The Most Expensive Financial Mistake Parents Make Junior Year
Junior year is crunch time—and not just for grades and test prep. It’s also when most families make a crucial mistake: they focus only on admissions and delay financial planning. Unfortunately, that delay can reduce your student’s aid eligibility and limit your college options before you even realize it.
Here’s why: the Student Aid Index (SAI) is based on income from your student’s prior-prior year. That means by junior year, you’ve already locked in your income figures—but how you handle assets, savings accounts, business income, and home equity still matters.
Many parents:
-
Make financial moves that unintentionally raise their SAI
-
Miss deadlines for early merit aid consideration
-
Build a college list without understanding net cost differences
-
Overlook the appeal process or aid negotiation opportunities
Diversified College Planning works with families during junior year to strategically manage their finances, pre-position assets, and identify aid-rich colleges that match both the student and the budget. This is the year when smart planning creates massive downstream savings.
Contact Us Today:
Let’s make junior year your launchpad—not your regret point.
📞 Call us at 770-662-8510
📅 Schedule a free consultation: Book with Jarad
Or visit our Contact Page: https://diversifiedcollegeplanning.com/contact-us/
