The Ten-Step Guide to College Financial Aid By Zachary Freeman

So You Still Haven’t Applied? Don’t Panic.

As we approach the end of the calendar year, high school seniors that have not started applying to colleges are starting to see that it might be a good time to start.  But even procrastination is no excuse to make a poor decision.  Even if you feel like you’re behind the curve, so to speak, now is a good time to research and learn about where you want your future to go.  As you ponder if, when, and where to attend college, consider these three checkpoints.

Deliberate: the mistake that many incoming college students make is that they don’t clarify their destination before they board the train.  In other words, students go to college without knowing what they want their future and career to be about.  Deliberate on your purpose, and find the best path (not just the quickest or most popular) to take you to your destination.

Decide: once you’ve decided what you want to do with your life, find a college (or a career) that fits that purpose.  Once you’ve found that college, research the financial aid that they offer and being to apply for as many private scholarships as you can find.

Do: do what you were made to do.  Don’t take no for an answer.  People, organizations, and employers appreciate persistence.  Even with regards to college, don’t take no for an answer.

A final note: college is a financial minefield.  Don’t jump into it without proper protection, preparation, and training.


Zachary Freeman is the author of Free Money Please!: The Ten-Step Guide to College Financial Aid and can be reached at  To order his book for only $10, click here.


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