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Cwp Sophomore Action Plan

Action Plan for College: Freshman Year

Reading time: 5 mins

In your child’s freshman year, everything about high school is new (and sometimes kind of scary). New school, new classes, new classmates, new teachers…your child is starting on the next part of their journey, and they know that things will continue to change for them in the future as they start to prepare for college. 

Whether your child pursues a traditional 4-year university, a career, or enters the military, now is an excellent time to lay the foundation for the years ahead.

Let’s back up to BEFORE freshman year.

During January and February of a student’s 8th-grade year, they will select courses for their first year of high school. Often, their choices will be limited to general education requirements they need for graduation, with a few electives thrown in.

Students and parents can look forward a bit and see what options they have in the future.

Maybe they see some exciting electives they’d like to take during their junior year? Maybe they’d like to take college courses in high school to get ahead?

They may have some prerequisites to plan for or need to make sure they have the space in their schedule. It is a good time to do some preplanning, and they’ll be excited by the prospects ahead.

High School

When college-bound students start their freshman year, the high school GPA calculator kicks into gear. For perhaps the first time, a student’s grades count toward something. Their future college application will include grades from classes taken in 9th, 10th, and 11th grade (and perhaps 8th if they took high school credit that their district includes in the GPA). It is time to get more serious. Here are a few things to work on:

  • Encourage a student to do well in their classes.
  • Please help your child be organized and set goals for the school year to help them stay motivated and focused.
  • Support the student and make a plan to check in regularly about schoolwork. By staying on top of their assignments, you can head off problems early.
  • Arrange to meet with your counselor to establish a relationship in the future.
  • Read outside of class.
  • Start testing out different extracurriculars to see what they might be interested in.

Career Thinking

At this point, most freshmen do not know what they want their career to look like. They only know about the careers they are exposed to in their own lives (parents, other adults they know, TV).

Now is the time to do some general thinking and research.

What things is your student interested in?

Research different careers–Google, YouTube, Occupational Outlook Handbook, summer camps. (Summer is a great time to explore interests; these meaningful summer experiences are good for college applications.)

Dig into:

  • What schooling/training do different careers require
  • What average salaries look like
  • What the job market in different industries looks like

The more information a student can gather, the better they can get a feel for what type of job might be a good fit.

Something else to consider…Did you know that nearly 80 percent of the jobs in the military are non-combat occupations? If the student is interested in the military, do your research and meet with recruiters. Read more about paying for college with military service by clicking here.

Preparing for College

Students have many decisions available to them for life after high school–career, trade school, community college, military, 2-year or 4-year degree. All are excellent choices depending on the student and their future goals.

As freshmen, they can build their resume of extracurricular activities, community, and work experiences. These activities are great ways to feel more engaged in school. All are valuable nuggets of information on the college application. A student does not need 10 different activities. Colleges would prefer that students have one, two, or three activities that they pursue, show passion for, and grow into over the years.

Start keeping track of all the details about honors/awards, activities, community service, extracurricular activities, and leadership positions in the student’s high school years. You’ll need that information when they apply to college. You don’t want to be trying to recreate that information in August of a child’s senior year.

Perhaps families take some time to visit a college campus together. It’s a great way to get your child excited about college. At this point, freshmen can wander a campus with their families to get a feel for it and explore a college fair that typically is scheduled in the fall and spring–no expectations.

Students can work on narrowing down the types of colleges they are interested in based on their preferred criteria–big vs. small, urban vs. rural vs. suburban, etc. Our blog about college visits can help. They can start a very general list of colleges that sound interesting.

Paying for College

When students start thinking about colleges, parents start thinking (maybe worrying?) about how to pay for it. Freshman parents may not even realize how much it will cost. 

Make it a priority to have a conversation about college money with your student. Our blog is an excellent tool for this discussion. It is so important (and will avoid much heartache) if parents and students are on the same page about how much they can afford! We have seen too many parents struggling to tell their children “no” when college is too expensive.

Get the facts about what colleges cost and learn about financial aid, scholarships, loans, work-study, etc. Parents need to understand how all the puzzle pieces fit together. Freshman year is NOT too early to start this learning. What aid is available, and how do you qualify for it?

Testing – PSAT, ACT, & SAT

Testing, testing, testing. In high school, the standardized state-required testing continues and picks up the pace.

Sometimes, freshmen are ready to take the ACT or SAT for the first time for practice. Taking the actual exams early is a great practice to understand the topics covered and the timing involved. In addition, the math sections test heavily on Algebra II and Geometry so taking these tests at the end of the completion of these math courses is the perfect time before losing any of that knowledge.

If a student has an IEP or 504 Plan, families will want to speak with their guidance counselor about accommodations for the ACT and SAT. This process is lengthy, so get started as soon as possible.

While the possibility of applying to college without providing ACT or SAT scores is a reality, merit aid/scholarships still often rely on those scores when determining awards.

Summer Before Sophomore Year

Summer (and the spring semester!) before your student’s sophomore year is also a great time to discuss money, as mentioned above. No school responsibilities are hanging over their heads–a good time for family talk.

Summer is also a great time to explore interests and learn new skills at meaningful summer camps.

As a parent, you will be surprised by how fast these years fly by. Enjoy your time together as a family as the journey to life after college begins to race towards the finish line in their sophomore year.

Updated January 2025.

About the Author

Picture of Joe Messinger, CFP®

Joe Messinger, CFP®

Joe Messinger, CFP®, ChFC, CLU, CCFC is on a mission to end the student loan crisis one family at a time. He created the innovative College Pre-Approval™ system and has trained thousands of advisors across the country on how to seamlessly guide families through the college-funding maze with confidence and ease.

Messinger is a Co-Founder of College Aid Pro™, the award winning FinTech solution that takes the hassle out of late-stage college planning. A proud graduate of Penn State University, he is also Partner and Director of College Planning at Capstone Wealth Partners, a fee-only RIA.

Joe serves as a member of the Advisory Board for the American Institute of Certified College Financial Consultants (AICCFC) and the NAPFA Foundation College Affordability Project.

He is known as an industry thought leader in the area of college financial planning. He regularly speaks at industry conferences for the Financial Planning Association (FPA), National Association of Personal Financial Advisors (NAPFA), and the XY Planning Network (XYPN). His work has been featured in The Journal for Financial Planning, Financial Advisor Magazine, US News, and Bloomberg to name a few.

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Capstone Wealth Partners is a fee-only independent Registered Investment Advisor in Columbus, Ohio. We are financial planners for college-bound families.

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