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The summer before college can be a transformative time before you head off for your independent life as a student. You can reflect, work, get organized, and spend quality time with the people you love at the places you love one last time before school is in session.

At the same time, there are a number of tasks you’ll need to complete to make sure your transition to school goes as smoothly as possible. Here’s a simple checklist that can help ensure you make the most of your last summer before college.

Getting Organized

Now is the time to clear out the old so you can bring in the new. The bedroom is a good place to start.

Clear out your closet: Use the summer to clean out your closet and dresser and get rid of any clothing you may no longer need or want for college. Start by pulling every single item out and making a giant pile on the floor, separating the clothing into piles to keep, toss, and donate. Donating gently used items to a local charity or second-hand shop will help them find a second life. Or you might try to sell your stuff and raise some cash.

Toss old academic work: Go through notebooks, binders, and bookbags, using the same sorting method as with clothing. Cleaning out your computer and deleting any files you no longer need — perhaps moving some to cloud storage — can allow you to enter college with a clean desktop and plenty of space on your hard drive.

Start packing: To make the moving process a little smoother, try organizing your items and packing slowly over the summer instead of cramming it all into one day. Creating boxes labeled as bedding, kitchen, bathroom, academic, and miscellaneous — maybe limiting the size of that particular box, though — then adding items as you’re organizing will make moving easier when the time comes.

Cleaning up Your Social Media

Just like cleaning out your closet, it’s probably time to think about cleaning up your social media presence, too. You may have joined Facebook groups or liked pages that no longer reflect your interests or what you believe in.

On Twitter and Instagram, it may be a good idea to look back at your content to make sure what you’re sharing is appropriate for future employers to see. If not, you might want to consider deleting it.

Finally, think about your social media handles and your email address. If possible, it might be a good idea to use your full name or a combination of first initial and last name — something clean and simple. Potential employers will likely look at this information before hiring for summer internships or future jobs, so presenting yourself as a professional might pay off in the long run.

Recommended: College Freshman Checklist for the Upcoming School Year

Spending Quality Time With Your Family

Even though your parents may have sometimes embarrassed you through your high school years and your siblings may have annoyed you since you became siblings, you’ll probably still miss them when you head off to college. Use this time to make memories with your family so you have something fond to look back on if you’re ever homesick.

Over the summer, try creating family date nights. Play board games, cook together, go to your favorite restaurants, the movies, whatever makes you all happy. As a bonus, you’ll get to visit all your favorite hometown spots along the way, too.

Recommended: 5 Ways to Start Preparing For College

Connecting With Your New Roommate

If you’re living in a dorm in the fall, you likely already know who your roommate will be. You may want to use the few weeks before school begins to prepare for the college experience ahead by connecting with them, via phone, text/email, Facetime, or, if possible, in-person.

Consider making a list of dorm room items that you can share, and try making a list of ground rules before you even move in. This could help alleviate any issues before they ever begin.

Recommended: A Guide to Making Friends in College

Preparing Your Dorm Essentials

After chatting with your roommate and figuring out what you both need, it’s time to make a full list of dorm essentials. This essentials list should include bedding, toiletries that fit into a basket to carry to and from shared bathrooms, a pair of slippers to use in common areas (including shower areas), and office supplies like pens, paper, notebooks, labels, rubber bands, scissors, and sticky notes.

You’ll now be responsible for doing your own laundry, so make sure to add on a laundry basket and detergent. The list can also include decorations such as desk lamps, a bulletin board, and any fun decor that fits your style.

Becoming Familiar With Your College Town

You can get familiar with your new town even before you set foot in it by checking out local publications, including local news sites and your school’s newspaper. You might want to make a list of restaurants you want to try and local attractions you’d like to see.

You might also consider sharing the list with your new roommate so you can explore the town together.

Recommended: How to Get Involved on Campus in College

Registering for Classes

It could be prudent to check out class offerings before registration even opens. Familiarize yourself with the classes offered (such as lower vs. upper division courses) in your degree program, which ones are available to freshmen, and which electives you’d like to take. Make a list and have it handy for registration day.

Pro tip: Sign up for classes as soon as registration is open because popular classes may fill up fast.

Checking Out Your Professors Online

Once you’ve got your classes lined up, it’s time to check out your future professors. Doing a bit of online research on the people who will be teaching you could help identify any potential future mentors.

Getting to know professors can make asking for recommendations for internships and jobs easier. If they don’t know you well, it might be difficult for them to recommend you.

Getting Your Finances in Order

It’s time for the most adult step of all. During the summer before college, it’s probably time to get your finances in order. If you don’t already have a checking account, it’s a good idea to open one, ideally at a bank that you can access easily while at school.

