High School Guide to College Planning for 2025

by Imed Bouchrika, Phd

Co-Founder and Chief Data Scientist

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The college application process is notoriously stressful. A majority (72%) of students surveyed by the Princeton Review in 2023 reported high or very high stress because of it—stress that could affect their performance in the last stretch of high school.

Planning for college early can take some of the pressure off, especially if you are the kind of student with lots of activities on your plate. This guide outlines a practical timeline and key steps for effective college planning while in high school.

Key Things You Should Know About College Planning in High School

• Planning for college starting in ninth grade will give you more time to research schools and financial aid opportunities.
• You can expect to pay between $11,260 and $41,540 in tuition and fees for a four-year degree.
• Lower tuition and higher amounts of aid are making college more accessible to students than ever.
• High school grades and the strength of your school’s curriculum are the top factors in college admissions decisions.
• There are many resources to help you start college planning, from your school counselor to online college rankings.
• You can also consider alternatives to the traditional college degree, like certificate programs or online bootcamps.

Table of Contents

1. Why should I start planning for college early?
2. How do I begin planning for college?
3. What resources are available to support early college planning?
4. What are the best courses to take in high school for college?
5. What are the most important factors to consider when choosing a college?
6. How much does college cost?
7. What are the different types of financial aid available?
8. What are the different requirements for college applications?
9. When should I start preparing for college?
10. When Should I Apply for Student Loans?
11. Are online degree programs a smart alternative to traditional education?
12. Can a 2-year degree lead to a $100k salary?
13. Will accelerated online degree programs fast-track my career progression?
14. What career opportunities do trade school certifications provide?
15. How long does it typically take to secure student loans?
16. How can I access emergency student funding quickly?
17. Is a short-term degree program a viable option for early career entry?
18. Are accelerated online programs a viable alternative to traditional college routes?
19. How easy is it to get into college?
20. What are some alternative options to a traditional college degree?
21. How do I plan for specialized education paths like vet schools?
22. What are the latest trends in high school college planning?
23. What are some ways to make the most of college visits?
24. Other things you should know about college planning

Why should I start planning for college early?

While college may seem far off, it is a good idea to start planning early. Many people underestimate the amount of work that goes into applying and end up burnt out from the process.

College planning as early as 9th or 10th grade means you can break your preparation down into manageable steps. You have more time to compare schools, look into different majors, and look for financial aid. You will also be able to improve your grades and craft a strong resumè, which can result in stronger applications. By the time you reach senior year, your college application process will be smooth sailing.

How do I begin planning for college?

1. Define Your Interests and Career Goals

A 2023 study by Gallup found something remarkable: 71% of professionals with an associate’s degree report their job aligns with their interests and talents, compared to just 58% of workers without any postsecondary education. This gap widens even further for those with higher degrees. It is clear: choosing a path that excites you leads to greater career satisfaction.

Before college comes, you must know yourself well. Try different classes, volunteer for organizations that interest you, and take career quizzes. Doing these things can help you identify what you will enjoy doing in the future.

2. Consider Where You Want to Study

When planning for college, it is crucial to consider where you want to study. Look at different schools to find the one that aligns with your learning style and personal preferences. You can create a shortlist of schools early on and reflect on the following questions while you evaluate your options:

• Do you want to study nearby or out of state?
• Will you enroll part-time or full-time?
• How much are you willing to pay for college, and are you willing to take on debt?
• What extracurriculars are important to you, and does the school offer them?
• What facilities and resources should your school have?

Think of other factors that are important to you and rank schools based on your own criteria. For example, you can look up colleges with highest starting salary or high acceptance rates.

3. Create a Budget for College

Creating a budget is another essential part of college planning. Take the time to research the average costs associated with the schools and programs you will apply to. Think about whether you want to study in-state, out-of-state, or online, and enroll full-time or part-time. Another thing you must consider is non-academic costs: the cost of things like learning materials, transportation, meals, and housing. These factors all affect the price you will pay for your degree.

