From choosing a school and paying for it to the money and life skills they’ll need, and how to stay close once they go. For every path after high school, college or not.
What to do when, starting in 9th grade
9th grade
Ages 14+
Grades count from day one. Many colleges and scholarships look at all four years.
Try activities and stick with the ones they love. Depth beats a long list.
Start a simple record of activities, awards, volunteering and jobs.
Talk about interests, not colleges yet.
Dad tip: Your job this year: notice what lights them up.
10th grade
Ages 15+
Keep grades steady and take the most challenging classes they can handle well.
Explore careers through job shadowing, summer programs or a part-time job.
Consider a practice PSAT if their school offers one.
Start a family conversation about what college or training might cost.
Dad tip: Visit a nearby campus casually, just to see what one feels like.
11th grade
Ages 16+
Take the PSAT/NMSQT in the fall. Strong scores can qualify for National Merit recognition.
Plan SAT or ACT dates if the colleges on their list want scores.
Build a balanced list: reach, target and likely schools, plus non-college options.
Visit campuses, and ask teachers for recommendations before summer.
Start drafting a personal essay over the summer.
Dad tip: This is the big research year. A weekly 30-minute planning session together keeps it manageable.
12th grade
Ages 17+
Fall: finish applications. Early deadlines are often November 1 or November 15.
File the FAFSA as early as possible, plus the CSS Profile if needed.
Winter: regular deadlines, often in January. Keep applying for scholarships.
Spring: compare financial aid offers side by side, using the real cost after aid.
Commit by May 1, the national decision day at many colleges.
Dad tip: Celebrate every submitted application. The work deserves recognition, whatever the outcome.
Trusted resources
StudentAid.gov: The official home of the FAFSA and federal student aid.
College Scorecard: Official U.S. data on college costs, graduation rates and earnings.
CareerOneStop: The U.S. Department of Labor’s career, training and scholarship tools.
Educational resource only. This guide is general information, not investment, financial, tax or legal advice, and not a recommendation to open any account or product. Deadlines, aid rules and limits change, so always confirm on the official sites and talk to a licensed professional about your situation.
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