If you’re a high school student (or the parent of one), college might still feel far off—but when it comes to paying for it, now is the perfect time to start planning. The earlier you prepare for financial aid, the more opportunities you’ll unlock. Trust me, as someone who’s helped families navigate this journey, a little prep today can mean a lot less stress tomorrow.
Why Start Early?
College costs are rising, but so are the resources to help cover them—if you know where to look. From scholarships and grants to work-study and student loans, there’s a lot to understand. Starting early gives you time to research, stay organized, and meet deadlines without panic. Here’s a few things you and your family can do to start preparing for financial aid prep now!
Get Familiar with the FAFSA
The Free Application for Federal Student Aid (FAFSA) is your key to federal aid—and many states and colleges use it too. Even if you’re not a senior yet, check it out. Knowing what’s required (like your parents’ tax info) will make it easier when the time comes.
Track Your Academics
Some scholarships require a minimum GPA or specific test scores. Keeping your grades up and getting involved in extracurriculars now can pay off big later.
Start a Scholarship Spreadsheet
There are scholarships for students in all grades—yes, even freshmen! Create a simple spreadsheet with deadlines, requirements, and links to applications. I recommend starting to look for scholarships now – and not stopping the entire time you’re in college! Read more tips about finding scholarships here!
Talk to Your Family
Have an open conversation about college costs. Do your parents plan to contribute? Will you need to work part-time? The earlier you align expectations, the better you can plan together. Another important question will be who is responsible for paying loans after graduation, too.
Build a Budgeting Habit
It’s never too early to learn money skills. Start by tracking your spending and setting savings goals. Even saving a little each month can help with future college expenses like textbooks or travel.
Financial aid doesn’t just happen—it takes planning. Whether you’re a freshman looking ahead or a junior getting serious, smart families don’t wait until senior year. The choices you make now can open doors to the school—and future—you want.
More about Jodi and College Financial Aid Advisors
Jodi is a FAFSA financial advisor who helps with the financial aid process to help families of college students maximize their financial aid. From completing the FAFSA and completing the CSS Profile to reviewing the SAR, responding to requests for verification, comparing financial aid offers and understanding student loan options, Jodi is a fantastic resource when it comes to student financial aid. Schedule a 15 Minute Power Chat to learn more about finding ways to pay for college.