Schools

Don’t let your “no” be the end of the excitement.

Redirect that energy:

“Let’s find a school that you love and that won’t leave you — or us — buried in stress.”

Look at programs. Clubs. Internships. Study abroad. Help them see what’s possible — not what they’re losing.

Give Them a Role in the Financial Planning

Let your teen fill out the FAFSA. Let them help look for scholarships. Have them create a basic monthly budget for college expenses.

When they take ownership of the financial side, they better understand the stakes.

Watch Out for Parent Loans

Many families rely on these loans, but they come with risks. Unlike federal loans for students, these are fully on you — the parent. High interest, few protections.

Think long-term. What does repayment look like? How does it affect your retirement plan?

If it feels like a burden, it probably is.

Start the Conversation Early

Don’t wait until acceptance letters arrive.

Start talking in junior year. Set a clear range of what’s affordable. Research schools together. Be upfront.

Avoid the heartbreak of “getting in” only to realize later that you can’t pay for it.

Involve Siblings (When It Makes Sense)

If there are other kids in the house, be mindful of fairness.

Maybe you have one college savings fund. Maybe you’re planning to contribute equally.

Explain this clearly so that all kids understand the bigger picture — and no one feels overlooked.

Celebrate the Smart Choice

Finally, when the decision is made, celebrate it.

Highlight the opportunities. Buy the hoodie. Schedule the visit day. Get excited together.

Your teen needs to feel that this choice is not second-best — it’s strong, strategic, and full of potential.

Saying No Is a Step Toward Something Better

Saying no to an expensive college is hard. But it doesn’t mean giving up on your teen’s dreams.

It means helping them find a way to reach those dreams without sinking under debt or stress.

It’s an act of love, not limitation.

When you say no thoughtfully, firmly, and with care — you’re not ending the conversation.

You’re starting one that matters more: how to build a smart, flexible, debt-conscious future.

And that’s a lesson your teen will thank you for — sooner than you think.

How to Pay for College without the FAFSA: A Step-by-Step Guide

How to Pay for College without the FAFSA: A Step-by-Step Guide

If you’re the parent of a teenager in high school, you’ve probably already heard of the Free Application for Federal Student Aid (FAFSA). But what if you don’t want to disclose your financial information or have doubts about your eligibility? 

Whatever your situation, we always suggest that even if you don’t think you’ll qualify, it’s best to still submit the FAFSA, because your institution may put institutional funds on your financial aid award based on your income. 

However, we’ll describe how to pay for college without the FAFSA if you really don’t want to fill it out, so read on.

What is the FAFSA? (And Why People Might Not Use it)

The FAFSA is an online form you can fill out to learn whether you’re eligible for government aid, like Pell Grants, Direct Subsidized and Unsubsidized student loans, work-study programs and more. Apart from the federal government, many colleges and states also use the FAFSA to give away their need-based financial aid.

Its importance notwithstanding, not every family is inclined to prepare and submit the FAFSA every year. Some of them are sure their reported income will exceed the eligible limits for any aid. Others opt not to share their financial information because they regard it as a very intimate subject. In addition, families who are unlawfully non-residents or have legal obstructions may be prohibited from applying. 

If you do not use FAFSA for any particular reason, whether it be a free choice or otherwise, here’s how to maneuver college costs.

Step 1: Understand the true cost of college without FAFSA.

Before making any financial commitments, it’s essential to know what college cost lies under the surface, and it’s more than just tuition. The full cost of attendance (COA) also includes fees, room and board, books, supplies, transportation, and personal expenses. 

The largest starting point for understanding the cost of college: Checking out the net price calculator on each college’s website. The net price calculator helps you to see the approximate amount of money it’ll cost you for each school. The tools give estimates of the out-of-pocket costs based on your income, assets, academic profile, and much more. The net price calculator is just an estimate, but it gives you a clearer picture of whether a college is within your financial reach. It can help you make sound decisions, help you secure further funds comfortably, so you’re not caught unawares later.

Step 2: Focus on merit-based scholarships.

If you don’t plan to file the FAFSA, you’ll want to focus on finding merit-based scholarships. These scholarships reward class performance, test scores, leadership, sports, or talent — not financial need.

Many colleges, mostly private colleges, offer large merit-based scholarships to attract the best students. For example, if your student has a high GPA, top SAT/ACT scores, or excels in the arts, sports, or community service, there’s a high chance that your child could qualify for a large scholarship.

Many colleges reveal their automatic or competitive merit awards on their financial aid pages. Most offer your child merit-based scholarships based on the application, without requiring an extra application or the FAFSA. 

Don’t overlook the deadlines at each school — some institutions have early merit-based scholarship cutoffs. It’s not the end of the world if you miss a deadline (it’s not like your child has gotten expelled from college), but you’ll have to widen your search to other colleges.

Tip: Apply to schools known for giving out quality merit aid. Many colleges use these scholarships to entice students, so they are more likely to compete for your child’s attendance.

Learn more: Private vs. federal student loans for college

Step 3: Apply for private scholarships.

Besides merit-based awards that are granted by colleges and universities, you can also find private scholarships offered by companies, nonprofits and religious organizations, among others. The most attractive thing about these is that the majority of them do not require the FAFSA.

These scholarships can range from $500 to the whole tuition fee are awarded for academic excellence, volunteer work, leadership, your intended career path, ethnicity and more. 

You can find scholarships through:

  • Scholarship databases
  • Local community organizations, such as Rotary clubs and PTA groups
  • Your employer or your spouse’s employer, as many offer scholarships to employees’ children
  • Banks and credit unions

Tips for success: Get started early, keep track of everything and rework your existing essays when possible. The more applications you fill out, the higher the chance that one of them will work out. Ask your child to treat scholarship applications as if they were a part-time job. Steadiness is the road to success!

Check out Dayna’s story: 

Dayna worked with College Money Tips this past year and applied for three scholarships (two were family foundation scholarships, another was a scholarship for her dad’s job). She won a $400, $2,000 and a $1,500 scholarship — amounting to $3,900 — cha-ching! She also received merit-based scholarships and ultimately received $30,400 in private and merit-based scholarships!

Step 4: Consider tuition discounts and employer programs.

