Rhode Island Monthly Higher Learning 2016 : Page 14

colleges and universities, tuition, fees, room, board and books now top $60,000. Too many parents and students start late and miss out on great options for colleges or funding. Families should have a college list in place no later than January of eleventh grade. They should complete all their campus visits by September of senior year and understand their financing options and paperwork obligations before applications are filed. When financial aid offers come in, families need to carefully evaluate the amount of loans versus money that does not have to be repaid in order to avoid saddling students with hefty payments after graduation. Having an honest discussion with your child about how much you can afford is also extremely important. With more than 3,200 colleges in the United States, there are options for every type of student and budget. It just takes careful planning and research in order to have the best outcome. HL Cristiana Quinn, M.Ed., is the founder of College Admission Advisors, LLC, which provides strategic college counseling, SAT prep and athletic recruiting services. Rhode Island (now in a convenient travel pack) GuideRI.com 14 RHODE ISL AND MONTHLY I higher le arning I 2016 on your smartphone, tablet or laptop.

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