College Financing

College planning is always challenging, but in 2025, things are especially unpredictable. Costs are rising, financial aid systems are evolving, and many uncertainties remain. It can feel overwhelming for families trying to find the right school for their student, both academically and financially.

When approaching college planning, it's essential to think of college as both a consumer purchase and an investment, not just a dream. Families need to plan wisely by figuring out their budget before shopping for college. Running Net Price Calculators before visiting colleges can provide directional data points. Taking out huge loans in the first year is unlikely to be the best path for most families.

The passing of the Congressional spending bill in July 2025 will have a major impact on college funding for years to come. Beginning July 1, 2026, the federal government will significantly limit how much parents can borrow for their children's education. Parents will now be capped at borrowing $20,000 per year and $65,000 total per child through the Parent PLUS loan program, ending the previous practice of unlimited borrowing up to the full cost of attendance. Additionally, families will have fewer loan repayment options, as the new law consolidates multiple repayment plans into just two options.

If loans will be needed, work on improving credit scores now for both parents and students. Private loans depend heavily on creditworthiness, so early preparation matters. Keep loans minimal, especially in early college years, and remember that under the new law, Parent PLUS loans will not be eligible for income-driven repayment programs.

Understanding the new federal loan landscape is vital for planning. The changes taking effect July 1, 2026, represent the most significant overhaul of federal student lending in decades. When it comes to loan repayment, families shouldn't count on loan forgiveness programs. Instead, they should plan as if they will repay loans in full. Paying interest during college can help keep future payments lower, so it's important to research and understand the new streamlined loan repayment options. Keeping records of all loan payments and scholarship offers is essential for future reference.

Merit-based aid is often awarded to students by moderately and less selective colleges that are using the possibility of a scholarship to entice a terrific student to enroll. The vast majority of highly selective colleges do not offer merit-based aid to students at all and reserve their aid for students with demonstrated financial need. If they do offer merit aid, it is a competitive process.

Expect delays from overwhelmed financial aid offices. Submit FAFSA and CSS forms accurately and early, and prepare for potential delays from the underfunded and understaffed Department of Education. Be patient with college staff who are also struggling with increased workloads as they navigate these unprecedented changes to federal aid programs.

Above all, thorough research is the key to navigating this new landscape. Families should look beyond the initial cost of attendance for the first year and review housing after year one, miscellaneous expenses like Greek life and off-campus social activities, along with additional program expenses. Stay current with news and remain flexible; don't let college rankings or the perceived value of a college based on its name recognition influence your decisions.

Early planning and research are the keys to finding an affordable path to college in this new era. While the challenges are significant, families who approach the process thoughtfully and realistically can still find educational opportunities that fit their financial circumstances.

Focus on Majors: Pre-Med

When you tell someone you want to be a doctor, the path ahead can seem pretty clear: major in biology, go to college, spend your weekends in a research lab, and volunteer at a hospital. That's what most pre-med students do, right? But if you're serious about getting into medical school one day, you might need to take a step back and rethink that whole plan. Standing out as a future medical school applicant isn't about following the crowd—it's about making intentional, personal choices that align with your interests and strengths.

First, let's clear something up. Pre-med isn't a major. It's a set of required courses and a goal, not a field of study. Many successful applicants to medical school major in something totally unexpected, such as Spanish, drama, or even music. They still take biology, chemistry, and physics, just like everyone else, but they stand out because their major reflects who they are and what they love. Because they enjoy what they're studying, they're more likely to earn higher grades, which matters far more than whether your major sounds "med-school-y."

This is a hard concept for many students to accept. It's tempting to think that choosing a big-name school or majoring in biology gives you a competitive edge. But admissions committees aren't impressed by the sameness. If most of your competition looks just like you on paper—same major, same volunteer work, same answers to "Why do you want to be a doctor?"—you're going to blend in, not rise to the top. However, if you've spent your summers working with underserved populations while majoring in political science and conducting research on public health policy, you'll stand out regardless of where you attend college!

So, how do you find the right college for pre-med? Forget prestige for a moment and ask better questions. Does the college offer strong pre-health advising? Is there a system in place to help students connect with research and shadowing opportunities? 

