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<p>You need to worry about this now. There is no point in applying to colleges you can’t afford. This is not good advice from your teachers. Every college has a net price calculator available on their financial aid website. You should work with your parents to run it and see what you would be expected to pay at each college you are interested in. You will also need to look at the website to see what forms they require for financial aid (you will know then if you need the CSS Profile, for example).</p>