The College Freshman Checklist Every Parent Needs
Sending your child to college is a huge milestone — full of pride, nerves, and questions. This isn’t just about packing boxes. It’s about setting your student up for real-world success.
Here’s a quick, practical checklist to help your freshman start strong — financially, academically, and emotionally.
1. Talk Money First
Before the dorm shopping spree, have an honest money talk.
Before the dorm shopping spree, have an honest money talk.
- Set Expectations: Who pays for what — tuition, rent, food, gas? Spell it out.
- Make a Budget Together: Break down all the basics (even pizza runs).
- Review Financial Aid: Know what’s covered, when it arrives, and what’s still due.
- Build an Emergency Fund: Even $500 in a BOFCU savings account can cover the unexpected.
2. Set Up Smart Banking
Help your student manage money with confidence — and the right tools.
Help your student manage money with confidence — and the right tools.
- Open a BOFCU Checking Account
- Activate Mobile Banking & Alerts
- Teach Basic Credit Skills
- Discuss Fraud & Account Safety
A little guidance now prevents big mistakes later.
3. Dorm Life: Pack Light, Spend Right
Dorm essentials are just that — essentials. Don’t go overboard.
Must-haves:
- Twin XL bedding, towels, shower gear
- Storage bins, surge protector, slippers
- First-aid kit, fan, and personal touches
Money-saving tips:
- Coordinate with roommates to avoid duplicates
- Know dorm rules (no candles, hot plates, etc.)
- Buy in phases — start small, add later
Thrift stores, sales, and student discounts can stretch every dollar.
4. Prep for Academic Success
Books and tech matter. But routines and habits matter more.
To-do list:
- Submit forms: vaccine records, class registration, etc.
- Rent or buy used textbooks (always double-check ISBNs)
- Stock up on supplies: laptop, notebooks, pens, planner
Encourage this:
- Schedule weekly study time
- Use a calendar for due dates and exams
- Visit professors and tutoring centers early on
5. Let Them Fly — With Support
Your job now? Step back, but stay close.
- Let them make decisions — and learn from them
- Check in regularly — not just about grades, but finances too
- Celebrate the wins — big and small
BOFCU Can Help Your Student Soar
- Student-friendly accounts
- Budgeting tools
- Friendly, local guidance
Need help getting started?
Visit your local BOFCU branch or reach out today. We’re here to help your family every step of the way.
Visit your local BOFCU branch or reach out today. We’re here to help your family every step of the way.