Now is also a good time to explore — and discuss with your family — how you will finance all four years of your college education. You may have filled out the FAFSA and explored your options for funding your expenses.

Private student loans are available through private lenders, including banks, credit unions, and online lenders. Rates and terms vary, depending on the lender. Unlike federal student loans, private student loans will require a credit check. Generally, borrowers (or cosigners) who have strong credit qualify for the lowest rates.

Keep in mind, though, that private loans may not offer the borrower protections — like income-based repayment plans and deferment or forbearance — that automatically come with federal student loans.

The Takeaway

The summer before college starts can be a good time to get organized, spend time with friends and family, connect with your roommate(s), explore your new campus, register for classes, and make sure you’re ready to handle the cost of your education.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

Should I work the summer before college?

It can be a smart move to work the summer before college, even if you have tuition covered for the upcoming terms. By working, you can save money for incidental expenses or begin an emergency fund.

What is the summer before freshman year good for?

The summer before your freshman year of college is a good time to get acclimated to the school year ahead. It can be wise to consider the supplies you’ll need for your living space and classes; spend time with family and hometown friends, and learn how your new campus operates and what extracurricular activities are available. The summer is also a good time to earn some extra money to put toward your education.

How to be productive the summer before college?

There are a variety of ways to be productive the summer before college. You might get a job, internship, or volunteer position. Or you could organize your belongings as you pack, selling or donating what you don’t need. Another idea is to prepare for your classes, if you know what they are, by securing books and looking at the course syllabus. You could also reach out and begin forging a relationship with your roommate(s).

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Attending community college can often be a much more affordable choice than going to a four-year public or private university. Students and their parents can save money both on tuition as well as travel and living expenses, especially if the student lives at home. This can translate into taking out smaller student loans and paying them off sooner after graduation.

Going to a community college also comes with other benefits. Here’s a closer look at why a college-bound student might consider choosing a community college.

What Is a Community College?

A community college, also known as a junior college or two-year college, provides a two-year course of study that either ends with an Associate of Arts (AA) or Associate of Science (AS) degree. Alternatively, it can provide the equivalent to the freshman and sophomore years of a four-year college, since credits can typically be transferred and used toward a bachelor’s degree.

Community colleges are located throughout the U.S. and come in varying sizes. You can find large community colleges with multiple campuses in urban and suburban areas, as well as small community colleges in rural settings.

Many community colleges also have technical and vocational programs with close links to local high schools, community groups, and employers.

Benefits of Attending a Community College

Here’s a look at some of the advantages of going to a community college vs. a four-year college or university.

A Smoother Transition

The transition from high school to college can be challenging, but attending a community college can be easier for some people.

Community college classes are generally smaller and less intimidating. If you prefer smaller class sizes and not having to walk across a large campus daily with thousands (or tens of thousands) of students, then a community college may feel less overwhelming.

Transferring to a four-year college could also be easier for students who have taken classes from a community college.

If you are thinking about using community college as a stepping stone to a four-year school, you may want to find out if the school has a transfer relationship with any four-year colleges, and what GPA and grades are needed to successfully transfer.

If the school doesn’t have a relationship with a college you’re considering, you’ll want to make sure that the credits earned will count at that college.

Flexibility

One reason that many students opt for community college is the flexibility. You can typically take as many classes as you want, and it can vary from semester to semester.

Community colleges also give students the option to enroll when they want, unlike four-year universities, where you typically need to enroll by early fall.

Rolling admissions give students more flexibility in planning their studies, especially if they are working part time or need to save money to pay for tuition and books. The community college website will include key deadlines and requirements, such as transcripts from high school or another college, and any prerequisite classes.

The schedules at community colleges also tend to be more flexible, often allowing a student to work during the day and take classes in the evening.

A Possible Bachelor’s Degree

A growing number of states are allowing some community colleges to offer bachelor’s degree programs. This means students do not always have to transfer to another college after taking classes the first two years. While many of the degrees are focused on a particular industry or skill, community colleges are adding more degree options.

Obtaining a four-year degree at a community college could save a student the time of researching other universities and colleges, transferring credits, having to move, and potentially accruing more student loan debt.

Community colleges are updating the type of degrees offered to meet the needs of the workforce and often include ones in information management, nonprofit management, and health care.

Recommended: A Guide to Choosing the Right College Major

Price Tag

Community college tuition is typically significantly lower than tuition at public and private universities. Some states even offer free community college.

According to the Education Data Initiative, the average cost of tuition at an in-district community college is $3,598 per year. For out-of-state students, the average community college tuition is $8,622.

For comparison, yearly tuition at a public university averages $11,260 (for in-state students) and $29,150 (for out-of-state students). The average student at a private college or university spends a total of $41,540 on tuition and fees.

