2026 – What’s on the Higher Education Horizon

I hope everyone had a wonderful holiday with family and friends.

As far as resolutions – don’t make them…..for me it’s all about:

  • Getting to NC to visit my granddaughters more….
  • Taking more walks on Long Sands Beach and at Nahant…
  • Keep doing right for my students and families
  • Sharing more education and knowledge on life after high school planning
  • Keeping a diligent eye on the changing landscape of higher education
  • Networking more, listening more, helping more

If you’re into making resolutions and still thinking, here is a good read on the subject. 

Closer to home, in your home and business, a lot of excellent, wonderful, and exciting things are going to happen in 2026.

Here is what I am hearing, seeing, and learning to help ensure you have a successful year as parents, grandparents, and working adults.

  • If you’re looking to borrow from the federal student aid programs to pay for college or career school, rules are changing on July 1, 2026: loan limits and program eligibility.
  • Repaying your student loans will look different, especially for those who have not been paying since 2022. Tighter and less flexible repayment terms may cause many to fall into delinquency and default—rules of the game change on July 1, 2026.
  • Hoping to stay away from the national testing scene, many colleges will be returning to their pre-COVID-19 admission requirements, including the reintroduction of national testing (SAT/ACT).
  • Considering an elite, highly selective, sought-after college or university for 2027. Apply early. Over 2/3 of the Class of 2030 were taken from early applications, and upwards to 20% from the binding Early Decision applicant pool.
  • Free and discounted tuition and fees will continue to be offered at community and private institutions for those who qualify. But legislative funding appropriations can throw a wrench into the 100% access for all.
  • High schools, public, private, and charter, will grapple with an increased number of students and families leaving for homeschooling as families worry about the impact of budget cuts, safety, and bullying.
  • Colleges and universities across the country will continue to eliminate underperforming, undersubscribed academic programs, resulting in reductions in staffing and faculty.
  • The words skilled trades, community college, and non-degree credential programs will gain greater exposure and enrollment. Outstanding!! However, social pressures & the nature of higher education, it’s a business, will continue to promote the college for all mindset.
  • Purchasing education after high school will remain expensive. Daunting for many…. Tackling the ‘how will we pay’ and ‘where should we go’ questions is critical. Answers we need before you fall in love with a dream college or get accepted and realize you can’t pay without depleting your retirement – Never – Never – Schedule a call with me 😊.

For Professionals, CEOs, CFOs, leaders in business and especially the financial services sector, your clients and workforce will be affected by these and other personal, emotional, and economic changes. Here’s what I see:

  • Parents and young adults will be spending more time at work seeking answers to the questions causing them stress and anxiety day and night. Financial, health, family
  • Productivity and general health for many will weaken as stress over tuition bills, loan repayment, and troubling college experiences for their students haunt their minds.
  • More parents will consider delaying retirement contributions, while others will raid their retirement savings to pay for college.
  • More families will ask grandparents to risk their golden years to cosign a private education loan.
  • Parents with questionable or troubled credit profiles will scramble to find ways to pay for college as further limitations on federal student loan borrowing.
  • Millions of borrowers will experience negative credit score hits, limiting or erasing access to consumer borrowing as the government catches up on student loan repayments after a six-year pause.
  • Wage garnishment, bankruptcy, and lost SS benefits will return, affecting payroll and bank account deposits.
  • Employees and clients will turn to you as their trusted employer and advisors for guidance. Please take a minute to prep your employee assistance programs and outreach services to ensure they offer a broad range of support. Schedule a call if I can help.

NO, I’m not starting 2026 with a negative lens. It’s laser-focused on these and other issues affecting families and individuals. I want 2026 to be better than 2025, for my children, grandchildren, you, and yours!

If I have hit a cord at home or work, let’s start 2026 on a positive note!!

Everything begins with a conversation – schedule a no-obligation time to talk at www.calendly.com/tom-126 or call 617-240-7350.

