Many colleges have long to-do lists of things to complete to get your financial aid distributed. But there are some other things you’ll want to do before going to college, and your financial aid office may not have told you about them.

10 – Decide Who Pays for What

If you are a dependent, your parents might help you out with college costs. But make sure that you’re on the same page. For example, you might need to pay for textbooks or extras, like team uniforms or club fees. If so, you’ll need to figure out how to pay for these expenses.

09 – Consider Taking Out Private Student Loans

Your parents might not be able to pay for all your college expenses, so you might have to take out loans. Federal loans only cover so much, so you might want to look into private student loans to cover any remaining expenses.

08 – Don’t Forget About Deadlines

Meeting the deadlines for applying for financial aid will help you get as much money as you can. Keep track of them in a spreadsheet or notebook. Look at the deadlines for important scholarships or loans too.

07 – Look for a Job

Getting a part-time job can help you pay for textbooks or nights out with your friends. Look for a flexible job that will fit around your schedule. Many schools have offices that help you find work on or near campus.

06 – Make a Budget

Whether your money is coming from a job, a loan, or your parents, think about where that money will go. Make a list of your expenses, including things you don’t need but would like. Don’t forget to allocate a portion toward savings.

05 – Get a Checking Account

If you haven’t already, now is the time to open a checking account. Make sure you can get online access and that it’s FDIC insured. The best one won’t have a minimum balance and will have few to no fees since it’s hard for students to meet these requirements.

04 – Get a Credit Card

Credit cards are useful for emergency expenses and making purchases for college-related costs. You might use a debit card or a parent’s card for normal purchases, but this is a great time to start establishing your own credit.

03 – Challenge Yourself in High School

Getting good grades in high school will prepare you for college-level work. But a better GPA might also help with tuition. Some scholarships and grants are awarded based on academic performance, and you don’t have to pay this money back.

02 – Get the Right Financial Apps

Between work, a social life, and classes, there will be times when you need to manage your finances on the go. Many banks offer mobile apps that will let you handle basic needs, like transferring funds and cashing paper checks. Some apps also let you pay bills, open investment accounts, and manage credit cards.

01 – Estimate What College Will Cost

Look at the estimated net price of your degree. This is the total cost minus scholarships and grants. Some colleges have a net price calculator on their websites.