Familiarize yourself with programs sponsored by employers. Some companies provide employees with tuition reimbursement or scholarships for their kids. You can check to see if your child can get this by working part-time or check more to learn whether you can get this option through your full- or part-time job.

For example, a mom or dad who works for a national grocery chain can receive a tuition reimbursement of $1,000 to $5,000, even if they are in a part-time position.

Programs like this don’t usually require the FAFSA and can drastically decrease your bill.

Step 5: Use college savings or payment plans.

If you’ve set aside college savings using a plan, now’s the right time to utilize it. You can use a wide variety of accounts to pay for college, including ordinary savings accounts, 529 plans, children’s custodial accounts (such as a UTMA/UGMA) or investment accounts.

But what if you don’t have a tidy sum to pay? Most universities offer monthly payment plans, which is handy because you can break fees into six to 10 installments over the semester or academic year. These plans are usually interest-free, making them more affordable and cost-effective than either private student loans or credit cards.

Find out about the school’s payment plans and the fees (if any) related to them at the school’s financial office.

Pro tip: Using a savings and payment combo will help you maintain your cash flow and avoid unnecessary debt. Planning even a few months will give you the flexibility you need.

Step 6: Consider less expensive college options.

Finally, look into less expensive college options. Your child can achieve their goals without attending an expensive school.

Consider these substitutions:

  • Community college: Attend community college for the first two years, then transfer to a four-year school. You can save a lot of money if your child spends two years at a community college.
  • In-state public universities: In-state public universities usually give residents lower tuition fees and some merit money, even without the FAFSA. Learn how to get in-state tuition when you live out of state.
  • Tuition-free colleges: Tuition-free colleges like Berea College and College of the Ozarks can be a great alternative to filing the FAFSA, but note that you’ll still pay for room and board.
  • FAFSA-free colleges: Some colleges, such as Grove City College, do not give out government aid to students. These colleges can discuss how they can offer aid to your student in detail, so call the financial aid office to ask more questions.
  • Online programs: Accredited schools that offer online programs can save tuition and expenses on campus.
  • Live at home and commute: Your child can also commute to a local university if it’s close to home. You’ll only pay for tuition and save a lot of money on room and board.

These can offer great alternatives if your child is unsure about their career path or if they want to have as little debt as possible at an early stage.

Final Thoughts: Is Skipping the FAFSA Worth it?

If you’ve decided not to fill out the FAFSA, ensure you’re not missing out on free money, because most colleges and universities will suggest that you fill it out for their internal processes. Some scholarships and colleges demand completing the FAFSA, even if you happen not to meet federal grant criteria.

Nonetheless, if you are unable or unwilling to use the FAFSA, there are still numerous strategic and productive tools to assist you in dealing with college costs. Merit scholarships, tuition discounts, private aid and payment plans can enable families to afford their children’s higher education without dependence on the government. (And it’s

Paying for college without the FAFSA is possible, though you may see a disappointing aid award. It just takes more research, planning, and resourcefulness.

FAQs

Take a look at our frequently asked questions if you still have questions about paying for college without the FAFSA or how to pay for college without loans.

What salary is too high for FAFSA?

FAFSA doesn’t have a formal salary limit. A modest background doesn’t guarantee that you won’t receive any financial aid. Many families whose income exceeds $100,000 can still receive scholarships, grants or work-study programs. Furthermore, your child will likely qualify for unsubsidized loans if they file the FAFSA, but it’s important to recognize that you must repay these because they’re loans.

What is the alternative to FAFSA?

The most recommended options involve taking advantage of specialized scholarships, non-profit private scholarships, university scholarships, employer benefits and university fee installment plans. Many of these sources are accessible to the general public and do not require financial need documentation besides the fact that funds can be directly applied for from the source, may that be institution-based, company-based or organization-based.

What happens if you don’t file the FAFSA?

By not filing FAFSA, you won’t be able to obtain federal student aid, such as the Pell Grant, subsidized loans or work-study. Moreover, you might forgo state and college financial aid that relies on the information on the FAFSA form. However, some options, such as private scholarships, merit-based institutional grants and other non-federal funding opportunities are still available to you.

How Military Families Can Use VA Loans to Support College-Bound Teens

How Military Families Can Use VA Loans to Support College-Bound Teens

Military families face unique challenges from frequent relocations to the emotional strain of deployments. As their children grow and prepare for college, these families must also navigate the financial complexities of higher education. 

Fortunately, VA loans, one of the most valuable benefits available to veterans, active-duty service members and eligible surviving spouses, can be strategically used to support college-bound teens. While VA loans are primarily designed for homeownership, military families can leverage them in creative ways to ease the transition to college and ensure financial stability, including through VA college loans.

Understanding VA Loans 

VA loans are mortgage loans backed by the U.S. Department of Veterans Affairs. They offer numerous advantages, including:

  • No down payment requirement
  • Competitive interest rates
  • No private mortgage insurance (PMI)
  • Flexible credit requirements

These benefits make it easier for military families to afford a home and with strategic planning, to use that home as a financial asset in support of their children’s education.

Can a Veteran’s Son or Daughter use their VA Loan Benefit?

No, VA loan benefits are not transferable to the children of veterans. However, a veteran can apply for a joint VA loan with their son, but the son must meet certain criteria and does not receive the VA benefits directly.

Buying a Home Near the College Campus

One of the most direct ways a VA loan can support college-bound teens is by purchasing a home near their chosen college or university. If a military family has Permanent Change of Station (PCS) orders or plans to live near their teen’s college, buying a home instead of paying for dormitories or off-campus rentals can be a smart move. Here’s why:

  • Cost savings over time: Rather than paying thousands of dollars annually for dorm fees or rent, military families can invest that money into a mortgage. Over a four-year period, these savings can be significant especially with no down payment and favorable interest rates through a VA loan.
  • Investment potential: Owning a home in a college town opens the door to future income opportunities. Once the child graduates, the home can be sold potentially at a profit or rented out to other students. In this way, a VA loan-financed home can become a long-term investment that continues to yield returns.
  • Stability and security: College students benefit from having a stable home environment. With ownership, families can ensure their teens have a quiet, private, and safe space to study and live, as opposed to the often chaotic nature of dorm life or renting with strangers.