Are introductory science classes enormous and graded on a curve, which can be discouraging for students trying to earn top grades? Will you be able to build relationships with your professors, who will one day write your recommendation letters?

A liberal arts college might not have a giant medical center, but it may offer better access to faculty and smaller class sizes. A large university might have more clinical opportunities, but you'll have to be more proactive about seeking them out. Neither option is universally better—it depends on your learning style, personality, and priorities. That's why "fit" matters more than "famous."

In high school, you can start laying the foundation by cultivating your curiosity, work ethic, and people skills. Explore your academic interests broadly. Join activities that help you learn leadership, communication, or teamwork. If you're able, shadow a local doctor or volunteer in a health-related setting, not because you think you're supposed to, but to see if you actually enjoy being in that world.

Once you get to college, pace yourself. Too many students overload themselves during freshman year, chasing an imaginary timeline that says they have to apply to med school by the end of junior year. That kind of pressure can backfire. It's okay, wise even, to take a little longer and apply at the end of your senior year or even take a gap year to allow more time for MCAT and application preparation.

The most successful pre-meds aren't the ones who follow the script—they're the ones who write their own. They don't just check off boxes; they pursue opportunities that align with who they are. They know how to talk about their experiences with real insight and compassion. They aren't perfect, but they're genuine.

So, as you think about college and your future in medicine, don't try to be the "ideal" pre-med college applicant. Be the most authentic, curious, and committed version of yourself. That's what medical schools will be seeking.

Social Media and College Admissions

Okay students, let's be real. Your life is probably all over social media. From TikTok dances to Insta-worthy sunsets to those hilarious Snapchat streaks, it’s how you connect, express yourself, and keep up with everything. But here's a thought that might make you pause before your next post: colleges might be watching. Yes, admission officers could be scrolling through your feeds, and what they see might impact your future.

Are colleges checking your social media? While not guaranteed, it's possible. Think of it this way: Admissions officers want to see beyond your academic achievements. A survey found that 28% actually review applicants' online presence. An admissions officer would investigate your social media accounts if they receive reports about harmful content about an admitted student. Check your privacy settings and use caution when sharing your social media account.

Let's talk about the worst-case scenario. Remember that story about Harvard rescinding offers to students who shared offensive memes? Or the student who lost their spot after a questionable video surfaced? No college wants a student who will bring negativity or controversy to campus.

Use social media to your advantage. Flip the script and view it as a tool to boost your college chances. Think of it as your chance to shine. Did you win an award? Crush a volunteer project? Create something amazing? Share it! Colleges love seeing passionate, driven students. Another smart move? Engage with the schools you're interested in. Follow them, comment thoughtfully on their posts, and show some love for their campus vibes.

Basically, think of your social media as your personal brand. What do you want it to say about you? Does it showcase your interests, your personality, and your goals?

Before you freak out, take a deep breath and do a little social media spring cleaning. Scroll back through your profiles and ask yourself, "Would I want a college admissions officer to see this?" “ Would you want a grandparent to see your post?” If the answer is no, then get rid of it! Adjust your privacy settings, Google yourself to see what comes up, and remember that even private posts can sometimes find their way into the public eye.

Bottom line? Social media is powerful. Use it wisely, show your best self, and make sure your online presence reflects the amazing person you are. Because when it comes to college admissions, you want to be ready for your close-up.

How Volunteering Enhances your Life

Even though some high schools require community service to graduate, the best reason to volunteer has nothing to do with resumes, applications, or future plans. The best reason is that you care.

You don’t have to travel far to make a difference—some of the most powerful acts of service happen right in your own community. Whether you're tutoring a younger student, walking dogs at a shelter, or helping at a food pantry, showing up consistently makes a real impact.

And here’s something else that’s real: volunteering doesn’t just help others, it helps you, especially when it comes to mental health.

Teen years can be tough. School pressure, social stress, constant notifications, and uncertainty about the future can pile up quickly. It’s easy to feel overwhelmed or even isolated. Volunteering can be a powerful way to shift that experience. When you're helping someone else, you naturally take the focus off your own stress. 

Studies show that people who volunteer regularly report lower levels of stress, anxiety, and depression. Teens especially benefit from volunteering. Helping others gives you a sense of purpose. It gives you a reason to get out of the house and connect with others, whether you’re chatting with a new friend during a food drive or exchanging laughs with kids you’re mentoring.

