Sending your child off to college is a big milestone — full of pride, nerves, and a lot of prep.

You’re not just packing their bags. You’re helping them take their first real step toward independence. This checklist will help you get them ready — financially, academically, and emotionally.

1. Start With Money Talks
Before shopping for dorm gear or buying books, talk about finances. Clear expectations now can prevent headaches later.

• Set Expectations: Who’s covering what — tuition, groceries, gas, rent? Be specific.
• Create a Budget Together: List out expenses, even fun ones like coffee or pizza.
• Review Financial Aid: Know when funds arrive, what they cover, and what’s left.
• Set Up an Emergency Fund: Even $500 in a shared savings account helps in a pinch.

2. Teach Banking Basics
College is often a student’s first solo experience managing money. Help them start strong.

• Open a student checking account
• Set up mobile banking and alerts
• Talk about credit use and how to build it wisely
• Discuss online safety and how to avoid fraud

With the right tools, they’ll build smart money habits from day one.

3. Dorm Life: Pack Smart and Save
Dorm shopping is exciting — but it can get out of hand fast.
Start with the basics. Add comforts later.

Essentials:
Twin XL bedding, towels, shower gear, storage bins

• First-aid kit, surge protector, comfy slippers
• A few personal items — but no clutter

Tips:

• Coordinate with roommates — no need for duplicate items
• Check dorm rules — some appliances aren’t allowed
• Buy in phases — shop sales after move-in to save more

4. Academic Readiness: Build Strong Habits Early
Tech and textbooks matter — but strong habits matter more.

Must-dos:

• Submit transcripts, vaccine records, and course registrations on time
• Rent or buy used textbooks — double-check ISBNs
• Stock up on notebooks, highlighters, a good backpack, maybe a laptop

Encourage your student to:

• Block out weekly study time
• Use a calendar for assignments and deadlines
• Visit professors and tutoring centers early — not just before finals

5. Let Go, But Stay Connected
This is their time to grow — but your support still matters.

• Let them lead, but be there when they ask
• Check in regularly — not just about classes, but also money and well-being
• Celebrate smart decisions — they’re learning for life

We’re Here to Help You Launch Confidently
From student accounts to budgeting tools, Central Valley Firefighters Credit Union opens in a new windowis here to support your family’s next chapter.

Need help setting up an account or planning your college budget? Come by or give us a call.opens in a new window We’re ready when you are.