4. Look into Financial Aid

While the cost of college may seem intimidating when you add all the numbers up, there are many different types of financial aid you can apply for, including scholarships, grants, and loans.

You should also get familiar with the Free Application for Federal Student Aid (FAFSA), which you can use to apply for financial aid. This form helps the government determine your eligibility for federal grants, loans, work-study programs, and more. The FAFSA is available online through the United States Government website.

5. Build Your Skills and Resumè

College admissions committees do not only look for applicants with good grades; they also value those with well-rounded resumés. Join extracurricular activities that interest you and take on leadership roles where possible. Every experience, from internships to community service, can add valuable skills and context to your college application.

What resources are available to support early college planning?

There are many resources available to support you through the college planning process. For personalized support, you can reach out to your school counselor. They can offer insights on choosing your school or major and give tips to improve your college applications. They can also refer you to college fairs, financial aid opportunities, and essay-writing seminars from local organizations.

Apart from your counselor, you can consult online resources from the College Board and the National Association for College Admission Counseling (NACAC). Their online resources provide detailed information on colleges, application-related deadlines, and financial aid options.

What are the best courses to take in high school for college?

As early as ninth grade, you can prepare for college by working on getting good grades in core subjects like math, English, science, and social studies. It also matters how rigorous your classes are: according to NACAC, 77% of colleges consider grades in college prep classes to be a top factor in admissions. As such, you should aim for honors or Advanced Placement (AP) classes when possible. The chart below shows the top five factors affecting college admissions decisions.

Apart from core classes, consider taking electives that align with your interests. Doing this can help you decide which major to pursue in the future. If you are still wondering: “what degree should I get?", you need not worry. Many schools allow students to enroll in undeclared majors, which leaves you with more time to decide.

What are the most important factors to consider when choosing a college?

When college planning, look at schools with a strong reputation in your desired field of study. For example, if you want to enter careers in cognitive psychology, a research university may be a better fit than a liberal arts university.

It is also crucial to consider how well your school will help you reach your career goals. Factors like a school’s accreditation status, employer satisfaction rate, and job placement rate will give you an idea of how well employers receive graduates of your potential schools.

How much does college cost?

The cost of college varies depending on several factors, including the type of school you attend, its location, and whether you are studying in-state or out-of-state. According to the College Board, the average published tuition and fees for full-time students for the 2023-2024 school year are as follows:

• Private nonprofit four-year: $41,540
• Public four-year out-of-state: $29,150
• Public four-year in-state: $11,260
• Public two-year in-district: $3,990

Apart from these school-mandated fees, do not forget to account for the cost of learning materials, housing, meals, and transportation in your budget. According to Hanson, the average college student pays between $339 to $600 for books and supplies and about $12,111 for meals and housing annually.

What are the different types of financial aid available?

You will encounter many different types of financial aid opportunities while college planning. The types of aid available for high schoolers going into college include:

• Grants and Scholarships. These are types of “gift aid," or free money, that do not have to be repaid. They are available through federal and state governments, schools, and private organizations. They are granted to students who meet set criteria, like financial need or academic performance. Some institutions also give scholarships or grants to students with artistic, musical, or athletic talent.
• Student Loans. Offered by federal and private organizations, loans are borrowed money that must be repaid with interest. You can look into different types of providers, like federal institutions or private lenders. You can also choose from options like subsidized loans (where interest is covered by the government while you are in school) and unsubsidized loans (where interest accrues even during your studies).
• Work-Study Programs. Work-study programs connect students with part-time jobs to help them earn money for education-related expenses. They encourage community service work and work related to the student’s course of study.

You must look up and apply for financial aid early. According to the College Board, grant aid significantly reduced tuition and fees for first-time students in the 2023-2024 academic year. At private nonprofit four-year schools, grant aid reduced first-time students’ net tuition and fee payments to $15,910. Students in public four-year institutions had net payments lowered to $2,730, while many of those in public two-year colleges had the entire tuition and fees covered.

What are the different requirements for college applications?

