Setting Up a Successful College Transition

An accomplished speaker and writer, Ellie Kay is best known for her financial wisdom and work with Heroes at Home, but in this Financial UPGRADE, she branches out to a topic that’s especially important this time of year for many: high schoolers’ transition to college.

Ellie says, “I believe that every student can be successful in college by following the Do’s and Don’ts of a smooth college transition.”

My (Dawn’s) first granddaughter is entering college this fall, so that’s on my mind a lot these days.

Ellie hits on some points I’ve never considered, both for parents and their college-bound students.

Ellie continues . . .

How can you prepare for a smooth move to college that sets you up for success?

When my daughter was four years old, she came home from a friend’s house sobbing uncontrollably. While comforting her, she blurted out, “I don’t want to go to college!”

Apparently, her friend had an older sister going to college and my daughter couldn’t imagine leaving us. I reassured her that college was a long way away and by the time she left, she was ready.

When parents are preparing their kids for college, I think they may have flashbacks of them as four year olds. It can be hard to send them away.

As a mom of seven, I’ve found there’s some “homework” you can do in the summer to make college transitions more successful.

1. PRIORITIZE key relationships.

DON’T fill up free time with friends at the expense of family. 

• Friends come and go but family is forever.
• Only a small percentage of your friends from high school will still be your BFFs throughout college.
• Less than 2% of boyfriend/girlfriend relationships will last until college graduation.

DO tell your mama (and papa) that you love them.

• Mend fences and build bridges with family members.
• Expect there to be some pre-separation anxiety on both sides—parents and kids—so give each other lots of grace.
• Students, please understand that this is hard on your parents, especially if you are moving away to go to college.
• Parents, understand that this is hard on your child because they are about to do something they’ve never done before.
• Students, take the time now to thank your parents, grandparents, friends, educators and coaches for their help in high school.

2. PLAN Your Finances.

DON’T think that you are too young to budget the money you have.

Luke 14:28 says, “For which of you, intending to build a tower, doesn’t sit down first, and counts the cost, whether he have sufficient to finish it?” This verse reminds us that it’s important to plan when it comes to our finances. “

• You can set up a spreadsheet to track your money. We like to use mint because multiple people can track finances on the app.
• If your parents give you money for tuition, books, rent or food, then this gives them a right to see how the money is spent, so be prepared to share your budget with your financial sponsors. Their love is unconditional, but their money is an investment in your education and it has conditions.
• Be prepared to work hard and add income to your monthly budget through work-study programs, a part-time job or even an entrepreneurial source of income.

DO be prepared to develop good financial habits that will set you up for success before, during and after college.

• Do listen to fun, upbeat podcasts like The Money Millhouse to learn more about managing your money.
• Parents, you may want to get an additional card on your credit card to help your student build credit. These cards usually allow you to modify the spending limit.
• We added additional cards on American Express and put these under our kids’ social security numbers. They charged preapproved items and then we paid the bill in full (and on time) each month.
• By the time each of our children graduated from college, they had a 750 or higher FICO score which helped with everything from getting a lower rental down payment to paying less on car insurance.

3. PREPARE for Positive Changes.

DON’T make this all about you.

• Parents, don’t create drama before they go or after they’ve gone.
• Moms, don’t sob and cry and tell them you don’t’ know how you’re going to survive without them. Shedding a few tears is OK, but doing what Oprah calls “the ugly cry” isn’t.
• Don’t post a bunch of “poor me-isms” on social media because it distracts your student from focusing on a successful transition to college.

DO keep it positive and focus on faith.

• Do send happy texts, emails, cards, and care packages to your college student, these mean a lot. 
  
• Do tell your student funny stories about a younger sibling or the dog, it will make them feel more connected to home and send pictures of the dog or pet.
• Students, do clean up your social media channels because you never know what can come back to haunt you in college and you don’t want to embarrass yourself or become a target of unwanted attention.  
• Do subscribe to Our Daily Bread and consider joining CRU to connect with others in a safe, faith based community.
• Parents can join Moms in Touch or a Bible Study with parents in a similar situation.

Moving away from home can be hard but I believe that every student can find success by preparing your relationships, finances and faith as you make this journey into adulting.

What can you do today to prepare for success in college tomorrow?