Refinancing to Free Up College Funds

For families who already own a home through a VA loan, refinancing options such as the VA Interest Rate Reduction Refinance Loan (IRRRL) or a VA cash-out refinance can provide access to extra funds to support college expenses.

VA Cash-Out Refinance

A VA cash-out refinance allows eligible homeowners to refinance their existing VA or non-VA loan and take out cash from their home equity. The funds from this refinance can be used for any purpose including tuition, books, laptops, or room and board.

For example, if your home has built significant equity over time, refinancing to pull out $20,000 or more can ease the burden of college costs without needing to resort to high-interest private loans.

IRRRL for Lower Monthly Payments

While the IRRRL doesn’t allow cash-out, it can help reduce your monthly mortgage payment. This savings can then be redirected toward college expenses, providing greater financial flexibility during the college years.

Multi-Generational Living Solutions

Military families often consider multi-generational living as a strategy to support aging parents or growing children. For college-bound teens, a larger home financed through a VA loan could mean the student can live at home while attending a local college, eliminating the need for campus housing or additional rent. Roommates or boarders (if allowed by VA guidelines and local zoning laws) can share housing costs, easing financial strain.

Buying a multi-bedroom home could also accommodate other siblings creating a supportive, cost-effective family hub during the college years and beyond.

Building Credit and Financial Literacy

Helping teens understand how VA loans work and involving them in the homeownership process can also be an educational experience. Teens can learn about budgeting and mortgage payments, understand long-term investment through real estate and begin to build credit through associated utilities and bills (if placed in their name, with guidance).

These lessons prepare them not just for college, but for life after graduation.

Supplementing Financial Aid and Scholarships

While VA loans aren’t direct financial aid for education, they can ease financial pressures elsewhere, freeing up resources for tuition. Many military families qualify for educational benefits such as:

When combined with a VA loan strategy (such as buying near campus or refinancing), families can create a comprehensive financial plan at any age of high school (freshman through senior year) that reduces debt and improves long-term stability.

Considerations and Requirements

Before using a VA loan in support of a college-bound teen, families should keep the following in mind:

  • Occupancy requirements: The VA requires borrowers to occupy the home as their primary residence. However, exceptions may apply if the spouse or dependent child will occupy the home while the service member is deployed or living elsewhere due to military duty.
  • Loan limits and eligibility: Although there is no longer a maximum loan limit for most VA borrowers, lenders may have their own limits. Always check with a VA-approved lender.
  • Property type: VA loans are for primary residences. Duplexes and multi-family homes may be eligible if the borrower occupies one of the units.

Think Outside the Box if You Have Military Connections

Military families have sacrificed greatly in service to their country, and VA loans are one of the many ways the nation gives back. By thinking creatively and strategically, families can use VA construction loan benefits to support their college-bound teens in meaningful ways whether through homeownership near campus, refinancing to fund tuition, or reducing housing costs. In doing so, they not only ease financial burdens but also create a legacy of stability and opportunities for the next generation.

7 Common College Essay Mistakes: How to Avoid Them

7 Common College Essay Mistakes: How to Avoid Them

Writing a compelling college essay is one of the most important steps for standing out in the admissions process. It’s an opportunity for students to showcase their personalities, experiences and unique perspectives. However, most students fall short in their essays due to not understanding the right writing approach. 

If you want your essay to perfectly align with admissions readers’ expectations and requirements, it’s a good idea to understand the common pitfalls and mistakes that students often make. Read on to learn how you can help your student with their essays.

7 Most Common College Essay Writing Mistakes Students Make 

Here are seven common writing mistakes that almost every student makes, which can sabotage their chances of success.

1. Trying to Impress Admissions Readers

Students often try their best to impress admissions readers, which sometimes causes them to lose their authentic voice and style.

Your child should skip the “humble brag,” or essays which focus on showcasing their mounting success. It can seem fake and forced and diminish the essay’s essence and your student’s lived experience. There’s a delicate balance between showcasing their success and bragging about it, and you have to toe that line.

Simple, realistic, personalized essays are generally more well-received than essays that look like they’re trying to beef up their involvement in Model UN. (Also, fudging or making the application look more impressive than it actually is: huge no-no. Admissions readers can almost always see through the exaggerations.)

2. Repeating the Activities Section

Your child should avoid rehashing the entire activities section of the essay or their transcript, because this makes the essays redundant. Remember, admission officers already know your grades, test scores and activities. Therefore, listing or discussing them again makes your child lose the opportunity to provide new insights. 

College administrators want you to write essays so they can gain a deeper understanding of your child as a person. They should take it as an opportunity to showcase other aspects of your child, such as their thoughts, growth or personality.

3. Choosing a Cliche Topic

If you want to stand out, you have to think out of the box. Admission readers get tired of reading essays on the same cliche topics like “winning the championship,” “moving schools” or “learning teamwork.” 

These lived experiences aren’t necessarily “bad,” but unless your child offers a completely unique perspective on the topic, they’ll be just another ho-hum essay. Ultimately, you want to steer clear of these topics: sports, mission trips and pandemic woes. Admission readers are tired of these topics. Also, avoid triggering topics (such as sexual assault) that could cause an admission reader to stop reading.

4. Telling Without Reflecting

Every story contains a moral, a lesson or a reflection, so ensure your child doesn’t overlook this point. They may present strong, captivating storylines but forget to explain what they learned or how it changed them. Furthermore, if your child can make an admissions reader feel during the essay, those are gold.

The college essay should help readers assess how you think and reflect on your experiences. An essay without deep self-reflection remains a “surface level reflection” and can never fully engage the reader. For admission officers, the key is not just the event itself but how your child thinks and feels about it. 

5. Using Fancy Words Unnaturally

Adding complex, fancy words never makes your essay appear professional and appealing. Many students make this mistake and add vague, pretentious terms in their writing just to sound smart. 

In reality, this approach makes your essay feel stiff or confusing. Admission readers don’t want a vocabulary lesson — they want clear, honest communication. Use a tone, structure and language you and your child can easily read. If your child speaks like they write, you’re likely on the right track.