Even if you don’t live at home while attending community college, you may be able to find housing that is less costly than living in a dorm or an off-campus apartment in a college town. Plus, taking classes at a nearby community college gives you the flexibility to work part time and earn some income you can use to cover your college expenses.


💡 Quick Tip: Need a private student loan to cover your school bills? Because approval for a private student loan is based on creditworthiness, a cosigner may help a student get loan approval and a lower rate.

Financing a Community College Education

You can cover the cost of community college (and potentially two additional years at a traditional college after that) using a combination of savings, help from family, financial aid, and loans.

A great first step is to fill out the Free Application for Federal Student Aid (FAFSA), which will let you know if you are eligible for financial aid, which includes grants, scholarships, work-study, and federal student loans (which may be subsidized or unsubsidized).

You can also help pay for your community college tuition by working at a part- or full-time job while taking classes in the evenings.

If you still have gaps in funding, you may want to look into getting a private student loan. These are available through private lenders, including banks, credit unions, and online lenders. Rates and terms vary, depending on the lender. Generally, borrowers (or cosigners) who have strong credit qualify for the lowest rates.

Keep in mind, though, that private loans may not offer the borrower protections — like income-based repayment and Public Service Loan forgiveness — that automatically come with federal student loans.

The Takeaway

Community college can be an affordable, flexible, and convenient way to pursue higher education. The average cost is less than $4,000 a year for in-district tuition, which can make it a valuable choice for many students. However, students may still need help making ends meet financially, which is where federal and/or private student loans can help.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

What are the pros of going to community college?

Community colleges can provide affordable, flexible educational options, often with smaller class sizes. Credits may be transferable should a student choose to pursue a degree at a four-year institution.

Is it better to go to a university or a community college?

Finding the right fit will depend on a student’s needs. In general, a four-year college or university will provide deeper training and greater career readiness than a community college. However, community colleges can be flexible and affordable ways to pursue a degree after high school.

What are the cons of a community college?

Possible cons of going to a community college include more limited paths of study, less preparation for careers, and less sense of community and bonding with classmates and professors as you work toward graduation.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Over the past few decades, the cost of earning a college degree has soared. For the 2024-25 academic year, the average cost of attendance was roughly $30,000 at in-state public universities, $49,000 for public universities out of state, and $63,000 at private colleges, according to the College Board.

Those figures can feel overwhelming to many families. Fortunately, financial aid can make higher education far more affordable. Generally speaking, there are two main types: gift aid and self-help aid.

Gift aid is financial assistance that typically does not have to be paid back. This includes grants and scholarships, which may be awarded based on financial need or merit. Self-help aid, on the other hand, includes work-study opportunities and loans. It’s referred to as self-help because the student is responsible for taking action, either by working for wages or repaying borrowed funds.

Understanding the differences between these two types of aid can help you make smarter financial decisions for your education. Here, we’ll walk you through how each type of financial aid works, their pros and cons, and how to qualify.

What Is Gift Aid?

Gift aid refers to financial assistance awarded to students that generally does not require repayment. Gift aid can come from various sources — federal or state governments, colleges, private organizations, nonprofit foundations, and even employers.

Here’s a look at the two main types of gift aid:

Grants

Government agencies, private organizations, and colleges award grants to both undergraduate and graduate students, typically based on financial need. Award amounts, eligibility requirements, and application processes vary depending on the grant.

The largest federal grant program available to undergraduate students is the Pell Grant. For the 2025–26 award year, the maximum Federal Pell Grant is $7,395. Other federal grants include the TEACH Grant (for students who want to pursue a teaching career) and Federal Supplemental Educational Opportunity Grant (for undergraduate students with exceptional financial need).

There are also state-specific grants and institutional grants. You generally apply for grants by filling out the Free Application for Federal Student Aid (FAFSA®).

💡 Quick Tip: SoFi offers low fixed- or variable-interest rates. So you can get a private student loan that fits your budget.

Scholarships

There are thousands of scholarships available to help students pay for college. They are offered by schools, employers, individuals, private companies, nonprofits, communities, religious groups, and professional and social organizations.

Scholarships are often awarded based on merit, such as academic achievement, athletic ability, artistic talent, leadership qualities, or a specific field of study. Some scholarships are based on financial need. There are also scholarships that are geared toward particular groups, such as scholarships for women or students who come from military families.

You can find out about scholarships through your high school guidance counselor and the financial aid office at the school you plan to attend, as well as by using an online scholarship database. “Start researching scholarships early, because gathering the required documents and information to apply takes time, and early deadlines are common for large awards,” advises Brian Walsh, CFP® and Head of Advice & Planning at SoFi.

