Conversations to Have Before Your Child Goes to College

Your child going off to college is an exciting and life-changing milestone for you both. Itโ€™s also a time that can be marked by big feelings. Though itโ€™s easy to get caught up in the practical matters of preparing your child for school, itโ€™s important that you take the time to speak with them and set some guidelines for this new chapter. Talking with your newly minted undergraduate can help you make a plan for communication, set expectations around schoolwork and grades, and create a dialogue around mental health and finances.

Letโ€™s look at some guidelines and jumping-off points to make sure youโ€™re both prepared to navigate these new waters.

The following is a guest post. Enjoy!

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Setting expectations

You might think your child is aware of your expectations for them when they go to college, but it never hurts to make sure youโ€™re clear about what you can count on from one another. Setting expectations around touching base with home, academic performance, social events, and activities, and when to reach out for help can assuage any nerves you might feel about sending your kid out on their own for the first time. And while they might not show it, theyโ€™ll benefit from knowing where you stand.

Communication

This is also a great time to talk to your child about their needs. What level of support are they hoping to receive from you? How often can they expect you to check in on them? In what ways do they envision keeping the pathways of communication between the two of you open? Make the time and space for your child to confide in you and for you to respond thoughtfully.

Schoolwork and grades

Speaking with your child about schoolwork and grades is a must before they leave the nest. As much as they may want to spread their wings and fly, itโ€™s also important to set some guidelines to help them focus on the task at hand and maintain a level of academic achievement you can both be proud of. Remind them of the bigger pictureโ€”while itโ€™s fine to balance classes with social activities, staying focused on schoolwork and keeping up their GPA is their top priority.

Mental health

Itโ€™s normal for your child to experience some anxiety and depression once theyโ€™re on their own. Take this opportunity to check in with your child about their mental health and make sure they know that itโ€™s okay to ask for help. Reassure them that youโ€™ll be there whenever they need you and go over campus resources they might use if needed.

Finances

Lastly, be sure to check in with your child about their financial responsibility while theyโ€™re away. Address credit cards, spending limits, and any other financial support you are offering. Discuss how youโ€™re paying for college. If theyโ€™re taking out loans, ensure they understand the terms and what repayment could look like. Being transparent can help introduce them to the world of adult financesโ€”let them know what your contribution looks like and how youโ€™re financing it, whether youโ€™re using your savings, taking out loans, or using the cash value of your whole life insurance or other permanent life insurance policy.

About the Author Jacob A Irwin

Hi folks! My name is Jacob. I am the owner and operator of My Personal Finance Journey. I started this blog in January of 2010 and have enjoyed the journey ever since. Since finishing up graduate school in Virginia in 2014, I have been working in biopharmaceutical development in Colorado. You can read more about me and this site hereโ€‹. Please contact me if you have any questions!

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