6. Ignoring the Prompt

It might sound too obvious, but many students don’t answer the essay prompt. This is one of students’ most common mistakes when writing college essays. 

They either misunderstand the prompt entirely or add irrelevant, unnecessary and vague points to it that make their content appear confusing. If you’re looking over your child’s essays, ensure they answer the prompt. 

For example, let’s say your child is attempting to answer the following Common App question: “The lessons we take from obstacles we encounter can be fundamental to later success. Recount a time when you faced a challenge, setback, or failure. How did it affect you, and what did you learn from the experience?”

It’s a problem if they never mention an obstacle at all!

7. Not Proofreading Properly

A great essay loses its impact when it’s full of writing errors. Typos, grammar mistakes and awkward sentences make your child’s writing feel rushed or careless and can significantly undermine credibility. It also clouds the message and makes it hard to follow.

Tips To Improve College Essay Writing

Here are some simple and helpful writing and editing tips that you can follow to boost the effectiveness of your child’s college essays. Also, reach out to [email protected] for a free proofread!

  • Proofread your writing: To ensure your student’s essays are error-free and polished, proofread them thoroughly before submission. Reading content aloud can help you hear and identify mistakes your eyes might have skipped. If you think some points sound “off,” you can fix them to ensure a seamless and coherent writing flow. Moreover, it also helps you enhance the clarity and readability of your child’s work.
  • Check one type of error at a time: When organizing college applications, encourage your child not to burn out by focusing on one error at a time. It’s impossible to fix everything at once. Therefore, review in sessions: First focus on correcting grammar, then spelling, punctuations and then focus on flow. 
  • Use a paraphrasing tool for clarity: If you and your child are tired of repeatedly rephrasing the same idea and a sentence still feels unclear or complicated to fix, use a reliable paraphraser to do the job for you. The paraphrasing tool helps students and writers to rewrite their content and enhance its clarity and readability while keeping the core message intact.  If a sentence still sounds awkward after multiple rewrites, consider using an AI humanizer.
  • Ask a trusted proofreader to check it out: A fresh reader can spot unclear parts, grammar errors or awkward phrasing you missed. Ask someone who knows writing. Feedback helps improve structure, tone and flow. Choose someone who will give honest advice, not just praise. Good feedback makes a big difference.

Learn more: Differences Between Test Optional, Test Flexible, Test Blind

Avoid Simple Mistakes to Make a Big Impact

Writing a great college essay is important, and avoiding common mistakes can help you stand out. Many students try too hard to impress or repeat information from their applications. Instead, focus on being yourself and sharing personal experiences that show your growth.

A strong essay highlights your unique voice and perspective, helping admission officers connect with you. Make sure to be clear and reflect on your experiences as you write. Revising and asking for feedback can turn your essay into a powerful story. Use this chance to share who you are and make a lasting impression.

Learn more: How Long Do Admissions Officers Read Applications?

FAQs

Read on for more frequently asked questions about common college essay mistakes so you and your child avoid them!

What are common college essay mistakes?

Many students try too hard to impress admissions readers, repeat everything in the activities section (but admissions readers already know your students’ involvement because they’ve spelled it all out in that section), choosing a topic that an admission reader has read a million times, not adding important reflection (they want to read what your child has learned through an experience!), ignoring the prompt or forgetting to address it and not proofreading properly.

What are red flags in a college essay?

There are several red flags in a college essay, including poor writing, grammar and typos. Your child’s essay should be as perfect as they can make it. Also, consider what admissions officers are looking for in their applicant pool — curious, inquisitive students who want to work on a team. If your child appears to be close-minded, writes words that might offend someone or a group or appears to hate working with others, do you think they’d want to admit them? Probably not.

What should you not write about in college essays?

Skip writing about mission trips, sports and anything related to your adventures during the pandemic — these essays are overused and admission readers tire of reading about these topics. Also, encourage your student to skip triggering topics, like sexual assault, that could cause an admission reader to quit reading.

Which Device is Right for Your Child? A Parent’s Guide to Choosing Tech for College

Which Device is Right for Your Child? A Parent’s Guide to Choosing Tech for College

When your child is about to head off to college, you have got plenty on your mind. Between housing details, textbooks and budgeting for tuition, the last thing you want is another complicated decision. But picking out the right tech device is not something you want to rush, and finding the best device for college students is important.

Maybe you think a laptop makes the most sense, or perhaps your student keeps mentioning how great a Chromebook might be. Whatever the case, choosing the right device means your child spends less time frustrated by technical issues and more time actually enjoying college life.

This guide will help you find clear, practical advice on how to make the best tech choice for your college-bound student without breaking the bank.

Why Choosing the Right Device Matters

First thing first: Your college student will use their tech device daily for taking notes, researching papers, connecting with professors and even relaxing after class. The right choice helps them stay organized, productive and less stressed. Picking the wrong device, however, can lead to frustration, technical headaches and wasted money.

Think of this tech purchase as something that directly impacts your student’s academic performance and day-to-day happiness. That’s why choosing wisely matters so much.

Know Your Child’s College Needs

Before choosing, think about your child’s major and campus lifestyle. A powerful laptop might be necessary if your student heads into engineering, architecture, graphic design or video production. These fields often use specialized software that needs a bit more processing muscle.

On the other hand, if your child plans to study English, history, business or social sciences, they likely won’t need expensive, high-end hardware. A device geared toward word processing, research and collaborative projects is more than enough.

Also, consider lifestyle factors if your student commutes or travels a lot; lighter devices with longer battery life matter. Heavier options with more features might be fine if they will mostly stay on campus.

Popular Tech Choices, Explained

When you are exploring tech devices for your college-bound student, you will find an overwhelming number of options. Each device comes with its own strengths and ideal uses, so narrowing down your choices might seem tough at first. To make this easier, let’s clearly break down the most popular tech options available.

Laptops

Laptops are versatile workhorses suited for students needing powerful software, multitasking or heavy-duty programming. They usually have plenty of storage, fast processors and full-sized keyboards perfect for extensive writing assignments. But high-end models can be pricey and heavier to lug around campus all day.

