Even if you can’t ask them about finances, you can have ALL juniors in and show them how to run NPCs + advise they have a talk with their parents, explaining you’re available if they have any question. Give them a deadline by which they need to know what their parents can afford for college.
Senior year, all colleges they want should have been put through a NPC and they should be able to tell how much each college will cost them “net price”. This way you’re sure they’ve “done their homework” there.
If your school has a mandatory financial literacy class, involve the teachers and plan something “fun” for the whole (segmented) junior class and their parents - a large-group/team challenge or a quiz show/game complete with buzzers and stuff?- where they figure out the flaw in the reasoning; “I have an ACT 33, so I’m going to get merit aid (scholarship) at Harvard”, “my instate flagship will be the cheapest”, “you can work your way through college”, “my parents’ income doesn’t matter, I’ll just take on loans” “it’s easier to get an athletic scholarship than an academic scholarship”, “if you don’t have an ACT 32 and a 4.0 there’s no hope for merit aid”, “I have high stats but I don’t know what to do, so, to save money, I’ll attend a community college and I’ll figure it out later”, “I’m lower income so I’ll qualify for lots of financial aid”, “Questbridge is only for kids whose parents earn less than 40K a year”, “my parents have a lot of credit card debt, so they’ll have a low EFC”, “Fafsa will get me scholarships”, “if it’s a college I’ve never heard of, they’re probably a podunk college with no endowment for scholarships”… those are the most common mistakes but if it’s presented as “stuff other students have said”, it’s not as personal. Yet it provides them with the information they need and should clear up many misconceptions.
Show them their stats as they compare to admitted students as presented on collegedata or in the CDS or any other information site with numbers.
They should know that applying to a public flagship OOS will generally result in zero financial aid and that merit aid varies greatly so they have to do their hw, keeping in mind most merit scholarships have due dates by December 1st senior year.
Equally, if they’re determined to go OOS, they should apply to private universities and especially LACs ranked 40+, since their “national” ranking also depends on their attracting students from accross the country and an application from farther away than 400 miles is likely to generate more interest, often resulting in a boost for admissions and sometimes resulting in preferential packaging (ie., more scholarships).
If you live in TX, their rank percentile will rule where they can attend for public universities but does not apply for privates.
Use the NACAC fee waiver form and check the “fee waiver” without being stingy about the number you grant. If the kid can’t afford the fee, check the box - if income is within federal guidelines even if for religious reasons they don’t eat at the cafeteria, don’t refuse to check the box because they “don’t receive reduced lunch”, don’t assume ONLY students on reduced lunch are eligible (there are actually several other categories that give you a lot of leeway). Selective colleges WANT lower income students to apply -keep in mind that up to 65K Harvard is basically free and up to 180k they offer free tuition. So even if in your community 65K seems like a lot… keep the top colleges’ demographics in mind when determining whether a student whose family is in the 45-65K bracket can get a fee waiver or should stick to the 4 college fees they can afford.
Majors: they only need to know if they want to go into engineering or nursing, depending on the state teaching because those have special, fixed programs.
If they’re really good at something (ie., math or music) and want an appropriate college, that’s something else.
You can use supermatch here, the collegeboard’s bigfuture website, princeton review.
Make sure your school library is stocked with Fiske Guide, Insiders guide to the college, colleges that pay you back, and colleges that change lives.