Pros and Cons of Gift Aid

There are both benefits and drawbacks to gift aid. Here are some to keep in mind:

Pros of Gift Aid

•  No repayment required: You typically don’t have to pay the money back, making it the most financially beneficial type of aid.

•  Reduces long-term debt: Every dollar of gift aid is one less dollar you might need to borrow.

•  Can cover a variety of costs: Depending on the award, funds may be used for tuition, fees, housing, books, and other education-related expenses.

•  Can be renewable: Many grants and scholarships can be renewed annually if you continue to meet the requirements.

Cons of Gift Aid

•  Competitive and limited: Scholarships often have strict eligibility requirements and can be highly competitive.

•  May not cover all expenses: Gift aid often doesn’t fully cover the total cost of attendance.

•  Performance requirements: Some awards require you to maintain a certain GPA, be enrolled full-time, or meet other ongoing conditions.

•  Possible impact on other aid: Receiving large amounts of gift aid can sometimes reduce eligibility for need-based aid.

What Is Self-Help Aid?

Self-help aid includes resources that require either repayment or active participation by the student. Here’s a look at the two main types of self-help aid.

Work-Study Program

The Federal Work-Study Program provides part-time jobs for undergraduate and graduate students with financial need, helping them to earn money they can put towards education expenses. These jobs are often located on campus, but they can also be with off-campus nonprofit organizations or public agencies. Work hours also tend to be flexible to accommodate class schedules.

When you get a work-study job, you’ll earn at least the current federal minimum wage. These earnings will be paid directly to you (unless you request otherwise) and can be used for any expenses, not just tuition.

Students apply for work-study through the FAFSA, which determines eligibility based on financial need. If you’re eligible, work-study will likely be included in your financial aid package.

While work-study can be a great way to earn money and gain work experience, it’s important to note that your earnings will depend on how many hours you can work, and the total award is capped at a certain amount per year.

Federal and Private Student Loans

Student loans are borrowed funds that must be repaid with interest. There are two main types of student loans: federal and private.

Federal student loans are offered by the U.S. Department of Education. These loans generally have lower interest rates and more flexible repayment options. You do not have to start repaying federal student loans until after you graduate, leave school, or change your enrollment status to less than half time.

The main types of federal student loans include:

•  Direct Subsidized Loans: Offered based on financial need, the government pays the interest on these loans while you’re in school at least half-time. There are annual (and total) limits on how much you can borrow.

•  Direct Unsubsidized Loans: These loans are not offered based on financial need, but interest will begin accruing from the moment the loan is disbursed. As with Direct Subsidized Loans, there are annual (and total) limits on how much you can borrow.

•  Direct PLUS Loans: These loans are available to parents of dependent undergraduates and graduate/professional students. Eligibility is based on a credit check, and you can currently borrow up to the full cost of attendance, minus other aid. (Note: Grad PLUS loans are being eliminated as of July 1, 2026.)

Private student loans are provided by banks, credit unions, and other private lenders. A credit check is required, so students typically need a cosigner unless they already have a strong credit history. Private student loans often have higher interest rates and fewer borrower protections than federal student loans. However, they come with higher borrowing limits, which can make them useful for bridging funding gaps if federal aid is insufficient.

💡 Quick Tip: Parents and sponsors with strong credit and income may find much lower rates on no-fee private parent student loans than federal parent PLUS loans. Federal PLUS loans also come with an origination fee.

Pros and Cons of Self-Help Aid

Here’s a look at the advantages and disadvantages of self-help aid:

Pros of Self-Help Aid

•   Accessible to many students: Student loans and work-study programs are widely available.

•   Builds responsibility: Managing work and loan repayment can help students develop time management and budgeting skills.

•   Flexible repayment for federal loans: Federal loans offer options like income-driven repayment, deferment, and loan forgiveness for qualifying borrowers.

•   Work experience: Work-study jobs can build your résumé and help with networking.

Cons of Self-Help Aid

•   Repayment obligation: Loans must be repaid with interest, which can significantly increase the total amount you owe.

•   Potential for debt burden: Borrowing too much can lead to long-term financial strain after graduation.

•   Limited earnings with work-study: Work-study wages are often modest and unlikely to cover major expenses.

•   Time commitment: Balancing work hours with academic responsibilities can be challenging.

Qualifying for Gift Aid and Self-Help Aid

Both gift aid and self-help aid are typically awarded through the college’s financial aid process, and most programs require you to submit the FAFSA each year.

Eligibility for gift aid is often based on:

•   Financial need: Many grants, such as the Pell Grant, are need-based.

•   Academic achievement: Scholarships may require a certain GPA, standardized test score, or other achievements.