Volunteering can also boost confidence. Every time you learn a new skill, solve a problem, or realize someone is counting on you, it adds to your sense of self-worth. Over time, you start to see yourself differently—not just as a student or a kid trying to figure things out, but as someone who can make a real difference.

And yes, volunteering actually makes you happier. That “helper’s high” people talk about? It’s real. Doing good triggers feel-good chemicals in the brain, like dopamine and oxytocin, that boost your mood and make you feel more connected and optimistic.

Getting started is easier than you think. Websites such as Volunteer Match and Do Something list opportunities by age and interest, including virtual options. You can also ask around at places you already know: your school, local nonprofits, shelters, or even the library.

If you’re not sure where to begin, try asking yourself: What do I care about? What kind of change do I want to see? Who needs support right now, and how can I help? Follow those answers, and you’ll find your way.

Whatever you choose, make it yours. Invest your time and energy into something that feels right for you. Keep a journal or log of your experiences, not just what you did, but how it felt. You might use those reflections later in a college essay, or simply as a reminder of the impact you’ve made.

The most meaningful service comes from doing what matters to you. Don’t just do it to build a resume—do it because it makes a real difference. And in the process, you might discover new strengths, new friendships, and a new way of seeing the world.

Focus on Majors: Pre Law (not a major!!)

If you’re thinking about becoming a lawyer, you might assume there’s a specific “pre-law” major you’re supposed to choose. But here’s something most students don’t realize until later: there’s no such thing as a pre-law major. In fact, law schools welcome students from nearly every academic background—from political science to physics. What matters most isn’t what you major in, but whether you’ve developed core skills such as critical thinking, persuasive writing, strong reading comprehension, and logical reasoning.

That said, you can begin preparing for a legal career while you’re still in high school.  You can get a taste of what studying subjects like economics, philosophy, or political science feels like before you commit to a major later on. Joining your school's mock trial or debate team is a great way to develop research and persuasive public speaking skills.

When selecting a college major, choose a field you genuinely enjoy and in which you are confident you will excel academically. Law school is academically rigorous, and getting good grades in college matters more than the specific subject you study. For example, if you're intrigued by finance law, a major in economics could be a great fit. If you’re more interested in the psychological aspects of the courtroom, such as jury behavior or bias, then psychology might make more sense. Or maybe you're drawn to reading, writing, and culture. English majors do extremely well in law school, too, thanks to their writing and analytical training.

Some of the most commonly chosen pre-law majors include political science, history, philosophy, economics, English, and psychology. But that doesn’t mean you can’t major in biology, computer science, the arts, or even sport management and still end up thriving in law school. For example, students interested in intellectual property or environmental law might benefit from a science or tech background.

When researching colleges, ask about the availability of dedicated pre-law advisors, LSAT preparation resources, mock trial or debate teams, and opportunities for legal internships or externships. Find out if the school tracks law school acceptance rates for their graduates and whether they offer workshops on law school applications, personal statement writing, and interview preparation. When it’s time to choose a college, don’t panic about picking the “right” school; instead, focus on where you will find academic, social, and emotional success. There are many paths to law school and a legal career. For perspective, check out Harvard Law School's list of diverse feeder schools.

Just like undergraduate institutions, law schools vary in admission rates and costs. If law school is indeed your trajectory, remember that high LSAT scores, undergraduate grades/rigor, and letters of recommendation are essential. A strong application will also include a compelling personal statement along with a resume that includes internships and volunteer activities related to the field of law. 

Students who prefer small classes and close mentorship might want to consider liberal arts colleges. Amherst College, The University of Rochester, Pomona College, and Dickinson College consistently send graduates to law schools. Claremont McKenna College even offers a government major with a legal studies sequence, Occidental College has a unique “Lawyering for Social Justice” program, and Gettysburg College has the Eisenhower Institute.

Other colleges that offer excellent outcomes for future law students include: Fordham University’s Pre-Law Institute, which has a summer program providing an introduction to foundational U.S. law subjects, legal writing, and research skills; American University in Washington, DC which has a well-established path into public policy and law; The University of Richmond, which features a PPEL track (Philosophy, Politics, Economics, and Law); and Loyola Marymount in Los Angeles, which is especially good for students interested in entertainment or immigration law.

