Student checklist: Preparing for college

July 24, 2023

Preparing to apply for and ultimately choosing a college or university can be daunting. Take these steps to set yourself up for success.

Are you getting ready to apply to the college or university of your dreams? Or do you simply need to start narrowing down your decision? Either way, take these steps to assure you are ready when it is time to apply and make the big decision!

 

9th grade:

  • Establish good study habits.
  • Focus on good grades. Your overall GPA is required on your college application.
  • Meet with your high school counselor one to two times a year to talk about career interests, goals and preparatory curriculum. 
  • Get involved in sports, clubs or volunteer at organizations that interest you.
  • Start a list to track your awards, honors, paid and volunteer work, and extracurricular activities. 

 

10th grade: 

  • Take the PLAN test. It is a great way to prepare for the ACT test.
  • Take challenging courses.
  • Research which college entrance test (ACT or SAT) is best for your situation.
  • Use the college resource center at your high school to research colleges and careers.
  • Gain some work experience at a part-time job to save a portion of your college costs.
  • Add to your list of awards, honors, paid and volunteer work, and extracurricular activities.

 

11th grade:

  • Prepare for and take the ACT and/or SAT tests. There are workshops, books and online practice tests to help you prepare. 
  • Take the PSAT test to see if you qualify for National Merit Scholarship competition.
  • Job-shadow someone for a day to learn more about a career that interests you.
  • Attend college fairs to learn more about colleges and meet their school representatives.
  • Tour colleges – do an overnight to get the “feel” of the campus. Compare school attributes (big vs. small, rural vs. urban, distance from home, etc.).
  • Use the U.S. Department of Labor’s scholarship search to find scholarships. Some deadlines fall as early as the summer between 11th and 12th grades.
  • Contact local civic organizations and employers about scholarship opportunities.

 

12th grade:

  • Take college credits – they're free.
  • Study for and take the ACT or SAT test. If you’ve already taken the test(s), consider retaking to see if you can improve your score.
  • Revisit colleges and determine the best fit. See how your accomplishments align with their requirements
  • Request letters of recommendations – allow teachers and others plenty of time for completion.
  • Write college essays, get feedback from others and be sure to proof it before submitting.
  • Submit admission applications. Follow up with colleges you’ve applied to. Make sure they’ve received all required documents (transcript, letters of recommendation, official test scores, etc.).
  • Create a Federal Student Aid ID. Submit the Free Application for Student Aid (FAFSA) as soon as possible each year. Here's how to apply.
  • If you’ve taken Advanced Placement classes, take the exams to see if you qualify for college credits.

 

You’ve done your part. Now help your parents do their part in your college selection and preparation process with our parent checklist.

Related content

What is a home equity line of credit (HELOC) and what can it be used for?

Preparing for retirement: 8 steps to take

Multiple accounts can make it easier to follow a monthly budget

Estate planning documents: Living trusts vs. will vs. living will

Why estate planning is important

How a Health Savings Account (HSA) can benefit your retirement plan

How to manage your money: 7 tips to improve your finances

Year-end financial checklist

An investor’s guide to marketplace lending

What is a CLO?

Beyond Mars, AeroVironment’s earthly expansion fueled by U.S. Bank

ABL mythbusters: The truth about asset-based lending

Finance or operating lease? Deciphering the legalese of equipment finance

Buying or leasing? Questions to ask before signing a contract

Collateral options for ABL: What’s eligible, what’s not?

Can ABL options fuel your business — and keep it running?

Maximizing your infrastructure finance project with a full suite trustee and agent

Insource or outsource? 10 considerations

The secret to successful service provider integration

Evaluating interest rate risk creating risk management strategy

Managing the rising costs of payment acceptance with service fees

3 reasons governments and educational institutions should implement service fees

Safeguarding the payment experience through contactless

COVID-19 safety recommendations: Are you ready to reopen?

Higher education and the cashless society: Latest trends

Unexpected cost savings may be hiding in your payment strategy

Tech lifecycle refresh: A tale of two philosophies

Changes in credit reporting and what it means for homebuyers

4 benefits of independent loan agents

At your service: outsourcing loan agency work

Middle-market direct lending: Obstacles and opportunities

How to sell your business without emotions getting in the way

5 steps to take before transitioning your business

10 tips on how to run a successful family business

Streamline operations with all-in-one small business financial support

Talent acquisition 101: Building a small business dream team

Make your business legit

How to fund your business without using 401(k) savings

How I did it: Turned my side hustle into a full-time job

Costs to consider when starting a business

How to test new business ideas

How to get started creating your business plan

How to establish your business credit score

The costs of hiring a new employee

How to expand your business: Does a new location make sense?

How jumbo loans can help home buyers and your builder business

When to consider switching banks for your business

5 tips to help you land a small business loan

How to build a content team

Multigenerational household financial planning strategies

LGBTQ+ financial planning tips

Do I need a financial advisor?

5 financial goals for the new year

How to track expenses

How to manage your finances when you're self-employed

Good debt vs. bad debt: Know the difference

Reviewing your beneficiaries: A 5-step guide

Estate planning checklist: 8 steps to secure your legacy

How to talk about money with your family

Financial steps to take after the death of a spouse

6 tips for trust fund distribution to beneficiaries

How to build wealth at any age

Retirement plan options for the self-employed

Retirement advice: How to retire happy

Key milestone ages as you near and start retirement

Retirement income planning: 4 steps to take

Retirement savings by age

Preparing for retirement: 8 steps to take

8 steps to choosing a health insurance plan

What is Medicare? Understanding your coverage options

7 things to know about long-term care insurance

How I did it: Switched career paths by taking an unexpected pivot

Achieving their dreams through a pre-apprenticeship construction program

Working after retirement: Factors to consider

4 steps to finding a charity to support

Year end tax planning tips

Should I itemize my taxes?

