As we approach the end of January, it is a good time for senior parents to review what should have been done and what needs to be done.  Her are my top 10 suggestions.

1)  All college applications should be completed.  The application file should include application, transcripts, test scores and (if required) letters of recommendation.

2)  Net price calculators of each of these colleges should be checked to determine if their net price is affordable.  Of course this requires you to have examined what you can afford to pay for college - and to examine it systematically.  (If you haven't checked out our affordability questionnaire, go to myfinancialfit.com.)

3) Colleges that do not appear to be affordable should be at the bottom of the feasibility list.  Colleges that are affordable should be prioritized to level of interest. 

4)  FAFSA's should heve been filed or should soon be filed.

5)  If any of the colleges require the CSS Profile, that form should have been filed.

6)  Housing applications to the top 3 affordable college options should be considered if the deposits required are refundable.

7)  If no college options appear to be affordable, the commuter option or the community college option should be considered.  (see video)

8)  If your son or daughter improved his or her grades at the end of the 7th semester, those transcripts with a note about the improvement should be sent to the colleges.

9)  Independent scholarships start to arrive quite regularly this time of the year in the high school Guidance office.  Checking in with that office on a regular basis is recommended.

10) View the appeal process video to determine whether you are a candidate to appeal your award.