Whether you go for the hardest or easiest college majors, most schools require undergraduate applicants to submit the following prerequisites:

• A high school diploma or equivalent, like a GED
• Academic transcripts from your high school
• Standardized test scores, like the SAT or ACT
• Application essays
• Application forms and fees
• Letters of recommendation

Depending on your major, you may also be required to hand in supplemental materials like portfolios, resumes, or specific test scores. The college application requirements will vary between schools and programs, so you must note the prerequisites for every program you will apply to.

When should I start preparing for college?

College planning can be overwhelming when you do not have a roadmap to follow. To help you navigate the process, our team has created a list of steps you can take for every year in high school.

Early Start (9th-10th Grade):

• Work on getting good grades in core subjects like math, science, and English.
• Establish time management skills and good study habits.
• Participate in extracurricular activities, clubs, and volunteer work.
• Do some research about different career paths.
• Start planning for standardized tests like the SAT or ACT and enroll in test prep courses if needed.

Mid-Point (11th Grade):

• Start attending college-related events.
• Consider taking AP and other higher-level classes.
• Put together a shortlist of schools and college majors that interest you.
• Begin researching financial aid and scholarship opportunities.
• Brainstorm and write drafts of your college admissions essay.
• Identify teachers, counselors, or mentors who can write compelling letters of recommendation on your behalf.

Late Start (12th Grade):

• Attend college fairs and campus visits or virtual tours.
• Maintain good grades and complete all graduation requirements.
• Fill out the FAFSA and apply for different types of aid.
• Apply to colleges and commit to the one you are most excited about attending.

All these tasks and processes sound daunting, which is why many students undertake the college preparation process with their parents. With their parents and other more experienced people in their lives, students can discuss topics like money management and maintaining safety and good health. These discussions can help ensure a smoother transition to college for both students and parents.

When Should I Apply for Student Loans?

Timely loan applications are critical for effective financial planning in higher education. Assess your financial needs alongside college application timelines to ensure you receive adequate funding without incurring unnecessary debt. Evaluate various lending options and eligibility requirements, and coordinate with financial aid advisors to integrate loan decisions into your overall college planning strategy. For detailed advice on timing your application, review when to apply for student loans.

Are online degree programs a smart alternative to traditional education?

Online education programs are increasingly recognized for their flexibility and competitive career outcomes. When evaluating these programs, prioritize accreditation, curriculum rigor, and instructor expertise to ensure they meet industry standards. Additionally, assess student support services and technology resources, which are key to maintaining academic momentum and engagement. For those interested in exploring accelerated or nontraditional pathways, some institutions offer quick degrees online that pay well, providing an alternative route to a successful career.

Can a 2-year degree lead to a $100k salary?

Recent industry data highlights that focused programs can bridge the gap between academic preparation and high-earning career opportunities. Certain two-year programs offer specialized training, relevant certifications, and practical experience that appeal to employers in competitive fields. By evaluating these programs against metrics such as post-graduate employment rates and salary growth, students can strategically align their education with market demands. It is worthwhile to investigate options like a 2-year degree that pays $100k for a streamlined and effective pathway into lucrative careers.

Will accelerated online degree programs fast-track my career progression?

Accelerated online degree programs are designed to minimize downtime between academic terms while maintaining rigorous standards. These programs offer flexibility to balance studies with work or personal commitments and enable a quicker return to the workforce. For example, specialized programs such as the doctorate online are structured to deliver advanced expertise in a shortened timeframe without compromising quality. When evaluating these programs, consider factors such as accreditation, curriculum innovation, and industry partnerships to ensure the pathway aligns with your long-term career goals.

What career opportunities do trade school certifications provide?

Trade school certifications offer targeted, hands-on training that can open doors to high-demand industries with competitive salaries. They often require less time and financial investment compared to traditional college degrees while providing practical skills that employers value. This pathway can be particularly beneficial for students seeking immediate entry into fields such as healthcare, technology, construction, and automotive services, where specialized courses and certifications lead to rapid career advancement. For a comprehensive overview of potential career outcomes linked to this approach, review details on trade school certifications.