Tablets

Tablets like the iPad are incredibly portable and perfect for reading textbooks, note-taking with a stylus and quick tasks. They are convenient and lightweight but often fall short of typing longer papers or running specialized software. While they are attractive for their portability, tablets might still require accessories like external keyboards.

Two-in-One Convertibles

These hybrid devices combine laptop power with tablet convenience. They offer touchscreen capabilities, portability and flexibility. Convertibles are ideal if your student loves tech versatility and frequently switches between note-taking by hand and typing papers. However, their prices can get steep quickly, so you will want to be sure your child will genuinely use both functions.

Chromebooks

Chromebooks are practical, reliable and affordable devices popular among college students. They are cloud-based, straightforward to use and perfect for students whose tasks involve online research, writing, email and collaboration. Because Chromebooks have fewer parts and a simplified operating system, they are also less likely to break or need complicated repairs.

Key Features to Consider

When choosing tech for your child’s college experience, it’s easy to get distracted by flashy features. But a smart choice focuses on practical details that really make a difference. Here are some essential features you will want to keep in mind to ensure your student’s device stands up to daily campus life.

Battery Life

Long battery life matters a lot. Students often move between classes, cafes, dorms and libraries without easy access to outlets. Aim for at least eight to 10 hours of battery life, ensuring your student is not tethered to wall sockets all day.

Durability

College life can be messy. Tech devices regularly experience bumps, drops, spills and everyday wear and tear. Consider something rugged or at least highly rated for durability. Protective accessories like cases and screen protectors are also good investments.

Weight and Size

Never underestimate portability. A heavy laptop might seem fine at first, but after weeks of carrying it around, your child will quickly feel the strain. Choose something easy to toss in a backpack without causing shoulder aches.

Budget

It’s tempting to splurge on high-end gear, but be realistic. Consider affordability alongside features. Paying extra for capabilities your child won’t use, is money better spent elsewhere. A well-chosen mid-range device often strikes the perfect balance.

Operating Systems, Simplified

Choosing the right operating system can significantly influence your child’s overall college experience. While it does not have to be overly technical or complicated, each system comes with distinct features that cater to different academic needs and lifestyles. Here is a clear and simple overview to help you understand the differences and confidently select the best match for your student.

Windows

Windows laptops run a wide variety of programs, making them ideal for engineering, architecture, gaming or business majors. They offer flexibility, power and compatibility but can also run pricier, especially at higher specs.

MacOS

Macbooks are reliable, sleek and highly popular with creative students majoring in graphic design, film, journalism or music production. Macs tend to be intuitive, long-lasting and high-quality — but they do carry premium price tags.

ChromeOS

Chromebooks use Google’s simple, user-friendly Chrome operating system. They are great for students primarily working online, and they are usually more affordable. These devices also boot quickly, do not easily catch viruses and provide seamless integration with online apps and services.

Finding Good Deals and Saving Money

Buying college tech does not have to break your wallet. To stretch your budget, consider shopping during back-to-school sales. Many retailers offer student discounts or bundles that can significantly lower costs. Buying refurbished devices from reliable sellers is another smart option, especially if your child does not need brand-new hardware.

If you are leaning toward simplicity, affordability and reliability, exploring trusted online sellers offering Chromebooks for sale can lead you straight to excellent deals on tech perfectly suited for college life. Also, comparing prices online and keeping an eye out for limited-time promotions can help you maximize your savings even further.

Mistakes to Avoid When Picking College Tech

It’s easy to overlook certain details. Here are common pitfalls you should avoid.

  • Overpaying for unused features: Do not buy more tech than your student realistically needs. Fancy specs often go unused, wasting money you could spend elsewhere.
  • Ignoring software compatibility: Check with your child’s college or department to confirm what software they will use. Not all devices run every software program. Ensuring compatibility upfront saves frustration later.
  • Forgetting about warranty and support: A good warranty or strong customer support can save headaches later. It’s especially important when devices travel frequently or if your student lacks tech troubleshooting skills.

Accessories You Shouldn’t Overlook

When preparing your child for college, remember the main device is just part of the equation. The right accessories can make a big difference, improving your student’s productivity, protecting their investment, and adding convenience to everyday tasks. Taking a moment to choose quality accessories can significantly enhance your child’s overall college experience.

External Drives or Cloud Storage

Even with reliable devices, accidents happen. Important documents, research projects and assignments need a safe backup. Cloud storage solutions, such as Google Drive, Dropbox or affordable external hard drives, can ensure your student never loses critical files at crucial times.

Headphones or Earbuds

Dorm rooms and campus cafes are lively places. Noise-canceling headphones or high-quality earbuds can help your student focus in busy environments. They are also handy for relaxing with music or streaming content without disturbing roommates.

Protective Cases and Covers

You’d be surprised how many devices get damaged from simple falls or spills. Investing in a sturdy, padded case or waterproof sleeve can significantly extend the life of your child’s tech device.

Wireless Mouse and Keyboard

Long study sessions can strain wrists and fingers, especially when typing term papers or reports. A wireless mouse and external keyboard or an ergonomic workstation can offer ergonomic comfort, improving posture and productivity during late-night study marathons.

Learn more: Handy Summer Checklist for Rising Juniors and How to Prepare for College as a Freshman

How Much Power is Actually Enough?

When you are shopping for college tech, you will often see technical terms thrown around: RAM, SSD, CPU and graphics cards. It can feel confusing and overwhelming, so let’s simplify it using a checklist.

Processor (CPU)

You would not need an overly powerful processor for typical college tasks, research, writing papers, watching lectures and video conferencing. Intel Core i5 or AMD Ryzen 5 processors are great choices offering balanced performance for typical student needs. If your student plans to run heavy software for engineering or design, upgrading to something like an Intel Core i7 or AMD Ryzen 7 is wise.

Memory (RAM)

Most students find 8GB of RAM sufficient. It easily handles multitasking between documents, web browsing, video calls and streaming media. If heavy applications like video editing or complex calculations are part of your child’s coursework, opt for at least 16GB RAM.

Storage

Storage is where all your child’s data, from school assignments to personal files, lives. Most laptops now come with Solid State Drives (SSDs), which are faster and more reliable than traditional hard drives. Aim for at least 256GB of SSD storage. Chromebooks usually have smaller built-in storage because they are designed to use cloud-based solutions that are ideal for students who are comfortable working online.