•   Special criteria: Some awards are based on factors like major, athletic ability, community service, or demographic background.

How to qualify for self-help aid depends on the type of aid.

•   Work-Study: This is awarded based on financial need as determined by your FAFSA, but also depends on available funding at your school.

•   Federal loans: Students who complete the FAFSA typically qualify for some type of federal student loan, regardless of credit history or income.

•   Private loans: These loans require a credit check, and students without established credit may need a cosigner.

It’s important to meet all deadlines and supply accurate information to maximize your eligibility for any aid.

The Takeaway

When it comes to paying for college, both gift aid and self-help aid can play important roles. Gift aid — grants and scholarships — reduces the cost of college without adding debt, making it the ideal first choice. However, because gift aid alone often doesn’t cover the full cost of attendance, self-help aid like work-study and student loans can help bridge the gap.

A smart approach is to prioritize free money first, then use self-help aid to fill in any remaining needs. Borrow only what you truly need, and be mindful of repayment terms. By understanding your aid options and planning ahead, you can make college more affordable without sacrificing your financial future.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

What is the difference between gift aid and self-help aid?

Gift aid is financial assistance for college that doesn’t need to be repaid, such as grants and scholarships. It’s often awarded based on financial need, academic merit, or special criteria. Self-help aid, on the other hand, requires the student to take action, either by repaying borrowed money (student loans) or working for wages (work-study programs). While gift aid directly reduces costs, self-help aid helps students manage expenses through debt or employment, so it typically requires more responsibility after receiving it.

Do parents who make $120,000 still qualify for FAFSA?

Yes, FAFSA isn’t itself an income-based approval system. It’s simply the application for federal student aid. While high-income households may not qualify for need-based federal grants like the Pell Grant, they can still access unsubsidized federal loans, work-study (in some cases), and merit-based scholarships awarded by colleges that use FAFSA information in their aid decisions.

What is self-help aid for college?

Self-help aid is financial assistance that requires the student to take an active role in covering education costs, either through repayment or work. The two main forms are student loans, which must be repaid with interest, and work-study programs, where students earn money by working party-time jobs, often on campus. Unlike gift aid, which is essentially free money, self-help aid doesn’t reduce tuition costs. Instead, it provides a way for students to manage their expenses.

What are two types of gift aid?

The two main types of gift aid are scholarships and grants. Scholarships are often awarded based on merit, such as academic achievement, athletic skill, leadership, or artistic talent, though some also consider financial need. Grants are typically need-based and come from the federal government, state programs, or institutions. Both scholarships and grants typically do not require repayments, making them highly desirable forms of aid.

SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student loans are not a substitute for federal loans, grants, and work-study programs. We encourage you to evaluate all your federal student aid options before you consider any private loans, including ours. Read our FAQs.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

SoFi Bank, N.A. and its lending products are not endorsed by or directly affiliated with any college or university unless otherwise disclosed.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Online college classes give you the flexibility to study from anywhere — your bedroom, home office, or even a coffee shop. Having the option to take some (or all) of your classes online can also make it easier to balance school with other commitments, such as a full-time job or family responsibilities.

However, online learning also comes with some challenges. It can be difficult to focus if you’re not in an actual classroom. Plus, virtual learning can make it harder to make connections with professors and other students at the school.

Read on for a closer look at how online classes work, their pros and cons, and how to make the most of virtual learning.

Types of Online Classes

There are two main types of online classes. Here’s a closer look at each.

Hybrid Approach

A hybrid course is a mix of in-person instruction and remote learning. The exact schedule will vary by school, class, and instructor, but may include several hours of live or prerecorded virtual learning per week with one in-person session. For example, a chemistry course could include virtual learning and in-person lab work.

Hybrid courses offer the benefits of remote learning without fully abandoning in-person instruction, making it a prime choice for students concerned that online classes may not meet their needs.

Exclusively Virtual

Classes that are all virtual never meet in person. Instruction is given through live webinars, prerecorded video, and physical or digital material.

Depending on the format of the course, students can fit sessions into their schedule as they see fit, an option not provided by a hybrid or traditional class.

Benefits and Potential Pitfalls of Virtual Courses

While virtual learning is ideal for some students, it may be frustrating for others. Here’s a look at some of the pros and cons of taking college courses online.

Pros of Online Courses

Flexibility: The ability to learn whenever and wherever can be a huge advantage for a student with a hectic schedule. Though there are still deadlines and due dates to abide by, learning can typically take place around work, social commitments, and personal preferences. While some courses may include live remote sessions, they’re typically recorded and available for students to view at a later time.

Real-life experience: Online courses tend to put more responsibility on the student. Learning how to prioritize instruction in a flexible schedule can help prepare students for careers.