 

 

 

Fall Ahead – November Assignments

Families of high school seniors bound for college in September 2026 have been filing applications that are 80% complete… a relief, but now we wait. Although the heavy lifting feels over, all eyes should shift to how we will pay.

Choosing college and how to get in is critical, but determining how to pursue the educational choice post-high school is vital. Completing and filing applications for financial aid and external private scholarships shouldn’t be overlooked. One critical application to complete is the Free Application for Federal Student Aid (FAFSA) . This application covers the calculation (Student Aid Index – SAI) and awarding of need-based financial aid provided to eligible students and families from all public and private colleges, universities, approved career institutions, federal and state programs, and some private external scholarship providers. Take the 30 minutes to complete and file the FAFSA. Need help – call.

Another vital activity while waiting to learn about acceptances and financial aid offers is applying for scholarships. Yes, it is reportedly time-consuming and sometimes frustrating, but uncovering a scholarship and receiving an award can mean the difference between going and not. Please email me at tom@getcollegegoing.com, and I’ll send you a PDF copy of my Scholarship Workbook. It contains tips and ideas on how to find $$$$.

Community College – Career School – Heading in a different direction after high school requires planning, too. Learning the rules and guidelines to attend and pay should not be left to the last minute. Many programs fill up fast, and applying for financial aid and scholarships follows the exact timelines as a student at a four-year college.

I hope the government shutdown will end when RT One BNG Magazine hits the street. The shutdown has been impacting the delivery of services by the Department of Education, specifically in handling calls to resolve and assist with the FAFSA. Whether it was the shutdown or an undeclared higher education bubble, colleges and universities are making their own cuts. Reductions in staffing and programs are now occurring on campuses. The impact is currently felt in the delivery of some services and the availability of academic programs. Current 12th-grade families, especially 11th graders beginning the planning process, should be inquiring how these changes may affect a college that has offered a spot in September or is on the radar for the future.

Finally, families of 11th-grade students, your journey begins now. November and the Fall provided a great time to get an early jump on boosting study and time management skills that impact GPA and SAT scores, and begin the discussion on funding, finding, and setting realistic expectations for life after high school. Please take a second to review my Fall activities for 11th graders. https://getcollegegoing.com/fall-planning/

Everything starts with a conversation! We help students, families, and individuals with one-on-one consultations, DIY references, and when questions pop up. We are here to share our knowledge, answer your questions, and give you peace of mind.

Learn more at www.getcollegegoing.com

Need some additional cash to pay for college or career school, consider hunting for scholarships. Send me an email [tom@getcollegegoing.com] to receive a PDF copy of my Scholarship Workbook. ITs full of tips and insights on how to search and apply for external scholarships, local, regional and even national. Subject line: Scholarship Workbook.

 

 

Summer is Here

Over the past few months, I have spoken with students and parents, both individually and in groups, listening to their challenges and sharing my insights. Families and individuals included those with high school and college-age students, those about to graduate, and many already in the workforce.

I’ll share some insights addressing the four groups, but first, I want to share a brief testimonial from a dad of younger students. This dad, like me, is a planner. As I have written before, planning is critical to prepare for life after high school and before graduation. If you’re a parent of young kids, read on.

Young Family’s Insights

“I am big on planning, and I recently met with Tom to review/refine my plan, which has been extended for 10+ years. My wife and I have three children aged 3 to 8. We are currently pleased with our public elementary option, but we are always intrigued by the private option. Our oldest children are good athletes for their age, and as Tom highlighted, aptitude starts to develop in middle school. After talking, we sensed that a private middle school option might be best for our family. This will allow us to evaluate the quality, affordability, local high school options, and talents of our children. I am a product of public education from kindergarten to college, but I also recognize that standards are changing and that we want to position our children for success. Tom reinforced the importance of perseverance, learning to share space, and the value of planning financially (asset location). After sanity-checking my plan with Tom, I felt better and made the savings adjustments to hopefully realize our oldest child’s private middle school option”.

Thank you, Dad!