No matter where you go to college or what major you choose, the goal is to build key skills and explore the field of law in ways that feel meaningful to you. That might include joining the debate team, volunteering with a legal aid organization, or interning at a courthouse. Along the way, you’ll want to develop strong relationships with professors, particularly in writing-intensive or analytical classes, since their recommendation letters will carry serious weight when you apply to law school.

Thinking about law now gives you a head start, but there’s no need to lock anything in yet. Focus on building strong academic habits, asking good questions, and staying curious. Law will still be there if you decide to pursue it, and you’ll be all the more ready when the time comes.

Adjusting to College Life

Nearly all first-year college students encounter a few surprises as they adjust to college life.  Understanding the most common challenges students report and what to do about them can make the transition to college life go more smoothly for both students and their parents. Some of the most reported issues include:

Academics. Even strong students can be blindsided by college academics. Classes, even in subjects you’ve always aced, are often more demanding than high school classes and may require new skills and approaches. Unlike high school teachers, college professors won’t check that you’re keeping up with the workload. How to cope:  The course syllabus is your best friend; before each class, make sure you’ve completed the reading for that day.  Don’t skip classes! If you’re struggling with the coursework, get help earlier, rather than later. Connect with peers to form study groups.   For parents:  If your child seems to be struggling, suggest they talk to the professor during office hours or reach out via email to set up an appointment.  The college’s tutoring and writing centers can also help students adjust to college academic demands.

Time management.  In college, how you spend your time is up to you.  That sounds great, until you realize just how hard it can be to balance studying, socializing, and juggling new responsibilities like a job or doing your own laundry.  How to cope:  Your first three priorities should always be attending classes, studying, and taking care of your physical and mental health (sleeping, eating, exercising, connecting with others). Get a personal planner and block out time to study. Though socializing is a big part of college life, know your limits.  For parents:  While your child will likely make some mistakes with time management, set clear expectations with your child before they leave for college.

New people.  Most students look forward to meeting new people in college. New friends may have different ideas about behavior and relationships from your family and friends back home. Rooming with a stranger can also be a challenge.  How to cope:  The first few weeks of college are usually a social whirlwind. Don’t stress if you feel you haven’t made the same type of friendships that you had at home.  Strong friendships need time to develop.  Roommates don’t always end up being best friends; try to discuss any issues that crop up with your roommate as soon as possible. Getting involved on campus is a great way to meet new people, especially at bigger schools where it can be harder to make connections in large lecture classes.   For parents:  Before your child leaves for college, encourage them to join clubs and hang out in public spaces on campus to meet fellow students. 

Homesickness. No matter how excited you are about college, it’s normal to have moments where you miss home, your family, or your friends.  Adjusting to a new environment and being surrounded by new people can feel overwhelming at times.  How to handle it:  When homesickness hits, don’t panic.  A phone call to family or friends can help, as can talking to others in your dorm or classes.  For parents: Homesickness usually passes quickly.  The best way to help is to be there to listen and suggest ways that your child can connect with others on campus.  

Things to Know about Continuing your Sport in College

Many student-athletes dream of playing a sport in college. However, with competitive recruiting, levels of play, and misconceptions about scholarships, insight into how the process works and what it truly takes to compete at the college level is essential.

The desire to play must come from the student, not the parents. The commitment and demands of college athletics can be overwhelming, even when a student is fully invested. Many assume excelling in high school or club sports guarantees recruitment, but only 7% of high school athletes play in college, and not all see playing time (NCAA). Just 1–2% play at the Division I level, so seek guidance and honest feedback from coaches experienced in collegiate athletics to assess realistic opportunities. And with the current changes in laws governing NIL, many rosters are getting smaller.

Student-athletes must actively engage in recruitment by communicating with coaches, creating highlight reels, attending showcases, and maintaining training and nutrition regimens. Strong grades open more doors for admissions and scholarships—students should research schools that align with their academic interests and long-term goals, not just athletic fit. Keeping an open mind about different divisions increases the chances of finding the best overall opportunity.