Potential savings: If a course was designed to be taught in person but has recently been adapted for online instruction, a discount may not be available. But for courses originally built for virtual learning, students often find they can save on the average credit cost. An online degree might also have a condensed schedule. allowing you to get your degree faster.

There are other savings to consider. With online instruction, students generally don’t have to worry about paying for parking, gas, or lunch on the go. Plus virtual learning can allow you to pursue an education while working full or part time, an option not always available to in-person students.

Recommended: How to Find the Right College

Potential Cons of Online Courses

Minimal social benefits: One potential downside to taking a class online is lack of personal interaction. You might find it harder to ask the teacher questions and make connections with fellow students. And, some students simply respond better to in-person vs. online learning, and might struggle to concentrate when learning virtually.

A lack of professional networking: Students often discover opportunities to build relationships with professors and assistants that can lead to careers. Virtual learning makes these relationships more difficult to find and develop.

Scheduling conflicts: While the flexibility of online classes can be appealing, it can create scheduling conflicts. If you are challenged by time management, you may find yourself procrastinating and struggling to manage your workload along with other everyday responsibilities.

Tips for Online Classes

Here are some words to the wise for taking online courses, for both newbies and experienced virtual students.

•   Respect the course. Do you suspect that an online course has less value than in-person instruction? The educational value is the same. It’s just being delivered in a different fashion.

•   Think about time management. Even experienced virtual students can often improve their time management skills. Review the syllabus at the start of the semester, note major assignments, and look for potential conflicts.

•   Try to avoid distractions. When taking online courses, it might be best not to set up in front of the TV, as tempting as it may be. Consider cobbling together a home office that blocks distractions and creates a productive environment.

•   Participate. While an online class can be an introvert’s dream, there are still opportunities to participate. Many online courses offer a forum for students and instructors to discuss course materials, comment on one another’s work, and ask questions as needed.

Funding the Virtual Voyage

Even though some online classes and degree programs can be more affordable than their in-person counterparts, tuition costs may still come with sticker shock. Depending on the school and online program you’re looking to enroll in, however, you may have the following options to help fund your college education.

Paying à la Carte

Online courses are often designed to fit a working student’s schedule (though being employed certainly isn’t a requirement). In some cases, you may be able to pay for classes as you go. In others, the school may also offer a payment plan, allowing you to make monthly payments over time to cover the cost of your online degree.

Federal Loans

By filling out the Federal Application for Federal Student Aid (FAFSA), you will find out if you are eligible for federal student aid, including grants (which you don’t have to pay back) and loans (which you do).

With federal subsidized student loans, you won’t start accruing interest until six months after you graduate. With unsubsidized federal loans, interest begins to accrue as soon as the funds are dispersed (though you can defer making any payments until six months after you graduate). Federal student loans don’t require a credit check and come with a relatively low, fixed interest rate set by the government.

Private Loans

If there are still gaps in funding, you may also want to explore private student loans. These are available through private lenders, including banks, credit unions, and online lenders, and do require a credit check. If you don’t have much credit history or income, you will likely need a cosigner. Rates may be fixed or variable, and are set by the lender. Borrowers with excellent credit tend to qualify for the lowest rates.

A private student loan can cover up to 100% of the cost of school-certified attendance, both for in-person and online courses. Keep in mind, though, that federal student loans offer benefits, like income-based repayment plans and Public Service Loan Forgiveness, that are not guaranteed by private lenders.

The Takeaway

Online classes can have several advantages over in-person ones, saving you time and money and offering the convenience of studying whenever and wherever suits you. However, to succeed, you likely need to focus on minimizing distractions, managing your time wisely, and participating to get the most out of paying for your courses. Also look into options for paying for qualifying classes, such as federal and/or private student loans.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

How to do well in online classes?

Tactics for doing well in online classes include focusing on time management, avoiding distractions, and participating to boost engagement.

How hard is it to take online classes?

Online classes can require more focus, organization, and time management skills than in-person classes. You likely won’t have your professors talking in class about assignment due dates and upcoming tests. Also, distractions when watching classes must be minimized.

Are online classes easier than in-person ones?

It’s a myth that online classes are intrinsically easier than in-person ones. The level of difficulty can vary tremendously among both online and in-person classes. Also, online classes can demand greater focus, time management, and self-reliance to succeed.

About the author

Julia Califano

Julia Califano is an award-winning journalist who covers banking, small business, personal loans, student loans, and other money issues for SoFi. She has over 20 years of experience writing about personal finance and lifestyle topics. Read full bio.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

SOISL-Q325-103

College orientation is an exciting initiation into freshman year and an opportunity to learn about your classes and extracurricular activities, make friends, and get acclimated to your new surroundings.