What’s happening in June
Congratulations to all fellow Geminis. June is extra special for me as I celebrate 45 years with the most wonderful, caring, and beautiful spouse and mother of my four kids… I’m blessed!!

A new wave of young adults is leaving college, some advancing to graduate school, and tweens who need to transfer after rethinking their first choice. However, the vast majority will be looking for their first real “adult” job. They will need your help to:

  • Learn how to network to find work versus using Indeed
  • How to understand employee benefits
  • Understanding that internships or temp-to-hire can lead to full-time work
  • The importance of creating a financial budget
  • Embrace the start of their student loan payback

Don’t let the noise from Washington and the tremendous late-night bantering paralyze you from taking proactive steps to manage your student loan obligations. Repayment benefits through the federal government, private education loan providers, and, in some cases, employers are available to help all students and families.

Preparing for September

I’m 18 NOW –  If you send a son to college or work at 18 or older, your student and family must be protected. They may always be young in your mind, but in the eyes of the legal, medical, and higher education world, they are on their own. Old enough to speak and advocate for themselves. Protecting them means having proper documentation, so you, as their parent, can continue to assist them in a safe and healthy growth.

Essay, College Options, Scholarships, and Applications
Snap your fingers, and we’re there. It’s time to apply to college. The list is down to 12, the writing is complete, and recommendations are in. We found and applied for scholarships based on our academic interests, hobbies, high school resumes, and family backgrounds. We have had numerous meetings with college admissions and toured campuses. We ran our financing numbers and understood how much we would need to pay.

Don’t pause during the summer. It is valuable college planning time!

Start a conversation if you need help with your 11th-grade checklist, calming the waters, managing education loan repayment, or hosting an on-site employee seminar. Call today!

Get College Going, a full-service education advising practice based on the North Shore, has been helping families manage the college process before, during, and after college for four decades. Learn more about how we are helping families and individuals find the right education pathway at the right school for the right reason at an affordable investment. Visit www.getcollegegoing.com to learn more.

Why Hire A College Counselor (Advisor)

Occasionally, we all need an advisor or coach to help us navigate the unknown. For parents of high school students, deciding what to do after high school can be daunting. That is where a college counselor can help. A good counselor is unbiased and nonjudgmental and is working for the sole purpose of helping a student succeed. A counselor (advisor) should be trained and knowledgeable in all aspects of planning and funding college and keen to be able to help students and families find the four rights to life after high school: the right education pathway, for the right reason, and at the right school for an affordable investment. (The four rights i follow in my private practice)

Parents and students should begin working with a counselor around October of the junior year, when their student takes the PSATs, earlier if possible. A counselor should provide insights and direction on how to pay for college, where to consider going, and how to apply. They’re there to answer questions, share insights, identify deadlines, and help manage connecting the dots between admissions, financial aid, scholarships, and student recruitment.

As my youngest son reminds me, hundreds of students and families navigate the process and successfully enroll in college every year. Yes, that is true, but for the select few who find themselves overwhelmed, paralyzed, and fearful of failing, a college counselor (advisor) can be the key to their sanity and students’ success.

Finding the right fit is based on working with a student and their family to align them with colleges and universities where they can continue to grow academically, feel personally safe, have a chance to have a strong, supportive social network, and where the cost of enrolling is affordable. Finding the right fit is a personal, individual process that takes time and discovery and can benefit from having a college counselor or an advisor helping to guide the way.

