When families think about the college process, the focus often lands on applications, essays, and test scores. But one of the most important, and sometimes most stressful, parts of the journey is navigating financial aid. My goal in working with families is to reduce both student stress and parent anxiety, helping you make informed, confident decisions about paying for college while balancing long-term goals like retirement. By incorporating valuable insights from Melissa Mieyr of InfoQuest College & Financial Solutions, who specializes in the financial aid process, my hope is that the following information will equip families with practical strategies and greater confidence as they navigate the financial side of college planning. Her expertise in reviewing award letters, comparing offers, clarifying loan options, and advising on appeals provides guidance that is beneficial to all college-bound families. Step One: Build a Comprehensive List with Fit in Mind Before we talk numbers, remember that choosing colleges is about more than cost. A good list considers academic fit, social and emotional fit, and financial fit. All three are equally important in ensuring that a student thrives once they’re on campus. Step Two: Understand the True Cost of College When families ask, “What does college cost?” the answer is: it depends. Costs vary widely from one institution to another, so always check the college’s own website. And don’t just look at the first year—consider all four years, factoring in annual tuition increases of 3–8%. Average Cost of Attendance (per year) $30,000 for in-state public universities $60,000 for out-of-state public universities $90,000 for private/elite universities Direct Costs (paid directly to the school) Tuition and fees Room and board Indirect Costs (other expenses to plan for) Books and supplies Transportation Personal expenses Step Three: Complete Your Financial Aid Applications Financial aid begins with paperwork. The FAFSA (Free Application for Federal Student Aid) determines federal eligibility, while some schools also require the CSS Profile to determine institutional aid. Both open on October 1st, and deadlines often align with admissions applications—don’t miss them. The FAFSA calculates your SAI (Student Aid Index), formerly known as the EFC. This number determines your eligibility for need-based aid. What counts? Primarily income. The “prior-prior year” tax return is used, meaning the Class of 2026 will use their 2024 tax form. Assets matter, but student income is only assessed after a protection allowance ($11,770 for the 2025-2026 school year). 📅 Tip: Your “base year” for financial aid actually starts halfway through sophomore year of high school and runs through the first half of junior year. During this time, try to avoid moves that inflate income, such as: Retirement plan distributions Employment bonuses Exercising stock options Converting UGMA/UTMA accounts to 529s Getting remarried Students earning above the allowance Step Four: Know the Types of Aid Available Financial aid comes in several forms: Need-Based Aid – Based on financial eligibility (Cost of Attendance -SAI = Cost of Attendance). Merit Aid – Based on academic, athletic, or talent achievements, regardless of financial need. Self-Help Aid – Includes work-study and student loans. How families fit: High Merit / Low Need – Non-need-based merit aid, private scholarships. High Merit / High Need – Combination of need-based aid, merit aid, and private scholarships. Low Merit / High Need – Schools that meet 100% of need, SAI reduction strategies, timely applications are key. Low Merit / Low Need – Limited aid options; private scholarships may help. Step Five: Review, Compare, and Appeal Award Letters Once admissions decisions arrive, families must carefully review award letters. This is where I work with parents and students to: Compare offers side by side Understand loan terms Identify hidden costs Appeal when necessary This step ensures families feel informed and confident before making final decisions. Legislative Changes You Should Know Recent updates in financial aid legislation have introduced new borrowing limits: Parent PLUS Loans – Now capped at $65,000 total for an undergraduate degree. Repayment Options – Federal rules have streamlined repayment into just two primary options, limiting flexibility for families. Staying on top of these changes is essential to avoid unexpected financial strain later. Final Thoughts Paying for college can feel overwhelming, but with the right plan, it becomes manageable. By creating a budget, analyzing your financial profile, building a thoughtful school list, and staying ahead of deadlines, families can approach this process with confidence. Ultimately, financial aid is about more than numbers—it’s about creating opportunities. At Custom College Consulting , we believe that when families approach the process with clarity and preparation, they can focus less on the stress of costs and more on finding the right college fit. With the right strategies in place, students are empowered to pursue their goals, and parents can move forward with confidence knowing they’ve built a sustainable plan for the future.