Beyond skill, coaches recruit leaders, team players, and hard workers. Character, attitude, and coachability can be as important as talent. Being a good teammate and demonstrating resilience on and off the field make a lasting impression on coaches.

A common misconception is that playing in college guarantees a scholarship. However, full athletic scholarships are rare; most receive partial scholarships, if any. Division III schools offer no money for athletics (NCAA). Strong academics remain the best way to maximize financial aid and admissions opportunities.

The time commitment of college athletics varies widely. Division I athletes may dedicate 40+ hours per week to their sport, making athletics a primary focus (NCAA GOALS Study). Division III offers more flexibility, allowing students to pursue internships and other interests. Club and intramural sports provide competitive and recreational opportunities with less commitment. Athletes can stay involved in their sport without NCAA pressures.

The key for those who want to compete at the next level is taking ownership of the process. Student-athletes should work daily to reach their goals, remain realistic, prioritize academics, and understand that some elements of luck and timing are outside their control. For those committed and talented, playing a college sport builds time management, leadership, and resilience that benefit students' careers and lives. Relationships built through athletics create lifelong friendships and professional connections beyond the field. It can be an incredibly rewarding experience, teaching valuable life lessons and preparing students for future success.

Focus on Majors: Sports Management

For students who live and breathe sports, a career in the industry doesn’t have to mean going pro as an athlete. The U.S. sports industry generates over $400 billion annually and relies on professionals in management, marketing, event coordination, and facility operations to keep things running. A degree in sports management can be the ticket to an exciting career behind the scenes in the sports world.

Sports management programs blend business, marketing, and sports-related coursework to prepare students for careers in the athletic industry. A Bachelor of Arts or Bachelor of Science in Sports Management typically includes classes in business, finance, sports marketing, event planning, facility management, and ethics in athletics. Many programs also emphasize hands-on experience through internships with sports teams, facilities, and organizations, giving students a valuable edge when entering the job market.

When exploring sports management programs, at some universities, the major is housed in the business school, which places a greater emphasis on finance, administration, and marketing, while at others, it may be housed within communications or liberal arts  The program’s focus can shape career opportunities, so students should consider their long-term goals when selecting a school.

Certain colleges and universities have gained a strong reputation in sports management. The University of Massachusetts Amherst’s Isenberg School of Management is consistently considered one of the top programs and has strong industry connections. The University of Michigan focuses on sports business and societal impact with an extensive alumni network in professional sports. Southern Methodist University offers specializations in event management and athlete representation, while Ohio University is home to one of the oldest and most respected sports management programs. The University of South Carolina offers a Sport and Entertainment Management degree within its College of Hospitality, Retail, and Sport Management, giving students direct access to major sporting events and industry partnerships.

The location of a university can also play a major role in career opportunities. Schools in cities with major league teams, sports marketing firms, and athletic organizations often provide students with valuable industry exposure.

Graduates with a degree in sports management have a wide range of career paths available to them. Some may find roles in team administration and managing operations for professional or collegiate sports organizations. Others may gravitate toward marketing and sponsorship, working with brands to develop advertising strategies and corporate partnerships. Event and facility management is another growing field, where professionals oversee stadiums, arenas, and major sporting events. Those interested in athlete representation and public relations may work directly with athletes to manage their careers, contracts, and media presence. Sports analytics and technology are also expanding fields, utilizing data to improve team performance and fan engagement.

Breaking into the sports industry can be competitive, so hands-on experience is key. When researching programs, students should ask about internship opportunities, job placement success, and the strength of the school’s alumni network. Schools with established connections in the industry can provide students with a pathway to internships and jobs with professional teams, college athletic programs, and sports-related businesses.

To learn more about sports management programs and careers, you can refer to the North American Society for Sports Management (NASSM),  Degrees in Sports, and Sports Business Journal.

Careers for Sports Management Majors:

Sports Agent

Athletic Director

Team Manager/Operations Coordinator

Sports Marketing Specialist

Social Media Manager

Public Relations Specialist

Stadium Manager

Recreation Manager

Fitness Trainer

Sports Data Analyst

Corporate Partnership Manager

Contract Analyst

Guest Relations Manager

Game Day or Event Coordinator