Ellie Kay is the best-selling author of fifteen books including Lean Body, Fat Wallet, and Heroes at Home. She is a Toastmaster Accredited Speaker as well as a popular international speaker and media veteran who has given over 2,000 media interviews including appearances on ABC, CNBC, CNN and Fox News. She writes for six national magazines and has been a Subject Matter Expert for the Wall Street Journal, New York Times and Washington Post. She is the cohost of The Money Millhouse podcast. Currently, Ellie provides financial education to military members through her “Heroes at Home Financial Event” sponsored for USAA. Ellie is married to LTC Bob Kay and they have seven children. 

Graphic adapted, courtesy of YannaZazu at Pixabay.

Upgrade Your Graduate's Life

In one year, Pam Farrel and her husband had two kids (a son and daughter-in-law) graduate with a Master’s degree, a middle son graduate from university, and a son graduate high school. So how did they celebrate? They wrote The 10 Best Decisions a Graduate Can Make!

“We prepared our children for higher education,” Pam said, “by setting aside five ‘dinner and dialogue’ times to discuss key questions.”

Choices are a big part of this UPGRADE blog, so I asked Pam to share how she and her husband encouraged their kids’ wise thinking and choices.

She continues …

We wanted to give them a strong “freshman foundation” for an upgraded future!

Here are the key areas we discussed: The 5 Points of a Shining Star Future.

1. Fitness

We decided to start with what was least emotionally volatile—how to stay in shape emotionally, physically, relationally and spiritually in college. A physically strong body makes for an alert and teachable mind. Help your young adult think and pray through housing options and roommates. Where will they succeed emotionally, spiritually, physically and socially?

Can your young person even afford to go away to college, or is living at home for two years a better option—attending junior college and working to save for the second two years? In this case, talk through house rules with this new “adult” under your roof. Have your student prayerfully list their priorities and rank each variable.

If living in a dorm, how will they stay physically fit and not gain “freshman weight”? Handle stress? Deal with Homesickness? What is the plan for health insurance, doctor and dental visits and vitamins? What’s their work, sleep and study schedule?  

2. Finances

Discuss funding. How much will you contribute to education? How much scholarship money is available? Savings? Loans? Grants? How much can he or she work and still achieve well in school?

Introduce the student to the campus financial aid office. Have him or her write a budget, which encourages tithing. Money Management for College Students is a helpful resource from Crown Financial ministries. 

In our family, college is a privilege, not a right.

 Parental help is in direct correlation to growth we see in our kids’ moral, spiritual and community life. We will not fund sin.

Drinking, drug use, irresponsible behavior, having sex outside of marriage, not attending church and not being involved in an on-campus Christian group are all reasons for us to withdraw financial support. 

3. Future

Discuss career goals, internships, work experience, skill, talent and vocational inventory tests and surveys. Life Pathways by Crown Christian Financial Ministry is relatively in expensive comprehensive inventory (www.cfcministry.org).  

When will you expect a declared major?

Help your student research schools with the best reputation in their field. Clubs and organizations can also benefit a career path; and businesses near the university, study abroad, and volunteering can extend employment opportunities.

Discuss how to develop relationships with professors, and use of academic counseling and the college catalog to create a plan for graduation. Be honest about what leadership skills and areas of personal growth they still need to develop, and brainstorm together about how they can learn and acquire those skills. 

4. Friends

Relationships are the centerpiece of a college student’s life. We had lunch dates with our sons to discuss dating standards, how to find friendships with people of similar values, and how to find mentors and reliable leaders to follow. We discussed how our relationship with them would going to change; and we helped facilitate this transition by giving them increased responsibilities.

We also brainstormed with them ways to expand their social circle to gain a broader world view—to spend time with people from a variety of socio-economic backgrounds, cultures and countries. We encouraged wise review of campus clubs, organizations and social options.

5. Foundations

This concerns the important spiritual decisions for their future. Honoring God is key.

Our family motto is: "Those who honor God, God honors" (1 Samuel 2:30).

Ask how they intend to finding a local church to attend. What campus groups will they join? What factors will make up their decisions? (Having a doctrinal statement available and seeking your pastor’s or youth pastor’s opinion is also a wise option.)

Encourage church choice based not just on what they can get from the church, but also what they can give to the church—a place to serve, use their gifts, and mature. Focus on your student’s personal walk with God.

To UPGRADE your grad:  Walk alongside your young adult until he or she is solidly walking alongside God.

Which of these areas needs some extra attention before your grad leaves home? It’s not too late! Ask the Lord to help you.

Pam Farrel and her husband Bill are authors of more than 38 books. Their three sons—all college graduates now—love and serve Christ. To order their graduation book, 10 Best Decisions a Grad Can Make, visit www.Love-Wise.com.