Planning Strategies

Save some today, borrow less tomorrow

“College is in our future — how can we prepare?”

Grades 6 through 8 are a great time to start thinking about future careers and interests — and how college or higher education programs can help you get there.

Middle school is the time to start considering careers — and to work as a family to determine how you can plan for college expenses. College is affordable, especially if you start your preparations early.

Focus on classes and study habits

Parents: Make sure your middle schooler is taking the fundamental classes and is forming good study habits. Help them show up at school well-rested and solid prepared for the day. Talk to their guidance counselor each year about course options and extracurricular activities. And work with your student to decide which ones match their interests and will help them succeed in high school and beyond.

Students: Study, work hard and do your best to earn good grades. If you are having trouble, don't give up — ask a teacher or friend for help, or see if you can get a tutor or mentor to work with you.

Explore your interests

Begin thinking about career possibilities and look into many different occupations. Become involved in extracurricular activities that will help you meet new people, learn new things and determine what you really like to do. Join some community organizations, volunteer at a hospital or “shadow” someone who has a job that interests you. Look into summer and weekend programs as well as career exploration opportunities available through your school or local colleges. Challenge yourself to try new activities!

Start a savings account and check out funding options

Students with a college savings are nearly twice as likely to attend college than students with no college savings.

A savings account is a great way to help pay for college. Build a monthly payment for college into the family budget. Consider having automatic payments drafted directly to the account. This will help you save regularly and make saving for college a family habit. Remember, many funding options are available to help you pay for college!

Sit down with your family and look into 529 college savings plans. State-sponsored 529 plans are one of the best ways to save for college. They offer tax advantages and tuition opportunities you can’t get from other savings plans.

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