The countdown has begun! With Common App going live in just a couple of weeks the official college application season is underway. At Custom College Consulting, we understand how important this time is, and we’re here to help you navigate the application process smoothly and effectively. Here are some essential tips to ensure you're fully prepared to apply: 1. Start Early Procrastination is your enemy when it comes to college applications. Use these two weeks to get a head start on drafting your personal statement and supplemental essays. Reflect on your experiences, achievements, and what makes you unique. A well-thought-out essay can set you apart from other applicants. 2. Gather Necessary Materials Make a checklist of all the documents you’ll need: Transcripts: Request these from your school as soon as possible. Standardized Test Scores: Ensure your SAT/ACT scores are ready to be sent. Letters of Recommendation: Reach out to your teachers, counselors, or mentors now to give them ample time to write thoughtful and personalized recommendations. 3. Research Your Colleges Compile a list of the colleges you’re interested in and dive deep into their specific application requirements. Some schools may have unique essay prompts or additional forms. Understanding what each college is looking for will help you tailor your application to highlight why you’re a perfect fit. 4. Create a Timeline Organization is key. Create a timeline that includes important deadlines for early decision, early action, and regular decision applications. This will help you stay on track and avoid the stress of last-minute submissions. 5. Seek Feedback Don’t hesitate to share your essays and personal statements with teachers, mentors, or a college consultant. Constructive feedback can help you refine your writing, ensuring it is compelling and error-free. Multiple rounds of revisions are often necessary to perfect your essays. 6. Practice Self-Care The application process can be overwhelming. Remember to take breaks, stay hydrated, and get plenty of rest. Maintaining a balanced routine will help you stay focused and energized. Stress management techniques like mindfulness or exercise can also be beneficial. 7. Stay Informed The Common App platform occasionally updates its interface and features. Make sure you’re familiar with any new changes by visiting the Common App website regularly. Understanding the application portal will save you time and potential headaches later. 8. Utilize Available Resources There are numerous resources available to help you with the Common App process. Online tutorials, webinars, and guides can provide valuable insights and tips. Additionally, consider scheduling a session with Custom College Consulting for personalized guidance tailored to your unique situation and goals. Applying to college is a significant step toward your future, and being well-prepared can make all the difference. By starting early, staying organized, and seeking support, you can navigate the Common App process with confidence and ease.  At Custom College Consulting, we’re committed to helping you achieve your college dreams. Contact us today to learn how we can assist you in crafting a standout application. Best of luck, and happy applying!

One of the most significant decisions a young person makes during high school is choosing where to go to college. It’s far more than selecting a place to earn a degree—it’s about finding the environment where a student will learn, grow, and shape the foundation of their future. As the founder of Custom College Consulting, I’ve guided hundreds of students and families through this process. One of the most powerful tools we use is the college list—a thoughtfully researched, balanced list of schools that reflect a student’s academic profile, personal values, and long-term goals. When done right, building this list becomes a meaningful exercise in self-reflection and discovery. Here are the key elements I encourage every family to consider: Academic Fit The first and most important step is ensuring that the schools you’re considering offer strong programs in your areas of interest. Whether a student knows exactly what they want to study or is still exploring, the college list should include institutions that provide not only the right majors but also opportunities for academic enrichment—such as undergraduate research, academic advising, and flexible curriculum options. An aligned academic environment promotes engagement, motivation, and long-term success. Students should ask: Will I be challenged here? Are there faculty or programs that inspire me? Personal Growth & Well-Being College is a major life transition. A supportive environment that aligns with a student’s personality, values, and goals is essential for their personal development. From campus size and student organizations to diversity, mental health resources, and housing options, every detail matters. I often ask my students: Can you see yourself living here for four years? Will you feel supported, included, and able to grow into your best self? Location & Lifestyle Some students love the energy of a major city, while others are drawn to the community feel of a small college town. Think about location in practical terms: Do you want to be close to home? Do you enjoy cold winters or prefer a warmer climate? Do you want access to internships, cultural experiences, or nature? There’s no “right” answer—just the right fit for you . Financial Considerations Let’s be honest: college is an investment. As important as it is to find the perfect fit academically and socially, it's also critical to evaluate the financial fit. Consider not only tuition and fees but also potential aid, scholarships, and long-term ROI (return on investment). Families should explore financial aid tools, merit scholarship opportunities, and net price calculators to make informed decisions. A dream school should also be a financially sustainable one. Support Systems College can be overwhelming, especially in the first year. That’s why it’s important to look for colleges that offer strong academic and personal support services—from writing centers and tutoring programs to counseling, disability services, and mentoring networks. These support systems often make the difference between surviving college and thriving in it. Career Services & Outcomes At the end of the day, a college degree is a stepping stone to a meaningful career. Look for colleges with robust career centers , internship pipelines, and strong alumni networks. Ask: What’s the job placement rate? Who recruits on campus? Are there programs that support career exploration and networking? A college’s commitment to preparing students for life after graduation should be a key part of your evaluation. Final Thoughts An effective college list should be balanced , typically including a thoughtful mix of reach, target, and likely schools—all of which should be a good fit . This list is more than a to-do item—it’s a roadmap to a successful and fulfilling college experience. At Custom College Consulting, we believe that with the right support and strategy, every student can find colleges that fit their unique needs and aspirations. It’s never too early to start building that list and it’s never too late to refine it. If you or your student need guidance through this process, I’d love to help. Together, we can take the stress out of college planning and replace it with confidence, clarity, and purpose.

