When to Start Planning for College—and Why Sooner Is Always Better
College may feel far away—but when it comes to planning and saving, waiting is the most expensive decision you can make.
At Diversified College Planning, we work with families at every stage—but the families who start early almost always see the biggest financial benefits. Why? Because college planning isn’t just about saving money. It’s about maximizing opportunities—for admissions, for scholarships, and for long-term financial health.

Why Early Planning Matters
Starting early allows you to:
-
Build a smart savings strategy (without sacrificing retirement)
-
Understand how financial aid formulas work in advance
-
Avoid costly mistakes on the FAFSA or CSS Profile
-
Research schools that fit your budget before you fall in love with a price tag
-
Help your student position themselves academically and personally for merit aid
By sophomore year of high school, most of these opportunities are already in motion.
What Happens When You Wait?
Many families don’t think about college until senior year—after applications open and deadlines loom. But by then, critical financial decisions may already be locked in. Aid eligibility can be reduced based on how money was saved, spent, or reported. And students may have missed chances for academic alignment, merit awards, or school-specific grants.
What You Can Do Now
If your child is in middle school or early high school, you’re in the ideal window to plan wisely. But even if you’re starting late—it’s not too late. Our team helps families:
-
Build custom timelines for admissions and financial aid
-
Choose schools that maximize both fit and affordability
-
Create a strategy to reduce out-of-pocket expenses
-
Understand how to leverage income, assets, and aid eligibility
It’s never too early to plan—but it’s always too expensive to wait.
Contact Us Today:
Start your family’s college planning journey now.
📞 Call us at 770-662-8510
📅 Schedule your free call: Book with Jarad
Visit our Contact Page: https://diversifiedcollegeplanning.com/contact-us/