Do your investments match your financial goals?

Investment strategies by age

Tips for navigating a medical hardship when you’re unable to work

11 essential things to do before baby comes

How to plan and save for adoption and in vitro fertility treatment costs

Checklist: 10 questions to ask your home inspector

Closing on a house checklist for buyers

Resources for managing financial matters after an unexpected death

What you need to know as the executor of an estate

What documents do you need after a loved one dies?

College budgeting: When to save and splurge

Webinar: 11 insider tips for student debt

Student checklist: Preparing for college

6 questions students should ask about checking accounts

Uncover the cost of a college diploma

How to save money in college: easy ways to spend less

The A to Z’s of college loan terms

Co-signing 101: Applying for a loan with co-borrower

Practical money skills and financial tips for college students

How to build credit as a student

5 things to know before accepting a first job offer

Learn to spot and protect yourself from common student scams

How I did it: Paid off student loans

Bank Notes: College cost comparison

Tips to earn that A+ in back-to-school savings

How to avoid student loan scams

Annual insurance review checklist

From LLC to S-corp: Choosing a small business entity

Webinar: U.S. Bank asks: Are you safe from fraud?

Friction: How it can help achieve money goals

How I did it: Learned to budget as a single mom

Your 5-step guide to financial planning

Uncover the cost: Wedding

Uncover the cost: International trip

What military service taught me about money management

Tips to overcome three common savings hurdles

Adulting 101: How to make a budget plan

Personal loans first-timer's guide: 7 questions to ask

3 awkward situations Zelle can help avoid

How to save money while helping the environment

How can I help my student manage money?

Common unexpected expenses and three ways to pay for them

Which is better: Combining bank accounts before marriage — or after?

Do you and your fiancé have compatible financial goals?

U.S. Bank asks: Transitioning out of college life? What’s next?

U.S. Bank asks: Do you know your finances?

U.S. Bank asks: Do you know what an overdraft is?

Personal finance for teens can empower your child

Is it time to get a shared bank account with your partner?

It's possible: 7 tips for breaking the spending cycle

How to save for a wedding

Here’s how to create a budget for yourself

Don’t underestimate the importance of balancing your checking account

9 simple ways to save

7 steps to prepare for the high cost of child care

Tips for working in the gig economy

Dear Money Mentor: How do I set and track financial goals?

5 reasons why couples may have separate bank accounts

Lost job finance tips: What to do when you lose your job

Money Moments: 3 smart financial strategies when caring for aging parents

Money management guide to financial independence

Money Moments: 8 dos and don’ts for saving money in your 30s

7 financial questions to consider when changing jobs

30-day adulting challenge: Financial wellness tasks to complete in a month

Travel for less: Smart (not cheap) ways to spend less on your next trip

Money Moments: How to manage your finances after a divorce

What’s in your emergency fund?

What you need to know about renting

How to stop living paycheck to paycheck post-pay increase

Understanding guardianship and power of attorney in banking

What financial advice would you give your younger self?

How grandparents can contribute to college funds instead of buying gifts

How to open and invest in a 529 plan

Using 529 plans for K-12 tuition

Your financial aid guide: What are your options?

Is a home equity loan for college the right choice for your student

Parent checklist: Preparing for college

How to apply for federal student aid through the FAFSA

What to consider before taking out a student loan

Are you ready to restart your federal student loan payments?

Everything you need to know about consolidating debts

How to use debt to build wealth

What’s a subordination agreement, and why does it matter?

Understanding the true cost of borrowing: What is amortization, and why does it matter?

7 steps to keep your personal and business finances separate

Your quick guide to loans and obtaining credit

Dear Money Mentor: What is cash-out refinancing and is it right for you?

Overcoming high interest rates: Getting your homeownership goals back on track

For today's homebuyers, time and money are everything

Crypto + Homebuying: Impacts on the real estate market

Should you buy a house that’s still under construction?

House Hacks: How buying an investment property worked as my first home

Your guide to breaking the rental cycle

What are conforming loan limits and why are they increasing

Military homeownership: Your guide to resources, financing and more

How I did it: Bought a home without a 20 percent down payment

Home buying myths: Realities of owning a home

4 ways to free up your budget (and your life) with a smaller home

Money Moments: Tips for selling your home

Money Moments: How to finance a home addition

How I did it: My house remodel

Beyond the mortgage: Other costs for homeowners

10 ways to increase your home’s curb appeal

10 questions to ask when hiring a contractor

5 things to avoid that can devalue your home

Is it the right time to refinance your mortgage?

What to know when buying a home with your significant other

These small home improvement projects offer big returns on investment

Should you get a home equity loan or a home equity line of credit?

Is a home equity line of credit (HELOC) right for you?

How to use your home equity to finance home improvements

How do I prequalify for a mortgage?

Can you take advantage of the dead equity in your home?

8 steps to take before you buy a home

6 questions to ask before buying a new home

4 questions to ask before you buy an investment property

10 uses for a home equity loan

Test your loan savvy

Should you give your child a college credit card?

Car shopping: Buying versus leasing your next vehicle

Take the stress out of buying your teen a car

How to winterize your vehicle

Questions to ask before buying a car

What you should know about buying a car

How to choose the best car loan for you

What you need to know before buying a new or used car

Disclosures

Start of disclosure content

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.