Spring break isn’t just for vacations—it’s also the perfect time for high school students to explore college campuses and get a feel for where they might want to spend the next four years. With application season on the horizon, visiting schools now can provide valuable insights that will help students make informed decisions when the time comes to apply. Why Visit Colleges During Spring Break? See the Campus in Action – Unlike summer visits, spring break allows students to experience campus life when classes are in session. You’ll see students walking to class, hanging out in common areas, and engaging in activities—all of which help paint a realistic picture of the college environment. Attend Info Sessions & Tours – Most colleges offer campus tours and admissions presentations, providing an overview of academic programs, campus resources, and student life. These sessions offer a great opportunity to ask questions and learn what makes each school unique. Meet with Professors or Students – If there’s a specific department or program you’re interested in, try to schedule a meeting with a professor or sit in on a class. Talking to current students can also give you an insider’s perspective on what it’s like to attend that school. Explore Beyond the Campus – A college isn’t just its classrooms and dorms—it’s also the surrounding area. Take some time to explore the town or city, check out restaurants, and see if the environment feels like a good fit. To make the most of your visit, plan ahead by checking the college’s website and registering for tours or information sessions. Have a list of questions prepared based on what matters most to you, whether it’s academic programs, housing options, extracurricular activities, or campus culture. Be sure to take notes and photos—after multiple visits, details can start to blend together. Most importantly, trust your instincts. Sometimes, the best way to know if a college is the right fit is simply by being there and imagining yourself as a student.  Spring break college visits can be both fun and productive, helping students narrow down their options and get excited about their future. If you're unsure where to start, Custom College Consulting can help you create a personalized visit plan to maximize your time on the road. Enjoy the journey, and happy touring!

Attending a college fair can be an exciting yet overwhelming experience. Without a clear strategy, it’s easy to leave with little more than a stack of brochures and vague impressions of countless schools. However, with the right approach, a college fair can provide valuable insight into potential colleges, offer direct connections with admissions representatives, and help clarify your college search. Here’s how to make the most of your time at a college fair. Have a Game Plan Before stepping into a college fair, take a moment to consider your college search goals. Are you looking for a specific academic program? Do you have financial constraints that require scholarships or merit aid? Are you interested in study abroad programs, internships, or career placement services? The more you understand your own priorities, the more meaningful your conversations with college representatives will be. Bring the Right Materials Come prepared with a backpack or folder to store brochures and information sheets. Bring a notebook with pre-written questions for college representatives and a pen—although you’ll likely collect plenty of free pens along the way! You’ll also need to fill out information cards for each school you speak with. To save time, consider printing pre-made labels with your name, contact information, intended major, and extracurricular interests. This small step can make the process much more efficient. Dress the Part While there’s no need to wear formal business attire, it’s important to make a good impression. Think “business casual” rather than sweatpants and a hoodie. Dressing as you would for a dinner with a respected relative is a good rule of thumb. First impressions matter, even in casual settings. Ask Thoughtful Questions When you speak with a college representative, use the opportunity to gather information you can’t easily find online. Instead of generic questions like “Do you have a psychology major?” ask about classroom experiences, student-to-faculty ratios, internship opportunities, and support services. Questions about campus life—such as housing options, roommate selection, and meal plans—can also help you determine whether a school is the right fit. Make a Lasting Connection College representatives at fairs often cover specific regions, meaning the person you meet may be the same person reading your application. Making a strong impression can work in your favor. If a particular college interests you, take the extra step of following up with a thank-you email and any additional questions. Demonstrating interest can sometimes be a factor in the admissions process. Final Takeaways By the end of the college fair, you should have gathered useful information, established key contacts, and narrowed down your list of potential schools. Instead of leaving with just a pile of pamphlets, you’ll walk away with insights that can help you make informed decisions about your college future.  If you’re looking for more guidance on navigating the college admissions process, Custom College Consulting is here to help!

