salma, - legacy is also a hook so yes your friend’s daughter has a real good chance at Harvard. If you’re a single mom, you should get plenty financial aid, don’t worry about the cost of private college yet, think of the cost as a sticker price of car, nobody pays the sticker and you won’t either. And colleges know which families can afford college planning and which won’t. Study for the PSAT but take the SAT around the same time, so the PSAT studying will help in taking the SATs.