Here are a few other reasons:

  1. Personalized Guidance
  • Through regular meetings, we help students identify schools that are the best fit academically, socially, and financially.
  • We provide insights on raising the bar to show interest through email campaigns, 1-1 meetings, and keeping the school aware of a student’s strengths, interests, and goals.
  • Help to identify different paths after high school and navigate the conversation at home.
  1. Application Strategy & Organization
  • Advisors help manage deadlines, essays, recommendation letters, and standardized testing schedules.
  • They create a structured timeline to reduce stress and last-minute scrambling.
  1. Essay Coaching & Editing
  • Many advisors assist students in crafting compelling college essays that stand out.
  • They provide feedback to ensure authenticity while meeting the expectations of admissions officers.
  1. Financial Aid & Scholarships
  • A good advisor helps families navigate financial aid forms like the FAFSA and CSS Profile.
  • We provide endless training on how to hunt for scholarships, including starting early and never stopping.
  1. Reducing Stress & Family Conflicts
  • Involving a third party can ease tensions between parents and students and ensure open communication and shared goals.
  • Were neutral, unbiased, and nonjudgmental with the student and their family’s objective always in mind.
  1. We Focus on the Probability of Acceptance
  • At the right college that falls under three categories, unlikely >30%, but let’s apply; targeted <50% and Likely >75%.
  • Advisors provide insights into what colleges are looking for in prospective students.
  • We assist with interview preparation, extracurricular planning, and strong application positioning.
  1. Knowledge of Changing Admissions Trends
  • The college admissions landscape changes frequently (test-optional policies, holistic admissions, financial aid, government intervention, college and university business decisions), etc.
  • As an advisor, I stay current on these trends and help families adjust their strategies accordingly.

If you find yourself feeling overwhelmed, paralyzed, and fearful of failing your student, give a call or text – 617-240-7350, Every good ending starts with a good conversation!!

2025 SPRING COLLEGE FAIRS & EVENTS

2025 SPRING COLLEGE FAIRS & EVENTS

They want to meet you.  Who? College, university, and trade school Admission Representatives. They will be at your high school and regional and national college fairs. They want to meet you to discuss their academic programs, campus life, clubs, and extracurricular programs. They are coming to pique your curiosity as a prospective student.

This is your chance to connect with colleges, universities, trade schools, and members of the Armed Services recruiting students. An opportunity for you to meet with Representatives on your list or learn about ones to add. Time to explore, ask questions, shake hands, and sign up to receive information. PLUS, share your high school resume!!

If you cannot attend one of these events, don’t worry; in the future, you will be able to participate in a virtual meeting sponsored by the individual colleges, NEACAC (New England Association of College Admission Counselors) and NACAC.(National Association of College Admission Counselors).

Check with your Guidance Department to learn about colleges and universities attending!!. College Fair Checklist

Here are events happening in the evenings, weekends, and special events in Massachusetts this spring

High School Visits and Collee Fairs

  • Lowell Catholic College Fair
    Wednesday, March 5 at 6:00 PM
    Lowell, MA
  • Brookline High School College Fair
    Tuesday, March 11 at 7:00 PM
    Brookline, MA
  • Reading Memorial High School College Fair
    Wednesday, March 12 at 6:30 PM
    Reading, MA
  • Blackstone Valley Regional Vocational Technical High School College Fair
    Thursday, March 13 at 8:30 AM
    Upton, MA
  • Billerica Memorial High School College Fair
    Thursday, March 13 at 6:00 PM
    Billerica, MA
  • Upper Cape Cod Regional Technical High School College Fair
    Thursday, March 13 at 6:00 PM
  • NACAC Springfield
    Tuesday, March 18 at 9:00 AM
    West Springfield, MA
  • Littleton High School College Fair
    Tuesday, March 18 at 6:00 PM
    Littleton, MA
  • Great Northeast Career & College Fair
    Wednesday, March 19 at 5:30 PM
    Middleboro, MA
  • Catholic Memorial High School Mini College Fair
    Wednesday, March 26 at 8:30 AM
    West Roxbury, MA
  • Boston College High School College Fair
    Wednesday, March 26 at 6:30 PM
    Boston, MA
  • NACAC Boston – Morning Session
    Thursday, March 27 at 9:00 AM
    Boston, MA
  • NACAC Boston – Evening Session
    Thursday, March 27 at 6:00 PM
    Boston, MA
  • NACAC Boston – Morning Only
    Friday, March 28 at 9:00 AM
    Boston, MA
  • Greater Essex County College and Career Fair
    Thursday, April 3 at 6:00 PM
    Newburyport, MA
  • Malden Catholic High School College Fair
    Thursday, April 3 at 6:00 PM
    Malden, MA
  • Bishop Stang High School College Fair
    Tuesday, April 8 at 5:30 PM
    N Dartmouth, MA
  • Phillips Academy-Andover College Fair
    Monday, April 28 at 5:00 PM
    Andover, MA
  • NEACAC Merrimack College Fair
    Sunday, May 4 at 6:00 PM
    North Andover, MA
  • Bishop Feehan High School College Fair
    Wednesday, May 7 at 6:00 PM
    Attleboro, MA
  • NEACAC Assumption College
    Wednesday, May 14, 5:30 PM
    Worcester, MA
  • Woburn High School Junior College Fair
    Thursday, May 22 at 8:00 AM
    Woburn, MA
    NEACAC Bridgewater State University
    Thursday, May 29 at 9:00 AM
    Bridgewater, MA