Explore your college options at NACAC’s Spring 2025 National College Fairs, where you can connect with colleges and universities all in one place. This year, College MatchMaking™ helps you find schools that align with your interests. Before the fair, you’ll receive a personalized list of colleges based on your preferences, making it easier to connect with your best matches. Before the fair, register online to receive a barcode for quick access to college reps. Print or screenshot your barcode, research attending colleges, and prepare a list of questions. Consider factors like school size, location, majors, and extracurriculars to refine your search. At the fair, visit schools from your College MatchMaking® list and be open to exploring new options. Have reps scan your barcode for follow-ups, take notes on key insights, and attend info sessions on admissions and financial aid. After the fair, review materials, send thank-you emails to college reps, and set up a dedicated email for college communications to stay organized. To learn more about navigating the college planning process, contact Custom College Consulting for expert guidance. Don’t miss this opportunity! Register for a NACAC College Fair near you: https://www.nacacattend.org/fairs

Writing a compelling college essay is one of the most important—and sometimes intimidating—parts of the college application process. Your essay is your chance to share your story, showcase your voice, and stand out in a sea of applicants. Why is brainstorming so important? Why Brainstorming Matters Brainstorming is the foundation of a strong college essay, helping you explore your experiences, values, and perspectives to uncover your unique story. It’s the first step in discovering your voice, allowing you to decide what you want to say and how to say it to admissions officers. It also helps you identify your story. Essays don’t need to focus on dramatic events—small, everyday moments can offer profound insights. This process ensures meaningful experiences aren’t overlooked. Additionally, brainstorming organizes your ideas. With limited word counts, it’s crucial to focus on one clear story or theme. Sorting through your thoughts during brainstorming helps you choose the topic that best showcases your strengths and personality. Finally, brainstorming builds confidence. Starting from scratch can be intimidating, but brainstorming provides a roadmap, making the writing process manageable and even enjoyable. The Class of 2027’s Essay Journey Earlier this week, Custom College Consulting hosted a virtual interactive webinar for the Class of 2027 to kickstart their essay journey. Students were encouraged to think creatively and dig deep into their life experiences. By the end of the session, many students were already excited about potential topics that felt personal and authentic. It was inspiring to see students dive into brainstorming, uncovering stories that reflect their passions, challenges, and growth. We explored strategies to help them craft essays that stand out and truly reflect who they are. If you weren’t able to join us, don’t worry. Check out some tips to get you started. Tips for Effective Brainstorming Reflect on Milestones: Think about moments that have shaped who you are—successes, challenges, or turning points. Ask “Why?”: Go beyond describing what happened. Why did this moment matter to you? What did you learn? Use Prompts: Tools like brainstorming worksheets or essay prompts can spark ideas you might not have considered. Think Small: Sometimes the smallest moments—a quiet realization, a simple gesture, or a personal habit—make the biggest impact. Be Vulnerable: Reflect on personal, authentic moments that reveal your true self, whether through challenges, growth, or honest reflections, allowing admissions officers to connect with your character and story. Collaborate: Share your ideas with someone you trust, like a counselor or mentor. Their perspective can help you identify themes you might not see yourself. Ready to Start? If you’re a junior needing guidance with college planning and essay development, Custom College Consulting is here to help. Schedule a complimentary 30-minute consultation at https://tidycal.com/customcollege today. We’re here to support you every step of the way as you craft your story and prepare for this exciting next chapter.