While it may span just a few days or a week in total, college orientation is packed with information and experiences that can set you up for success over the next four years.

Planning ahead and diving into the details of the orientation schedule is just one of many ways to prepare for college. Although every school operates differently, here are some key college orientation tips and things to expect when you arrive on campus.

When Does Orientation Take Place?

Some college orientations happen in the middle of summer, while others take place right before the beginning of the semester. The earlier variety is typically conducted in smaller groups and may be organized separately for specific programs or majors.

Midsummer orientations often give students the opportunity to stay in the dorms ahead of moving to campus. This can be a useful test run to get acquainted with the dorm life and mingle with fellow incoming students.

What Is an Orientation Schedule Like?

Once the college orientation schedule is available, look out for which parts are mandatory, such as taking a student ID photo and registering for classes, and any optional social, extracurricular, and informational activities that sound interesting or helpful.

College orientation is a time to make friends and get acquainted with college life, but knowing where the dining hall, laundry room, student transportation, and other services are located also comes in handy.

Having a game plan for the orientation schedule will give you an opportunity to invite new acquaintances to attend an event or activity together. At the same time, allowing yourself to go with the flow a bit might alleviate some of the stress.

Compared to a strictly regulated high school schedule, college students are given much more discretion in making decisions for themselves. While this newfound freedom can be liberating, it can present challenges for balancing studying effectively with the fun, social aspects of college.

Orientation is a chance to get acclimated before the pressure of staying on top of schoolwork arises.

Recommended: 10 Ways to Prepare for College

What Happens at Orientation?

The full scope of college orientation will vary by institution. However, there will likely be a mix of instructional and social activities to round out each day. Some topics that are typically covered include:

•   School rules, policies, and code of conduct

•   Meetings with an academic or department advisor

•   Guided tour of campus

•   Skits and role-play activities

•   Ice breakers with a residential advisor and dorm floormates

While some sessions may feel tedious, making a good first impression on a residential advisor, professor, and peers can be invaluable.

Learning About Extracurricular Activities and Campus Life

College orientation usually includes a range of informational and fun activities to introduce students to campus activities. Many student clubs and organizations have tables at orientation or early in the semester to meet and attract incoming students.

Depending on school size and culture, the number of offerings and niches can be vast compared to high school, including intramural sports, Greek life, theater troupes, and culture clubs.

Learning the Lay of the Land

After the guided tour, you may want to spend some time going over (and memorizing) how to get to the dining hall, student center, and your classrooms — this can save you lots of time and potential embarrassment from being late on the first day of classes. Classrooms may be organized by department in different buildings across campus.

During college orientation, you may also be able to join group outings to explore your college town or sign up for guided shopping trips to pick up groceries, cleaning supplies, and other dorm essentials.

Moving Into the Dorms

At colleges that hold orientation directly before the beginning of the semester, you may be able to sign up in advance for a block of time to park and transport your belongings into your dorm room.

With many students and families arriving on the same day, the scene can be a bit of a frenzy. Keep an eye out for registration emails prior to orientation to snag a good move-in time.

Mid to late morning is often a safe bet to get ahead of the crowds and summer heat. Also, packing efficiently can save time and stress on move-in day.

Beyond studying and sleeping, dorms are a social hive for freshmen students. A helpful college orientation tip: Setting up a welcoming, furnished dorm room is a great way to prepare for movie nights and parties with newfound friends.

Recommended: College Freshman Checklist for the Upcoming School Year

Downtime for Socializing

The orientation schedule tends to wind down in the afternoon and early evening, allowing students plenty of time to hang out and get to know each other. Keeping that in mind may help you resist the urge to skip important orientation sessions to meet up with new roommates and friends.

What About Parents and Family?

While starting college is an exciting time, it can also feel bittersweet for students, parents, and other family members. To honor the occasion, many colleges incorporate group activities, lunches, and festivities for students and families to partake in together during the first day or two of orientation.

Before saying goodbyes, parents and family members may be able to join a separate orientation to prepare them for the transition. Usually, these sessions are intended to provide guidance to support students and offer insight into their child’s life at college.

They are also an opportunity for families to meet other families, as well as learn about resources and noteworthy events, such as family weekend and homecoming.

Paying for College

College orientations may also offer sessions about navigating the financial aid system. Tuition, books, and other educational costs aren’t cheap, and everyone’s financial situation is different.

Financial aid sessions may cover aid distribution dates, when tuition is due, how to pay tuition, and how to add money to student accounts for incidentals. Parents and students may want to attend this session together to ask questions that come up during the discussion.

Fortunately, there are a variety of ways to pay for higher education. In addition to saving for college ahead of time, there are several options to consider when creating a plan.