How long does it typically take to secure student loans?

Securing student loans involves several steps and timelines that can vary by lender and individual circumstances. Applicants must ensure that all required documentation is complete and accurate, as this can speed up the processing time. Timely submission of credit information, financial records, and completed applications is critical to avoiding delays. Students are encouraged to begin the process well before college enrollment deadlines and maintain communication with their financial aid advisors for real-time updates. For details on specific processing durations, consult How long does it take to get a student loan?.

How can I access emergency student funding quickly?

In cases of unexpected financial shortfalls during your college planning, identifying fast-track funding options is critical. Some lenders offer expedited processing programs that can help secure funds for urgent expenses. Applying through a student loan fast program is one such solution that streamlines documentation and approval. Students should carefully review eligibility criteria and required documents to ensure a smooth process. Coordination with financial aid advisors can further tailor emergency funding to fit long-term educational strategies.

Is a short-term degree program a viable option for early career entry?

For students who are eager to begin their careers without committing to a traditional four-year schedule, short-term degree programs offer a streamlined alternative. These programs focus on imparting industry-relevant skills through an accelerated curriculum, often delivered online. They provide a fast track to employment by emphasizing practical training, flexible scheduling, and a direct link to current market needs. Depending on your career goals, evaluating factors such as accreditation, program outcomes, and post-completion support is crucial. Students interested in this pathway can explore options like the accelerated online associates degree to gain a competitive edge in high-demand fields.

Are accelerated online programs a viable alternative to traditional college routes?

Accelerated online programs offer a condensed pathway to earning a degree by leveraging flexible scheduling, competency-based learning, and targeted curriculum design. These programs are crafted to meet industry standards while minimizing downtime between academic terms, thereby potentially reducing overall education expenses and enabling an earlier entry into the workforce. When evaluating these options, consider factors such as accreditation, program outcomes, and support services to ensure the program aligns with your long-term career objectives. For more detailed insights into these learning pathways, explore accelerated bachelor degree programs online.

How easy is it to get into college?

Getting into college is challenging but possible with hard work and preparation. Early college planning will give you time to work on your grades, secure high-quality recommendation letters, prepare for standardized tests, and more. Taking these steps can help increase your chances of getting accepted to your dream school.

The selectivity of your school will also affect your chances of getting in. For your reference, we have listed the acceptance rates for some popular colleges in the table below.

While some colleges have low acceptance rates, the average college admits as much as 60% of students who apply. Even so, we must note that those with very high acceptance rates may not have the same academic rigor as more selective schools.

What are some alternative options to a traditional college degree?

Choosing a path after high school can be daunting, and a traditional college degree is not the only way to achieve your career goals. While you are college planning, you can also consider alternative education methods like:

• Certificate Programs. Offered at community colleges or trade schools, these programs can be completed in a few months and result in a professional certification.
• Trade Schools. Trade schools prepare students for specific careers, primarily through practical training. Many trade schools offer courses in disciplines like the culinary arts, auto repair, or medical technology.
• Self-paced Free and Paid Resources. Online resources and courses can provide valuable knowledge and skills for specific careers, often free or offered at a lower cost than traditional college.
• Online Bootcamps. Online bootcamps are intensive, short-term training programs that teach specific technical skills. For example, coding bootcamps help aspiring career switchers build their skills in programming and web development.

How do I plan for specialized education paths like vet schools?

Planning for specialized education paths, such as veterinary schools, requires a highly tailored approach. Unlike general college preparation, pursuing a veterinary career demands a strategic focus on both academic and extracurricular factors.

