If it feels like the road to college looks nothing like it did when you were 18, you’re not wrong. From shifting admissions rules to a massive financial aid overhaul, higher education is changing fast — and parents of Gen Z teens are navigating a very different landscape than the one they remember. Here’s what you need to know.
Here’s what you need to know:
Gen Z still believes in college — with conditions –
Despite plenty of headlines suggesting otherwise, most Gen Zers haven’t given up on higher education. According to a 2023/2024 national survey by Gallup, more than 8 in 10 Gen Zers (83%) think a college degree is “very important” or “fairly important.” But they’re asking harder questions than previous generations did: Will this degree pay off? What’s the career path? How much debt will I carry? Parents who engage with these questions — rather than defaulting to “just go to college” — will have more productive conversations with their teens.
The real cost of college (and how to look past sticker shock)–
Those eye-watering tuition numbers aren’t always the full story. For the 2025-2026 school year, average in-state tuition and fees at public four-year colleges sit at around $11,371 — far more manageable than the $44,961 average sticker price at private colleges.
Plus, what students actually pay — the “net price” after grants and scholarships — can be dramatically lower than the advertised cost. The key is researching each school’s net price calculator before ruling anything in or out on price alone.
FAFSA has changed — here’s what matters –
The Free Application for Federal Student Aid (FAFSA) got a major overhaul starting with the 2024-2025 school year, and some of the changes catch families off guard. The form itself is now much shorter and tax information is pulled directly from the IRS, making it faster to complete.
But two changes in particular deserve attention. First, the sibling discount is gone: families with multiple children in college no longer receive a proportional reduction in their expected contribution, which could mean less aid for some households. Second, for divorced or separated parents, it’s now the parent who provided the most financial support — not the one the student lives with — who must complete the form. Bottom line: even if you think your family earns too much to qualify for aid, it’s worth filing. Many middle-income families still qualify for grants, scholarships, or low-interest loans.
The testing question –
For years, “test-optional” was the new normal. Now, that’s shifting again. In 2024, a wave of high-profile universities — including Harvard, Yale, Dartmouth, Stanford, and MIT — reinstated standardized testing requirements. More are expected to follow. That said, more than 1,800 schools are still test-optional or test-blind.
The practical advice: have your teen take the SAT or ACT anyway. At test-optional schools, a strong score can only help and at the growing number of test-required schools, it’s simply necessary.
Mental health: the factor families are underestimating –
Here’s something that may surprise you: mental health support has become one of the most important factors Gen Z students consider when choosing a college. Nearly half of Gen Zers (47%) often or always feel anxious, and more than one in five (22%) often or always feel depressed, according to Gallup. When touring campuses and comparing schools, it’s worth asking about counseling services and what ongoing support looks like.
It’s not just four-year degrees anymore –
More Gen Zers are exploring alternatives to the traditional four-year path — and finding real opportunity there. Enrollment in vocational-focused community colleges rose 16% between 2022 and 2023. Skilled trades like HVAC, electrical work, and plumbing offer strong earning potential, job security, and a fraction of the student debt. These aren’t fallback options — they’re smart choices for students who know what they want to do and want to get there faster.
The question for parents isn’t “college or no college” — it’s “what path actually fits my kid?”
What’s your experience navigating the college prep process with your teen? Has anything surprised you along the way? Share your thoughts with the Shop Talk community!
Did you know? Did you know? The trades are having a moment
I have a 22 year old grandson going to college, but he already did 2 years at a Community College so it won’t be as expensive as if he had gone to the College for all 4 years.
thanks for the information.
It is too late now, but that change to fafsa guidelines (counting only the parent who has primary custody) income would have meant a great deal when my own children went to college (and I wouldnt have had to struggle as much given my ex did not ever provide anything at all — not even child support).
When I grew up it was different — no real Aide at all, I just had to assess my options, enlisted in the Military, worked up the ranks, earned my Degrees all while serving (UGrad and Grad), and I’m glad I was able to do that.
The FAFSA part of the read was very interesting. I shared the info with my daughter. She will be needing this information for the end of next school year. Thank you!!
The real cost of college is definitely a far car from what I paid when I went to college. The rates are now somewhat better today for the students entering the colleges. However, I remember paying high costs for the textbooks that we had to carry compared to the cost of tuition. One year of college tuition, room and board on the campus came to a little over $1000 per year. Hard to believe, but nothing is comparable in prices today.
I found the article very interesting. Enjoyed it very
much
My adult children will always be grateful they graduated from college!
My son is still paying on his loans five years later, But he does have a good paying job.