Considering Tech Support and Repairs

College students tend to rely heavily on their tech devices, which makes tech support crucial. Consider what support services or warranties come with the device you choose.

Many universities offer on-campus tech support for students. Some also provide software licenses at no cost. Be sure to check your student’s school resources. They can save money and reduce stress if technical issues arise.

College Tech Myths You Can Ignore

When choosing tech devices, you are bound to encounter some common myths or misconceptions. Clearing these up can help you feel more confident in your decision.

Myth: Expensive Always Means Better

Price isn’t always linked to practicality. A more expensive laptop doesn’t automatically make it better for your student. Devices with just the right features tailored to actual needs will always outperform pricier options packed with unnecessary extras.

Myth: You Must Stick to Big Brand

Popular brands are popular for good reason, but smaller or less-known brands can offer equally reliable options at lower costs. Checking genuine user reviews and warranties can help you make an informed choice, even if the brand is not instantly recognizable.

Myth: Tablets Fully Replace Laptop

Tablets are incredibly convenient and easy to carry, but they are not always adequate replacements for laptops, especially for heavy writing or specialized software. Unless your student primarily reads, researches or annotates, tablets should be supplementary rather than primary devices.

Planning Ahead: Future-Proofing Your Purchase

You are likely hoping this purchase will last your child through their entire college career, so a little future-proofing is worth considering.

Look into the upgradeability of the device you are buying. Some laptops allow RAM and storage upgrades, extending their usability. Chromebooks, while less upgradeable internally, rely heavily on cloud services, meaning they naturally stay relevant longer through software updates.

Read more: Planning for Multiple Kids in College and Dorm Hacks on the Cheap

Wrapping Up Your Decision

By now, you are probably feeling more confident about choosing the right tech for your college-bound student. Remember, the perfect device is simply one that matches your child’s academic requirements and fits comfortably within your budget. This choice isn’t just about hardware or specs; it’s about providing your child with the tools they will genuinely use and rely on every day. Trust your judgment, involve your students in the decision, and you will set them up not just for academic success but also for a smoother, happier transition into college life.

Best Colleges for Neurodivergent Students and Those with Learning Differences

Best Colleges for Neurodivergent Students and Those with Learning Differences

Neurodivergence is a term that includes conditions such as ADHD, autism, dyslexia and other learning differences. It describes the challenges and opportunities that students with such conditions face. 

Undoubtedly, your child must find a college or university that not only has the necessary support systems in place but also promotes:

  • An environment of academic competence
  • Opportunities for personal development
  • Appropriate accommodations
  • Individualized resources

This article reveals the best colleges for neurodivergent students and how to determine the right one for your child. Read on for more information about which programs to consider.

What Makes a College Neurodivergent-Friendly?

A neurodivergent-inclusive college offers full-fledged social, academic and emotional services for students. These institutions respect that neurodivergent students have special needs and they introduce elaborate programs that target those issues. They may offer:

  • Dedicated support programs: Programs at these institutions may help with executive function coaching, social skills development, and special learning methods with the help of academic and personal support. 
  • Flexible learning accommodations: Neurodivergent-friendly colleges may offer expanded test-taking time options, note-taking support, private places to study and alternative assignment choices.
  • Small class sizes: Smaller classes can help professors find time for each student and bring individualized instruction to their classes. Small classes can open new avenues for learning.
  • Comprehensive career services: Goal setting, job placement and internships can specifically help neurodivergent students. These programs meet individual needs and contribute to an increased number of students from diverse backgrounds who embark on successful career paths.
  • Social support and peer mentoring: Many colleges across the U.S. implement peer mentorship programs that give peer advice and create inclusive social environments. Choosing the right environment can help you construct a social environment that fosters a feeling of belonging. 
  • Assistive technology: Assistive tools, such as speech recognition software, organizational apps and adaptive learning platforms can make the learning experience much more efficient and push neurodivergent students to succeed.

Note that these options aren’t the only benefits for neurodivergent students.

Top Colleges for Neurodivergent Students

Many colleges and universities give excellent support to neurodivergent students. Here are some of the best schools for neurodivergent students, including a mix of big universities, small liberal arts colleges and specialized programs.

Landmark College

Location: Putney, Vermont

Perks for neurodivergent students: Devoted to students with learning differences (including ADHD, autism and dyslexia)

Landmark College in Putney, Vermont, is one of the very few institutions in the United States solely devoted to educating students with learning differences, including ADHD, autism and dyslexia. 

A well-organized classroom is part and parcel of the school’s curriculum. The college adds personalization to individual differences, and all services are adjusted according to students’ requirements. The college also provides time management skills courses, tutoring and assistive technology for students. Students enrolled in these courses not only get support but also acquire specific skills to improve their learning efficiency. Small classes allow students to get all the attention they need and learn the best tactics to help themselves with academics.

Landmark College offers specialization in education and offers tremendous personal support to students.

University of Arizona

Location: Tucson, Arizona

Perks for neurodivergent students: Strategic Alternative Learning Techniques (SALT) Center, academic coaching, specialized tutoring, social integration opportunities

The University of Arizona in Tucson is home to one of the most ingenious student support programs, the Strategic Alternative Learning Techniques (SALT) Center. The SALT Center offers “academic coaching,” a one-on-one executive function improvement skills class such as time management, organization and study strategies. 

The program enhances the learning process by providing the necessary resources and specialized tutoring. Neurodivergent students at the University of Arizona receive a quid pro quo relationship with the university due to their acceptance in an environment where the faculty knows how to support students and give them the necessary accommodations, including combining academic support with social integration opportunities, including structural assistance.

Rochester Institute of Technology (RIT)

Location: Rochester, New York

Perks for neurodivergent students: Spectrum Support Program, academic and social support, career readiness opportunities, STEM career development opportunities 

RIT in Rochester, New York, provides a Spectrum Support Program, which is specially created to assist autistic students. The students can get academic and social support on a one-on-one basis. The college offers a special range of programs for neurodivergent students and the institution integrates the students into the environment by giving them hands-on projects and making them part of career readiness programs. 

