you might want to read thru the pages at http://www.psychologicalselfhelp.org/Chapter4/chap4_78.html about procrastination. While I’m no psychologist, I wonder if the “afraid of failing” description fits? Someone planning on a high-end college can see themselves as capable of great things but of course the reason they didn’t do so on this or that assignment is they started late so it wasn’t a fair measure. And by constantly starting late they avoid ever having to face the chance that they can’t do the amazing work they see themselves as capable of.