• Focus on Prerequisite Coursework: For students aiming for veterinary schools, high school years are ideal for building a foundation in sciences like biology, chemistry, and advanced mathematics. Taking Advanced Placement (AP) courses in these subjects can be particularly advantageous. Additionally, exploring electives like anatomy or agriculture science (if available) helps demonstrate an early interest in the veterinary field.
• Build Relevant Experience: Admissions committees for veterinary schools value applicants with hands-on experience in animal care. Seeking volunteer opportunities with local animal shelters, veterinary clinics, or farm operations can enhance your application. Participation in programs like 4-H or Future Farmers of America (FFA) is also a valuable differentiator. These activities exhibit your commitment and passion for understanding animal health and welfare.
• Explore Early-Entry Programs: Some universities offer early-entry or pre-veterinary programs to high school students. Research schools that feature direct pathways to Doctor of Veterinary Medicine (DVM) programs and assess their requirements. Strengthening your application early benefits both traditional undergraduate admissions and future veterinary school applications.
• Plan for Financial Responsibilities: Vet schools are among the most expensive graduate programs to pursue. To reduce future financial burdens, explore scholarships, grants, and loan programs geared toward veterinary education. For a comprehensive guide to navigating funding options, explore resources on paying for vet school, which detail loans specifically designed for veterinary students.

Strategic early planning not only clarifies the steps required for a veterinary career but also increases your chances of entering competitive vet schools.

What are the latest trends in high school college planning?

Planning for college while in high school has evolved significantly in recent years, influenced by technological advancements, changes in educational priorities, and growing awareness of financial options. Understanding these trends can help students and parents navigate the process effectively.

• Increased Use of Technology. Platforms like virtual campus tours, college comparison sites, and AI-driven career match tools are becoming standard resources for online college planning. Tools such as the Common App and Coalition App streamline the application process, making it easier to apply to multiple schools at once.
• Early Financial Planning. Many high schools now include financial literacy courses to help students understand costs, scholarships, and loans. Additionally, students are exploring flexible funding options, such as student loans with no credit check, which provide opportunities for those without established credit histories.
• Holistic Admissions Focus. With many colleges adopting test-optional policies, students are placing greater emphasis on extracurricular activities, essays, and recommendation letters. Colleges are also prioritizing diversity and inclusion, encouraging applicants to highlight their unique backgrounds and experiences.
• Emphasis on Alternative Pathways. High school students are increasingly earning college credits through dual enrollment programs, which save both time and money. Meanwhile, awareness of vocational programs and non-traditional degrees is growing, offering viable alternatives to four-year universities.

To explore financial solutions for college planning, including loans for students without credit, visit our guide on student loan no credit check. Staying informed about these trends ensures a smoother transition from high school to higher education.

What are some ways to make the most of college visits?

College visits are an essential part of the decision-making process, as they offer a firsthand look at campus life, facilities, and the student community. Planning effectively can ensure that students gain valuable insights to make informed choices. Here are some tips to maximize the benefit of college visits:

• Plan Visits During Regular Classes: Visiting when classes are in session allows you to see the campus’s real environment. You can observe the student body, classroom settings, and overall campus energy, which can help you determine if it feels like a good fit.
• Attend a Class in Your Potential Major: Many colleges allow prospective students to sit in on a class. This can provide a glimpse into academic life and the teaching style of faculty in your area of interest.
• Explore the Campus and Nearby Area: Beyond the main tour, explore other campus facilities, including dorms, dining halls, and libraries. Walk around the surrounding town or city to assess the broader environment you’d be living in.
• Speak with Current Students: Approach students outside of the guided tour to get a candid view of college life. Ask about the social scene, workload, and general experiences that may not be covered in official tours.
• Take Notes and Compare Campuses: Document your impressions immediately after the visit. Comparing notes from different campuses can help clarify which aspects of each college align with your personal preferences and priorities. There are various degrees in education, ranging from liberal arts to specialized technical programs, and assessing how each college caters to your academic and professional goals will help refine your decision.
• Evaluate Campus Resources: Check out resources available to students, such as career centers, mental health services, and student organizations. These services play a significant role in supporting students’ success and well-being.

Other Things You Should Know About College Planning in High School

How will college prepare me for life?

