The Financial Aid Mistake Sophomore Families Can’t Afford to Make
When it comes to college costs, timing is everything—and sophomore year may be your family’s secret weapon. Many families assume they can wait until junior or even senior year to get serious about financial aid and college planning. But by then, critical windows for aid eligibility and merit consideration have already closed.
Starting during sophomore year gives families a chance to:
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Understand the types of aid available (merit vs. need-based)
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Identify which schools are the most generous with “free money”
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Avoid income and asset traps that reduce eligibility for aid
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Begin creating a strategy for class selection, activities, and testing
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Position the student for maximum financial leverage
What most families don’t realize is that financial aid formulas often use income from earlier tax years—meaning your actions today could already be affecting tomorrow’s aid package. By planning early, you reduce stress, expand your options, and save money.
Contact Us Today:
Want help understanding how sophomore year decisions impact your financial aid strategy?
📞 Call us at 770-662-8510
📅 Schedule a free consultation: Book with Jarad
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