RIT offers a social integration program and mentorship opportunities voluntarily that are designed to help students decide the course of their academic and personal lives. RIT is for students who are passionate about careers in science, technology, engineering and mathematics, as it strongly emphasizes career development in those areas.

University of Connecticut 

Location: Storrs, Connecticut

Perks for neurodivergent students: Beyond Access Program, cognitive coaching, peer mentoring, extra support in organization, time management, self advocacy

The Beyond Access Program at the University of Connecticut in Storrs is an initiative that assists students with various neurodivergent conditions. Cognitive coaching and peer mentoring are the main instruments of the support program, which assist students in their academic work by enhanсing their time management and other skills. 

The program fosters an atmosphere where everyone is included, thereby providing these students with the means to succeed. Moreover, the Beyond Access Program helps students seeking extra support with organizational abilities, time management, self-advocacy and so on. Neurodiversity is central to UConn’s broader mission of inclusivity and accessibility, which can appeal to neurodivergent students seeking a holistic education.

Drexel University 

Location: Philadelphia, Pennsylvania

Perks for neurodivergent students: Autism Support Program, learning specialists who offer career counseling and social skills training, internships and work placements

The Autism Support Program at Drexel University in Philadelphia supplies students with both academic and social talks, which can go a long way in enabling student success in their coursework. Students have access to a learning specialist, who can offer career counseling and social skills training. 

Service learning (service while learning) fuels Drexel’s co-op program. Internships and work placements offer invaluable, practical real-world experience to neurodivergent students, which helps them grow in experience and get better job opportunities. Drexel displays a harmonious interplay of strong academic support and hands-on experience during co-op sessions.

Beacon College 

Location: Leesburg, Florida

Perks for neurodivergent students: Committed to students with learning disabilities and ADHD, including small classes and individualized academic support

Beacon College in Leesburg, Florida, is fully committed to students with learning disabilities and ADHD. The environment includes small class sizes and individualized academic support that prepares students for life after graduation. 

Beacon’s teaching staff uses methods tailor-made for teaching, and that makes learning interesting for neurodivergent students. The culture focuses on student independence and the skills needed for a career in a highly supportive academic setting.

University of Denver 

Location: Denver, Colorado

Perks for neurodivergent students: Learning Effectiveness Program (LEP) to assist with executive functioning, academic support, social integration; offers peer mentoring

The Learning Effectiveness Program (LEP) at the University of Denver helps neurodivergent students with executive functioning skills, academic support and social integration. The program serves as a personal academic coach that helps peer mentoring and conducts workshops set up especially for the student designed to help the student reach his/her goals. 

The University of Denver’s belief in diversity and its provision for tailor-made academic support to every student is a serious pro for those looking for neurodivergent guidance.

Marshall University

Location: Huntington, West Virginia

Perks for neurodivergent students: College Program for Students with Autism Spectrum Disorder, emphasizing advising and career success in an inclusive, supportive environment

The College Program for Students with Autism Spectrum Disorder at Marshall University in Huntington, West Virginia, offers academic, social and other functional skills support. The program creates opportunities designed to help the students become well-prepared for college life and develop relevant skills for independent living. 

Marshall University emphasizes advising and career success and offers an inclusive, supportive college atmosphere, which makes it a better option for neurodivergent students looking for a well-structured support system.

How to Choose the Right College for Neurodivergent Students

You’ll need to consider a wide variety of considerations when choosing a college that will best suit your child’s needs. Here are some key aspects to evaluate:

  • Class sizes and learning environment: Smaller classes can offer students special attention and can have an incredible impact on student success, so consider a school with smaller class sizes.
  • Available accommodations: Verify that the college provides essential learning accommodations such as extra time on tests, assistive technology, and a support system that specializes in a specific area.
  • Campus culture and inclusivity: Visit the college and decide whether the campus enables you to be part of a group of neurodivergent students.
  • Academic support programs: Look for programs developed specifically for neurodivergent students and get information about the assistance provided.
  • Coaching opportunities: Colleges that help students find mentors and offer coaching programs can help them work through a wide variety of academic and social issues.

Learn more: What is Rolling Admission?

Additional Resources for Neurodivergent College Students

Neurodivergent students can be more successful and have a better time in college if they get additional resources. Below are some useful tools and communities:

  • Online communities and support groups: Websites like Understood.org, ADDitude and Autism Speaks offer suggestions and the opportunity to get support from peers.
  • Scholarships and financial aid: Several groups offer financial support to ASD students, including the National Center for Learning Disabilities (NCLD) and the Autism Society.
  • Assistive technology and study tools: Applications such as Grammarly, Kurzweil 3000, and Evernote can help your child with organization and acquiring knowledge.

Find the Right College for Your Neurodiverse Student

Every student wants to find the perfect college, and you likely want to find one that accepts and caters to your child’s needs. Research and explore various academic programs, visit college campuses, and pose the right questions so you and your student can make the most rational decisions.

Look for a college that fits your child’s study habits and support needs, visit college websites and talk to admission counselors and students on campus who study to get a nice peek into their academic community. The appropriate college fit can be a significant factor in self-support, self-assurance and the highest educational level of knowledge.

Learn more: How to Reach Out to Colleges

FAQs

Still have questions about the best college for neurodivergent students? Let’s take a look.

Which college is good for students with ADHD?

Generally, Landmark College, the University of Denver and Beacon College offer great options for students with ADHD because they offer focused educational options and enable individualized support. However, note that it’s important to visit college campuses before you make a final decision about which college fits your child.

Which college is the best for people with autism?

RIT, Marshall University and the University of Arizona offer awesome autism support programs centered on both students’ academic and social needs. Consider visiting these schools to ensure you choose the right option for your child.

Which college major suits an autistic person?

Autistic students might consider STEM fields, graphic design, psychology and special education with a structured and focused approach and focus on students’ personal strengths.

If a student with neurodiversity appropriately chooses a college with the different tools they need, college life can be an exceedingly positive journey for them, complete with formal training executive functioning skills.