Scholarships

Scholarships are awarded to students by community organizations, private foundations, nonprofits, colleges, and other groups. The criteria for earning a scholarship varies, though many focus on academic achievement, financial need, or program of study.

According to Sallie Mae’s “How Americans Pay for College” 2023 report, approximately 61% of college students received scholarship money during the 2022-2023 academic year.

Many scholarship applications open before college starts, though there may be additional opportunities once college begins. Researching scholarships in your hometown and college is a great place to start.

Online resources, such as collegeboard.org and SoFi’s Scholarship Search Tool, keep an updated list of scholarships as well. Applying early for scholarships may be an advantage, as some large awards may have early deadlines. For instance, some scholarships stop accepting applications during the fall for distribution the next school year.

Grants

Like scholarships, grants are financial awards given to students to pay for their education — they do not have to be repaid. The main difference is that grants are usually based on need instead of academic merit. By completing the Free Application for Federal Student Aid (FAFSA), you can find out what aid you are eligible for, including the federal Pell Grant Program or state-wide grant opportunities.

Work-Study

Many college students pick up a part-time job to help pay tuition and living expenses. One way to secure work is through Federal Work-Study , a program that employs qualified college and graduate students in on- or off-campus jobs. Pay varies, but participants will earn at least minimum wage.

Work-study eligibility is based on several factors, including family income and enrollment status, and is offered as part of a student’s financial aid package.

A job is not guaranteed even if work-study is awarded. Early application is key because a school’s program funds may be limited and jobs are awarded on a first-come, first-served basis.

Student Loans

Whether or not you receive a scholarship, grant, or work-study, there are several student loan options you might want to consider applying for.

Federal student loans, which are either subsidized or unsubsidized, are offered as part of a student’s financial aid package. If you qualify for a subsidized student loan (which is based on need), interest won’t begin to accrue until six months after you graduate. With an unsubsidized federal student loan, interest begins to accrue right away (though you can defer making any payments until six months after you graduate). Interest rates on federal student loans are fixed; for the 2025-2026 academic year, the rate for a subsidized or unsubsidized federal loan is 6.39%.

Federal student loans come with such protections as deferment and income-driven repayment plans.

Private student loans from banks, credit unions, and online lenders may help fill any remaining gaps in paying for college. These loans are not subsidized or need-based, and their interest rates may be fixed or variable.

To apply for a private student loan, you generally fill out a loan application either alone or with a cosigner. Rates vary depending on the lender, but borrowers with excellent credit typically qualify for the lowest rates. These loans, however, don’t come with the same benefits as federal student loans and the rates are typically somewhat higher, so it’s generally worthwhile to first see what federal aid you can access.

The Takeaway

College orientation is an important and exciting time for students where you learn about the campus, classes, extracurricular activities, and your fellow students. It’s a good opportunity to get acclimated and embark on your independent life as a college student. You’ll also learn what supports are there, whether that means dealing with your academic workload, homesickness, or financial aid concerns.

If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.

FAQ

What should you expect at college orientation?

College orientation typically introduces you to your school, such as campus tours, extracurriculars, and financial aid practices. In addition, it gives you the opportunity to take part in fun events, meet your dorm mates and RAs, interact with university staff, and get accustomed to how college life operates.

Is it important to go to college orientation?

In general, it’s a smart move to go to college orientation. It’s a valuable introduction to college life, and it can help a student successfully transition into life at their new school. You’ll learn about where things are, academic expectation, extracurricular activities, and available resources, as well as meeting other students and university staff.

How long is college orientation?

The length of college orientation varies dramatically from school to school. In some cases, it only lasts a matter of hours; in others, it can be several days or even a week.

Do parents go with you on school tours?

The answer to whether parents go with you on school tours is that it can depend. Some students and parents definitely want to take tours together and discuss what they have seen and heard. Other students would rather go solo or visit campuses with a couple of their friends or a sibling. Lastly, don’t be surprised if a school divides the tour up into two kinds of groups, one for students and one for parents. That can be a way for students to develop their own independent view of the campus.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. SoFi Private Student loans are subject to program terms and restrictions, such as completion of a loan application and self-certification form, verification of application information, the student's at least half-time enrollment in a degree program at a SoFi-participating school, and, if applicable, a co-signer. In addition, borrowers must be U.S. citizens or other eligible status, be residing in the U.S., Puerto Rico, U.S. Virgin Islands, or American Samoa, and must meet SoFi’s underwriting requirements, including verification of sufficient income to support your ability to repay. Minimum loan amount is $1,000. See SoFi.com/eligibility for more information. Lowest rates reserved for the most creditworthy borrowers. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change. This information is current as of 4/22/2025 and is subject to change. SoFi Private Student loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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