 

 

 

Pivotal Year Begins Now

FALL PLANNING

We are back into the swing of learning, fall sports, performing arts, extracurricular activities, and even little work. Families of 12th-grade seniors are actively finalizing essays, narrowing college options, and working to be prepared to hit their admission and financial aid deadlines.

As parents of 11th-grade high school students, it is time to launch the all-important planning process. It begins with early fall activities and kicks into high gear in January 2025.

  • PSATs— The PSAT exam, scheduled for mid-October, is a crucial milestone in the college planning journey. It serves as the unofficial starting point for students and families, paving the way for the Spring SATs. The results of the PSAT can be instrumental in identifying areas where a student might require academic support. Moreover, it is a gateway to the most prestigious academic scholarships offered by the National Merit Scholarship Program and its partner institutions. Understanding the significance of the PSATs will empower you as a parent to guide your child effectively.
  • Define My Pathway— As students and parents look to the future, it is critical to start discussing life after high school. The education-to-work pathway is not a one-size-fits-all concept. Whether it’s attending a traditional, four-year public or private college, starting at community college to transfer, volunteering, serving our country, entering an apprenticeship program, or pausing the button to work and plan some more, there’s a perfect fit for your child’s unique talents and aspirations. The variety of pathways should reassure you that there is no wrong choice, only the right one for your child. This diversity of options should inspire a sense of open-mindedness and reassurance in you as a parent.
  • Funding Assessment—How will we pay? What are our resources? Investing in education after high school is a significant financial commitment. Parents should begin assessing their family’s financial capacities to craft a college funding strategy. This process can be time-consuming and knowledge-intensive and may necessitate the help of external resources. College is too substantial an investment to be left until the last minute or, worse when it is time to accept the college offer.
  • Grades, Writing, and Mental Health—While challenging academic performance, a strong GPA, well-written essays, and a robust high school resume are critical. As parents, we want the best for our students, as do colleges, but not at the expense of their well-being. It is essential to utilize the value of time to manage the college planning process at the student’s pace. Let us remember to let students be students.
  • Too Far; Not Too Close— Distance is measured in feet or miles. Planes, trains, and automobiles are the measurements for college. Plus, are we talking about the burbs of a big city or the trees in the country? These open questions can present a stumbling block for many when building their college list. Use the Fall to help students get their GPS bearings.
  • Meet the Representatives—Before we visit a campus or take a tour, students create a list of schools that meet their goals and college preferences—a list of possibilities to research and uncover to find the right fit. We use technology and apps and attend local and regional college fairs. Many students and families can meet admission counselors during these events in the fall. Attend one in your area.
  • January 2025—Mark your calendar. As the holidays end, college planning begins. The journey will be exciting and emotional, with the occasional uncertainty and questions. Remember, it requires time, patience, knowledge, curious minds, and a plan.

To obtain a comprehensive 11th-grade planning checklist email tom@getcollegegoing.com or visit www.getcollegegoing.com.