Sending your child off to college? It’s emotional. It’s chaotic. It’s a lot of Target runs.
Whether you’re thrilled, teary-eyed, or both, this checklist will help you get them dorm-ready, money-smart, and academically prepped.
1. Talk Money First. Yes, Before the Cute Bedding.
Before you buy a single throw pillow, have the conversation.
- Clarify who’s paying for what – tuition, rent, ramen, Uber rides. Don’t assume.
- Build a budget together – include every latte and laundry load.
- Review financial aid – what’s covered, what’s not, and when the money lands.
- Start an emergency fund – even $500 in savings beats frantic 2 a.m. phone calls.
2. Give Them a Banking Bootcamp
This is your kid’s first real money moment. Let’s make sure they don’t blow it all in the first week.
- Open a student checking account
- Set up mobile banking and alerts
- Talk credit cards, debit cards, and fraud
- Teach the sacred rule: Check your balance before you swipe
3. Dorm Life: What to Pack (and What to Leave at Home)
College packing can go from “essentials” to “U-Haul” real quick. Here’s how to rein it in:
Must-haves:
- Twin XL bedding, towels, shower stuff, first-aid kit
- Storage bins, surge protector, flip-flops (yes, the floors are gross)
Don’t duplicate:
- Coordinate with the roommate. No one needs two mini-fridges or five toasters.
Buy in waves:
- Start with basics. Fill in the gaps after move-in. (Hint: Post-orientation sales are your friend.)
4. Academics: Prep Beyond the Syllabus
Textbooks matter. But so do habits:
- Submit transcripts, vaccines, class schedules early
- Rent or buy used textbooks—double-check ISBNs
- Stock up on notebooks, chargers, pens, and maybe a snack stash
Encourage:
- Weekly study blocks
- Campus tutoring center (free. use it.)
- Office hours – aka free brain time from professors
5. Let Go (But Keep Checking In)
Yes, this is their moment. But your support still matters.
- Step back so they can step up
- Stay connected, but not clingy
- Celebrate wins – even if it’s just “I remembered to do laundry”
Need Backup? We’re Here.
Getting your kid college-ready doesn’t have to feel like herding squirrels. At Secured Advantage, we help families prep for this next chapter with smart banking options, budgeting help, and real-life advice.
Visit us or give us a call – we’ll help get your student (and your sanity) ready for the semester ahead.