More than a bridge to a masters degree, your undergraduate years will bring significant personal growth. In college, you will gain essential skills like communication, teamwork, and critical thinking, which you can leverage in any career. Through acts like managing your time and handling challenges independently, you will also learn how to fend for yourself in the real world.

Is a 4 year college necessary for a successful future?

A college degree is not a prerequisite for success. Some careers may not require a degree, and individuals can be successful through alternative paths. However, there is evidence that higher education can positively impact career prospects and personal development.

A 2023 report by Gallup shows that on average, associate degree holders earn approximately 60% more than workers without postsecondary education. Meanwhile, bachelor’s degree holders make more than twice as much. In the same report, Gallup also found that bachelor’s degree holders are more likely to be in good health and donate money to charity than their peers with no college degree.

Can you finish 4 years of college in 2 years?

It is possible to finish a four-year college degree in two years. Some strategies to achieve this include:

• Dual Enrollment. Earning college credit while still in high school can help reduce the number of courses needed to complete a degree.
• Accelerated Programs. Some colleges offer accelerated degree programs that allow students to complete their studies in less time.
• Summer and Night Classes. Taking additional classes during summer breaks and in the evenings can help students complete more credits in a shorter period.
• Transfer Credits. Transferring credits from other institutions or earning college credit through work can help reduce the number of courses needed to complete a degree.

While there are multiple ways to accelerate your learning, graduating in two years may not be the best choice for everyone. Condensing four years’ worth of lessons in two years will result in a more rigorous curriculum, which can result in increased stress and a lack of time for extracurricular activities.

How do college rankings work, and do they matter?

College rankings, like the ones we have on Research.com, are lists of schools ranked based on various criteria like academic reputation, selectivity, faculty credentials, and student outcomes. While college rankings can be good to reference as you plan for college, they should not be the only factor in deciding where to attend. You must consider rankings besides other factors you value, such as the school’s campus culture, extracurricular activities, and financial aid. Evaluating schools against your criteria will help ensure you enter the best-fit college.

Why is academic writing important for college success?

Academic writing is a foundational skill in college that goes far beyond just writing essays. It teaches you how to think critically, structure ideas logically, and support arguments with credible evidence—skills essential for success in nearly every field. Whether you're completing research papers or contributing to class discussions, your ability to write clearly and persuasively reflects your readiness for college-level work. Understanding the principles of academic writing early on can make the transition to college much smoother and help you stand out in your coursework.

References:

• College Board. (n.d.). Trends in College Pricing Highlights. College Board Research. Retrieved January 19, 2024, from https://research.collegeboard.org/trends/college-pricing/highlights
• College Data. (2021, July 27). Transition to College: Here’s What Students Have to Say About It. College Data. Retrieved January 19, 2024, from https://www.collegedata.com/resources/transition-to-college/transition-to-college-survey-results
• Hanson, M. (2023, November 3). Average Cost of College Textbooks [2023]: Prices per Year. Education Data Initiative. Retrieved January 19, 2024, from https://educationdata.org/average-cost-of-college-textbooks
• Hanson, M. (2023, November 18). Average Cost of College [2023]: Yearly Tuition + Expenses. Education Data Initiative. Retrieved January 19, 2024, from https://educationdata.org/average-cost-of-college
• Transition to college or how to deal with the empty nest syndrome – Tips for parents. (2024, June 28). IvyPanda®.
• National Association for College Admission Counseling (NACAC). (n.d.). Factors in the Admission Decision. National Association for College Admission Counseling (NACAC). Retrieved January 19, 2024, from https://www.nacacnet.org/factors-in-the-admission-decision
• The Princeton Review. (2023, March 15). 2023 College Hopes & Worries Press Release. The Princeton Review. Retrieved January 19, 2024, from https://www.princetonreview.com/press/college-hopes-worries-press-release-2023
• Selingo, J. (2022, March 23). The College-Admissions Process Is Completely Broken. The Atlantic. Retrieved January 19, 2024, from https://www.theatlantic.com/ideas/archive/2022/03/change-college-acceptance-application-process/627581