10 Costly College Planning Mistakes
Avoid these common pitfalls to save time, reduce stress, and make smarter college decisions
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1) Skipping Testing Without a Strategy
Choosing not to take or submit standardized tests like the SAT or ACT without a clear plan can limit college options, scholarship opportunities, and placement into honors programs. Even test-optional colleges may still consider scores for merit aid or course placement. We help families make informed testing decisions that support their goals.
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2) Neglecting Academic and Extracurricular Planning
Colleges look for more than just strong grades. A well-planned mix of challenging courses and meaningful extracurriculars helps students stand out. We guide families in aligning high school choices with future college expectations to build a strong and intentional application.
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3) Applying to the Wrong Schools
Focusing only on reach schools or local options can lead to missed opportunities for merit aid, better academic fits, or more supportive environments. We help students build a balanced college list that increases both admission chances and financial value.
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4) Missing Out on Financial Aid and Scholarships
Many families miss critical deadlines or make avoidable errors on the FAFSA or CSS Profile, leaving money on the table. Scholarships also often go unclaimed due to incomplete applications or lack of awareness. We walk families through the entire financial aid process and identify scholarship opportunities tailored to each student.
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5) Failing to Negotiate Financial Aid Offers
Most families accept their initial financial aid offer without question, not realizing that colleges may be willing to adjust awards. We provide step-by-step support for crafting a strong appeal and advocating for additional aid.
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6) Overlooking the True Cost of College
Tuition is only part of what families pay. Additional costs such as housing, meals, transportation, books, and fees can significantly increase the total expense. We help families understand the complete financial picture for each school on their list.
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7) Taking on Excessive or Unfavorable Loans
Without expert guidance, many families borrow more than they need or use high-interest loans that create unnecessary long-term debt. We help you understand all borrowing options and create a loan strategy that supports your financial future.
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8) Choosing Colleges Based on Prestige, Not Fit
Selecting a college based solely on name recognition can lead to poor experiences, academic struggles, or costly transfers. We focus on helping students find the right environment where they can succeed academically, socially, and financially.
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9) Poor Timing and Missed Deadlines
Every stage of college planning involves deadlines, from applications and testing to financial aid and housing. Missing even one can reduce options or cost thousands in lost aid. We help families stay organized and on schedule with personalized planning tools.
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10) Neglecting Post-Acceptance Planning
After a student is accepted, there are still important decisions to make and expenses to plan for. Housing deposits, meal plans, orientation fees, and campus job options all play a role. We guide families through this final stage so they feel confident and prepared for college life.
Ready to avoid these mistakes and plan with confidence?
Our expert team provides personalized support for every stage of college planning, from academics and testing to applications and financial aid.
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