College Advice: How to Prepare, Apply, and Afford College with Confidence

Preparing for college can feel overwhelming — between choosing the right school, keeping grades up, and figuring out how to pay for it all, it’s easy to feel lost. We spoke with Ana Sinicariello, Math, Test Prep Tutor at Learner, Mary Ann Lazar, Director of Philanthropy at Scholarship Institute and Tatiana Rivera, Licensed Professional Counselor, NCC who shared some valuable tips to prepare early, navigate the application process, and find ways to make college affordable — without falling for scams or misinformation.

1. How to Prepare for College (Starting Freshman Year)

Starting early makes all the difference in your college journey. Whether you’re a freshman just beginning high school or a parent helping your teen prepare, these college preparation tips will set a strong foundation for the years ahead.

Focus on academics from day one

Your GPA matters — even classes you take freshman year count. Colleges look for steady improvement, not perfection. Choose challenging courses when possible, especially in core subjects like math, science, and English.

Explore your interests

Join clubs, volunteer, or take part in sports or arts programs. These experiences help you discover what you enjoy — and look great on your college applications later. Admissions counselors appreciate students who pursue activities that reflect genuine passion.

Build good habits early

Ana Sinicariello, Test Prep Tutor at Learner adds: Time management, note-taking, and consistent study routines are skills that truly pay off. Using a planner or digital calendar can help you stay organized and on track. For personalized guidance, consider working with a former admissions counselor or test prep tutor who can help you develop effective strategies.

2. Choosing the Right College for You

There’s no single “best” college — only the best fit for you. When exploring options, think about academics, location, finances, and lifestyle.

Understand different college types

  • Community colleges: Affordable, flexible, and great for earning credits before transferring.
  • State universities: Balanced options with strong academic programs and campus life.
  • Private colleges: Often smaller, with individualized attention but higher costs.
  • Trade and online schools: Ideal for career-focused learners or working adults.

Use tools like College Board and virtual campus tours to research schools and compare programs.

Prioritize what matters most

Tatiana Rivera, Licensed Professional Counselor, NCC recommends to ask yourself:

  • Do I want to stay close to home or move away?
  • What majors or fields interest me?
  • Can I realistically afford this school without major debt?

The goal isn’t just to get into college — it’s to graduate successfully. Choose a place where you can thrive academically and financially.

3. How to Apply for College: Step-by-Step Timeline

Applying to college can seem complex, but breaking it down into a college application timeline makes it manageable.

Junior Year

  • Take or retake the SAT or ACT (or explore test-optional options).
  • Research schools and make a shortlist.
  • Ask teachers early for potential recommendation letters.
  • Start brainstorming college essay topics.

Senior Year

  • August–October: Complete applications directly through schools, or tools like Scholarship Institute.
  • October–December: Submit your FAFSA and CSS Profile for financial aid.
  • January–March: Keep grades strong and respond promptly to admissions requests.
  • April–May: Compare offers and make your final choice.

4. How to Pay for College Without Going Broke

Worried about the cost of college? You’re not alone. The key is understanding all your college funding options — and starting early.

Complete the FAFSA and CSS Profile

The Free Application for Federal Student Aid (FAFSA) is the gateway to grants, loans, and work-study programs through the Federal Student Aid office. Some private schools also require the CSS Profile, managed by the College Board.

The key is understanding all your college funding options and starting early. Tools like Scholarship Institute and similar portals can help facilitate the scholarship search, providing resources for applications and supporting students throughout the process.

Know your aid types

  • Grants: Need-based aid that doesn’t need repayment.
  • Scholarships: Merit-based awards — often from schools or organizations. HeySunday, for example, supports students—particularly those dedicated to causes like environmental sustainability. Similarly, brands like Live It Up recognize that a student’s potential shouldn’t be limited by financial barriers. By offering scholarships for health students and dietitians, they reflect their brand values while directly supporting education.
  • Work-study: Part-time campus jobs that offset costs.
  • Loans: Borrowed funds — use cautiously and compare interest rates.

Tap into scholarships early

Start applying for scholarships as early as sophomore year of high school. Even small awards can add up to major savings. 

.5. Scholarship Application Tips from a Former Counselor

Mary Ann Lazar, Director of Philanthropy at Scholarship Institute recommends: After reviewing thousands of student applications, here’s what truly helps you stand out when applying for college scholarships for high school students.

Apply early and often

Deadlines sneak up fast, and early submissions can increase your chances — especially for limited awards.

Personalize your essays

“The most memorable applications come from students who sound like themselves” says Mary Ann.  Write authentically — tell your story, highlight your growth, and connect it to your goals. Authenticity matters more than perfection.

6. Final Thoughts: College Is a Journey, Not a Race

Every student’s path to college is unique. Some go straight from high school, others take a gap year or start at community college — and that’s okay. What matters most is that you move forward with confidence and clarity.