12 Essential Things to Do Before Leaving for Grad School

Starting grad school is an exciting step, but it also comes with big financial decisions, new responsibilities, and lots of paperwork. Whether you're moving across the country or staying close to home, getting organized early can make your transition easier — and save you money and stress along the way.

Below are 12 key steps to take between May and August to set yourself up for success before the semester begins.

MAY: Build Your Financial Foundation

1. Build Relationships With Your Financial Aid Office

Grad school financial aid can feel complex. One of the best early steps is getting to know the staff in your school's financial aid office. These professionals can help you navigate your aid package, answer questions you may not even know to ask, and serve as valuable contacts throughout your program.

2. Research Student Loan Options

Once you receive your financial aid award, compare it to your tuition bill. If there's a remaining balance, research additional financing options such as:

• Private student loans through a bank or lender
• Federal Direct Loans to fill in the gaps

Understanding your full range of choices helps you borrow wisely and budget confidently.

3. Consider a Co‑Signer (If Applicable)

If you're a full-time student, a co‑signer may help you qualify for a private student loan or secure a better interest rate. Have an open conversation with the person you're considering — make sure they understand the responsibility and that you're aligned on expectations.

JUNE: Secure Funding and Plan Ahead

4. Apply for Loans Early

Submitting loan applications sooner rather than later gives lenders time to process them before your tuition payment is due. If a parent or family member is borrowing on your behalf, offer to help gather documents or manage deadlines.

5. Get a Part‑Time Job (or Plan for One)

Many grad students work part‑time to help with living expenses. Consider:

• Asking your current employer about remote or flexible options
• Checking your school's career center for on‑campus jobs
• Looking for opportunities that align with your academic schedule

6. Set a Budget

A realistic budget helps prevent overspending during the semester. Map out:

• Tuition and fees
• Rent and utilities
• Books and supplies
• Transportation
• Day‑to‑day living expenses

A clear plan now will keep you grounded financially while you focus on your program.

JULY: Confirm Details Before You Arrive

7. Follow Up on Loan Applications

Waiting to hear back about financial aid can be stressful — but don't be afraid to check in. Contact your lender if your application is still pending or if they need additional documentation.

8. Check Your Wheels

If you'll commute to campus or bring a car, make sure it's in good shape. Schedule maintenance now rather than waiting until you're in the middle of your semester. If you rely on public transit, research routes, pricing, and schedules.

9. Get to Know Your Advisor

Your academic advisor will be one of your most important connections in grad school. Reach out to introduce yourself, learn about course recommendations, and ask any questions you have about your program or research opportunities.

AUGUST: Final Prep Before You Go

10. Check Your Student Accounts

Many schools use prepaid or student-specific accounts to manage daily expenses like printing, dining, or bookstore purchases.

Review your school's system so you know:

• How to load funds
• What expenses it covers
• How to track your balance

11. Shop for Textbooks Smartly

Before buying books at full price, compare:

• New vs. used options
• Digital versions
• Rentals
• Library copies
• Online marketplaces

Order early to avoid last-minute delays.

12. Track Your Student Loans

Keep a list of every loan you take out, including:

• Lender names
• Loan balances
• Due dates
• Disbursement schedule

Staying organized now will help you stay on top of payments — and avoid surprises later.

Final Thoughts

Preparing for grad school is a big step, and taking care of these tasks early helps you start your program feeling confident and organized. Use this checklist as your month-by-month guide to managing finances, paperwork, and academic planning without last-minute stress.

More information

We are committed to helping you reach your potential. For more information about how to pay for grad school, call 1-888-411-0266 to speak with one of our Student Lending Specialists, click here, or visit your nearest Citizens branch.