Standardized test date cancellations across the world have led many universities to institute temporary and permanent test optional policies. This week we’ll help you decide whether or not to report your test scores to the colleges on your list who aren’t requiring them. It’s October 1, and the FAFSA is out—we have all the details you need to know to file this important financial document. Finally, host Ian Fisher joins the show to share his story about not getting into his first choice college.

If you couldn’t otherwise afford to attend college, applying for financial aid is a no-brainer. Of course you should complete a FAFSA! The decision may not quite as simple, however, for families who may be able to pay for college on their own. Is there any reason you should submit a FAFSA if you don’t expect to qualify for financial aid? Find out from former Boston University and Tufts University financial aid officer, Shannon Vasconcelos, in the first installment of the Bright Horizons College Coach video series, Ask the College Finance Expert.

by Shannon Vasconcelos, former financial aid officer at Tufts University

Once upon a time, the college application process was simple.  By and large, students applied to just one or a couple of local colleges, they were easily accepted, and they could often pay for tuition with not much more than a summer job.

Nowadays, lots of students are considering a much more expansive network of the more than 4,000 colleges available across the country, many of those colleges have grown increasingly competitive, and paying tuition with no more than a summer job?  Forget about it!

In another in our series of stories from our team, Sai Somboon will share his decision to apply to and attend college in the United States despite growing up in Thailand. We’re also offering tips for the Georgetown application essays and previewing the FAFSA and CSS Profiles so that you can pull together the information you’ll need to complete these when they become available this fall.

by Shannon Vasconcelos, former financial aid officer at Tufts University

How to Pay for College Without Receiving Any Financial Aid

Paying for college is a challenge.  While this statement is probably not news to anyone, we sometimes overlook the extent to which this challenge affects all income groups.  Whether rich, poor, or somewhere in between, most people spend most of what they earn. Few of us can write an annual check for $70,000 without breaking a sweat (or, perhaps, suffering a complete panic attack).  As a College Coach college finance expert, I work with families of all income levels struggling with the prospect of paying for college.  While students from lower income households often qualify for need-based financial aid, the assistance options for higher income families are more limited.  But that doesn’t mean they are nonexistent. Families can employ a number of strategies and utilize a wide range of resources to help pay for college when they don’t qualify for financial aid.

by Robyn Stewart, former financial aid officer at College of the Holy Cross

The Sibling Factor: How EFC and Financial Aid Packages Can Change

When I worked in a Financial Aid Office, there was something that I could count on without fail every year. Whenever a student’s sibling graduated from college, I would inevitably get THE CALL from parents wondering “where has our financial aid gone?”

Behold the Sibling Factor: the effect on financial aid awards when siblings enter or leave undergraduate study. Parents might be delighted at the effect of a second child entering college (packages may increase). They get panicked, however, when a sibling leaves undergraduate study, and aid amounts for remaining undergraduate children decrease. (The other most common reason for changes to financial aid eligibility is a significant change in family income.)

If you’re the parent of a high school senior, you’ve likely completed the FAFSA by now. And if your child applied to any private colleges, you may have also completed a CSS/Profile.  So congratulations!  The most difficult part of the financial aid application process is over.  You can now sit back, relax, and let the money roll in, right?

Wrong! Did you know you can ask for more financial aid?

by Shannon Vasconcelos, former financial aid officer at Tufts University

With college application season just wrapping up, many families’ thoughts are turning to financial aid. College Coach’s finance experts are flooded this time of year with some variation of the question, “Do I need to complete a FASFA if I’m not going to qualify for financial aid?” The short answer to that question is “no.” The FAFSA is a financial aid application, and no student is required to apply for financial aid. Believe me, colleges will be more than happy to admit your child without providing you any financial assistance. Still, there are many reasons why you may want to complete an aid application even if you don’t expect to qualify for need-based assistance:

Many high school seniors wait until they’ve been accepted to a college to worry about how to pay for it. Unfortunately, however, by the time you receive a college acceptance, you have likely already missed the school’s financial aid application deadline, and may have missed out on thousands of dollars of assistance. When, then, should you be applying for financial aid? Find out on the Edmit blog, where former Boston University and Tufts University financial aid officer, Shannon Vasconcelos answers the most common questions about timing that financial aid application.

It’s almost October 1, commonly known as FAFSA time around here, and we have guidance for those completing the form this fall. We also have advice for teacher recommendations, from how they’re used to who to ask to how to ask for them. In Office Hours, we’re working through the supplemental questions for Haverford, Swarthmore, and Bryn Mawr, three colleges on the outskirts of Philadelphia.