What to Do If You’ve Been Deferred or Waitlisted: A Guide to Writing a Letter of Continued Interest (LOCI) So, you’ve been eagerly waiting for news from the college of your dreams, only to find yourself in limbo with a deferral or waitlist decision. While this might not be the news you hoped for, it’s important to remember: it’s not the end of the road for your application. Instead of sitting back and waiting, now is the time to take proactive steps to advocate for yourself—and a Letter of Continued Interest (LOCI) is a powerful way to do just that. What Is a LOCI? According to Ethan Sawyer, the College Essay Guy, “A letter of continued interest is an email you send to an admissions office… to let the college know you’re still interested in attending and why.” Essentially, it’s a way to update the admissions team on your achievements and reaffirm your enthusiasm for their school. However, before you start drafting your LOCI, it’s crucial to check whether the college accepts additional materials or updates. Some schools explicitly request that applicants do not send further communication, and ignoring their instructions can harm your chances. Always respect the school’s policies. When Should You Send a LOCI? Timing matters. If you anticipate new achievements, such as an improved GPA, higher test scores, or notable awards, wait until you have those updates before sending your letter. This ensures you have valuable new information to share that strengthens your application. What to Include in Your LOCI? A well-written LOCI can set you apart and demonstrate your genuine interest. Here are the key elements to include: A Personalized Greeting Address the letter to a specific person, such as the admissions representative for your region or the director of admissions. Use their first and last name to show attention to detail. Gratitude for the Opportunity Express your appreciation for being deferred or waitlisted. Emphasize that you’re grateful for the chance to still be considered, as this allows the admissions team to reevaluate your application. A Clear Statement of Continued Interest Reaffirm your strong desire to attend the college. If the school is your first choice, explicitly state this. Mention that you would have applied under Early Decision if that option had been available (if applicable). Specific Reasons for Your Interest Treat this section like a mini “Why Us” essay. Highlight specific programs, research opportunities, faculty, or extracurriculars that excite you. For example, “I’m particularly drawn to the Environmental Science program’s focus on marine ecology and the opportunity to work with Professor Smith on coastal conservation research.” Updates on Achievements Share any new accomplishments since you submitted your application. Examples include: Improved grades or test scores Awards, honors, or scholarships Leadership roles or significant extracurricular involvement A Positive Reflection on Your College Search Mention if visiting other colleges reinforced your belief that this school is the best fit for you. Be genuine and specific. A Polite and Professional Closing End the letter by thanking the admissions team for their time and consideration. Provide your contact information in case they need to follow up. Additional Tips Stay Positive: Your LOCI is not the place to express frustration or disappointment about being deferred or waitlisted. Keep the tone professional and optimistic. Be Concise: Your letter should not exceed one page. Admissions officers have limited time, so make every word count. Proofread Thoroughly: A polished, error-free letter reflects your attention to detail and professionalism. Final Thoughts Writing a LOCI won’t guarantee acceptance, but it can significantly improve your chances by showcasing your enthusiasm, qualifications, and growth. Remember, many students who are initially deferred or waitlisted eventually receive acceptance letters. Use this opportunity to present yourself in the best possible light, and hopefully, the next letter you receive will be one of celebration. Good luck!

Exciting news for students and families: the 2025–26 Free Application for Federal Student Aid (FAFSA) is now live! Originally slated for a December 1st release, the Department of Education expanded its “phased rollout,” giving everyone early access to apply for financial aid for the upcoming academic year. This year’s FAFSA rollout comes with improved confidence after challenges with last year’s redesigned form, which aimed to streamline the application process. With lessons learned, the Department expects a smoother experience this time around. Why You Should File Early Filing your FAFSA early isn’t just about checking a box—it’s about optimizing your opportunities for financial aid. Many schools and states award aid on a first-come, first-served basis, so early submissions can significantly boost your chances of receiving grants, scholarships, and other assistance. How to Prepare for the 2025–26 FAFSA® Ready to get started? Here are some essential steps to ensure a smooth process:  Create a StudentAid.gov account (if you don’t already have one). Learn about the documents you may need to fill out the FAFSA form . Determine your dependency status and whether your parent(s) or spouse will be required to contribute information on your FAFSA form. If you’re a dependent student, use the Who’s My FAFSA Parent? Wizard to identify which parent(s) will be a required contributor on your form. To help you navigate this process smoothly, I highly recommend watching EdPro Collaborative's latest webinar, “Understanding Financial Aid.” It’s packed with practical tips and guidance to ensure you’re fully prepared to maximize your aid opportunities. Visit https://studentaid.gov/h/apply-for-aid/fafsa to complete your FAFSA today.