College Students and Mental Health: The Psychological Impact of College Stress

College Students and Mental Health: The Psychological Impact of College Stress

According to the Academic Stress and Mental Well-Being in College Students: Correlations, Affected Groups, and COVID-19 research, “academic stress may be the single most dominant stress factor that affects the mental well-being of college students. Even though college years are usually portrayed as exciting with new opportunities and experiences, academic pressure is also part of the process.

Unfortunately, high expectations can contribute to anxiety, stress, depression and other mental health conditions. Understanding the psychological impact of stress caused by the environment of higher education is essential in order to address and combat the challenges of mental health and college students combo like a pro.

Why Do Students Feel Overwhelmed?

Life’s journey is multi-sided, and so are the challenges, including college students and mental health. The sources of academic pressure may vary, from too much work that makes students seek essay, research paper and dissertation writing services to personal issues, homesickness, procrastination and more. The most common reasons for overwhelming feelings include: 

  • Work/load dilemma: Undergrads usually have to deal with a hectic academic schedule, requiring them to juggle various exams, tests, projects and assignments they should complete to keep up with the curriculum.
  • Sky-high expectations: Professors, tutors, family members and friends create an overwhelming sense of responsibility in young people who are afraid to take the wrong step and fail.
  • Lack of money: Financial troubles, the rising cost of education and the money they need to live independently can create anxiety and insecurity.
  • 24/7 competition: In many educational institutions, young people find themselves stuck in a kind of race. Every day is like a new level in a computer game, where you have to do your best no matter what. Grades, part-time job opportunities, internships and finding-yourself dilemmas are just a couple of competitive areas.
  • Work-life balance: Intense college demands mean too little time for socializing with friends, having some me-time and relaxing. Many students feel emotionally exhausted and face burnout as a result.  
  • Poor time management skills: Many college students have not the slightest idea of how to manage their precious time properly, so it is easy to overschedule yourself without noticing it.
The Psychological Cost Students Pay for Academic Stress

Some stress is natural and motivates us to keep going, succeed and reach the stars. However, the reality is that persistent stress can become a huge obstacle in academic life, affecting students’ performance and overall desire to progress. Not only is college stress quite real, but it also causes a range of issues:

  • Anxiety and depression: If your child suffers from nonstop stress, anxiety and depressive disorders may develop. Your child may experience sadness, abnormal fatigue, worry, lack of motivation to keep going and difficulty focusing on the simplest tasks. Being totally overwhelmed by routine tasks, undergrads tend to have regular panic attacks.
  • Burnout: Different types of pressures in both academic and extracurricular niches can become the main causes for burnout. The latter usually has the following symptoms: class performance drops, your child feels emotional exhaustion and may have a strong sense of detachment from studies and social activities.
  • Low self-esteem: Pressure can ruin self-confidence, making your child doubt their abilities and self-worth.
  • Sleeping too little/too much: Sleep patterns can get seriously disrupted due to constant stress. As a result, students suffer from excessive sleeping or insomnia. Both issues have a negative impact on physical and mental well-being.
  • Substance use: Young people may turn to drugs, alcohol, or too much caffeine in order to combat stress. Unfortunately, substance abuse doesn’t help solve problems. Instead, they tend to multiply.
  • Health problems: When suffering from chronic stress, your child’s immune system weakens, which means they’re more prone to illnesses, headaches, digestive problems, etc.
Learn more: Myths about the College Search and Planning for Multiple Kids in College

How to De-Stress in College

What can your child do to battle anxieties and keep their stress at manageable levels? Let’s take a look.

1. Sleep!

Your child may miss sleep with an overpacked schedule. But dealing with college tasks and responsibilities can be tough when sleep-deprived. In order to stay productive and avoid stress, encourage your child to get seven or eight hours of sleep.

2. Regular Exercise

One of the best ways to blow off steam is by doing regular workouts. College and university students who put physical activities on their to-do lists tend to suffer from stress less frequently in contrast to those who do not exercise. Encourage them to choose the physical activity that works best for them. It can be yoga, swimming, walking, biking or anything else they like. Just move!

3. Breathe In, Breathe Out

Encourage your child to try breathing techniques. Your child can try box breathing, belly breathing, alternate-nostril breathing or anything else that helps relieve stress in minutes, especially before a test or exam.

4. Listen to Music

Music can help calm or stimulate the brain, and it’s good for your child’s body as well. Playing classical music during study sessions helps relaxation, and choosing the right dorm room essentials can help you. (Check out our dorm hacks.)

5. Find Support

If your child can’t cope with academic stress without extra help, create a strong network of like-minded people. Whether they start a study group or take part in various leisure, social and academic activities, it can help meet new people.

6. Fix Eating Habits

What your child eats every day can fix their energy, and the more high-quality food they ingest, the more it helps withstand stress. Avoid high-fat and high-sugar snacks, which are a temporary pleasure and provide their body and mind with zero energy. Eat regularly (don’t skip meals!), stay hydrated (always have a bottle of water!), choose healthy snacks and limit coffee, cigarettes and alcohol.

7. Worry Less

Sounds difficult, but it’s crucial to cut stress whenever possible. What disturbs your child? Is it something worth worrying about? 

No? Excellent! Prioritize worries since it is an essential step toward reducing stress.

8. Accept that Perfection Doesn’t Exist

Nobody’s perfect, and it’s acceptable to make mistakes. Tell your child they’re a precious human being, must care for themselves, and forgive the mistakes they make in their academic journey. If their essay on Hamlet got a C, that’s no big deal. The world will not fall apart because of that. To err is human!

9. Relinquish Control

Tell your child they can control things and can’t control others, so have them focus on the things they can control. They can control their behaviors and choices, but they can’t control other people. They cannot control their professor’s test but they can control their preparation routine and manage their time wisely to boost their skills before the test.

A gap year after high school may help your child grow and mature a bit before they opt for college.

Avoid Psychological Consequences as Much as Possible

Your child may not be able to avoid academic pressure once they enroll in college, and this kind of negative experience can have severe psychological consequences. Every participant of the academic process (undergrads, professors, parents) must recognize that college stress is a serious issue and we should all prioritize mental health.

At College Money Tips, we work to help students find the right fit for their situation, and that includes considering the right school for their academic and social requirements. Reach out to us now if you’re not sure how to tackle finding the right fit. 

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