Building a college list, or a list of colleges and universities you’d be interested in applying to, is an important step when applying to college.
It can help you identify your best-fit colleges, narrow down your options, and make informed decisions about where to apply and ultimately attend.
If you don’t know how to build a college list, follow these steps.
Start Early
Rome wasn’t built in a day, and your college list shouldn’t be either.
If you have the opportunity to do so, start building your college list during your junior year of high school. That way, you’ll have plenty of time to research colleges, gather information, and make informed decisions.
Starting early can also help you reflect on your priorities and goals, without the pressure and stress of impending deadlines.
Create a List of Must-Haves
Whether it’s a fierce school spirit, an emphasis on STEM fields, or rich research opportunities, brainstorm a list of qualities you want your future college to have. This will help you narrow down your college list by allowing you to see how the schools you’ve selected differ.
Here are some factors you can consider:
Inside the Classroom
- How big is the average classroom?
- Do you prefer large or small classroom sizes?
- What kind of academic resources does the college have?
- What major/field of study is the college known for?
- What are the top programs at the college?
Outside the Classroom
- How many clubs (that you would be interested in) are there on campus?
- What do students do for fun?
- Is the campus walkable? Do you need a bike?
- Do students generally live on campus or off campus?
- Does the college provide housing for all four years?
- Is Greek life prominent on campus?
- What does the social scene look like?
Beyond the Campus
- Is the campus in a small town or a big city? Which do you prefer?
- What does the weather look like?
- Is the nearest city accessible?
- Is the neighborhood safe?
- What do students usually do on the weekends?
- Where are the nearest malls/grocery stores?
- How easy is it to get off campus? Does the school provide transportation, or do you need your own car?
Student and Alumni Makeup
- What is the most popular major?
- Is the student body demographic diverse or homogenous?
- What fields of work do graduates usually enter?
- What’s the average graduate’s starting salary?
- Are there any notable alumni?
- Does the school offer need-based or need-blind financial aid?
College Statistics
- What is the national school ranking?
- What is the student graduation rate?
- What is the student retention rate?
- What is the annual tuition?
The latest rates from Sparrow’s partners
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Research Schools
After narrowing down the qualities you want in a college, it’s time to start digging. Take advantage of the Internet by looking into schools of interest, reading articles, and using different online tools.
Niche is a useful site to look through if you want to know more about how different colleges are ranked in the United States.
If you want to know more about a school’s numbers, consider using the U.S. Department of Education’s College Scorecard. The website gives each college a “scorecard,” which tells you everything about the school’s graduation rate, financial aid costs, test scores, and acceptance rates.
The College Board also has a great college search tool that allows you to explore colleges by filtering through location, major, type, and campus life.
Create a Document With All the Details
Now that you have an idea of what schools you might be interested in, along with the qualities you look for in a school, it’s time to get it all on paper. List out each of the schools, how they rank in terms of the qualities you’re looking for, and whether they’re a safety, match, or reach school.
Safety Schools
Match Schools
Reach Schools
A safety school is one where the student is virtually guaranteed admission.
A match school is one where the student has a good chance of admission.
A reach school is one where the student has a slim chance of admission.
Many online tools can help you determine which category the school falls into based on your academic profile, standardized test scores, GPA, and more. It’s important to have a mix of safety, match, and reach schools to increase your overall chance of admission.
Consider using this sample college profile as inspiration:
School: UNC-Chapel Hill
Category: Match
Acceptance Rate: 21%
Potential Major: Computer Science
Undergraduate Size: 19,743
National Ranking: 29
Annual Cost of Tuition: Assessed on a per credit hour basis
City: College town in Chapel Hill, North Carolina
Weather: Has all four seasons, sunnier than northeast schools
Total Amount of Clubs: 976
Potential clubs: Apples Service-Learning Program, ArtHeels
General Thoughts: First public university in the United States, well-known for academics, lots of school spirit…
Narrow Down the List
Narrowing down a college list can be challenging, but it’s an important part of the college search process. Generally, it’s recommended that students have anywhere between 5-10 colleges on their college list. Here are some steps to help you narrow down your college list:
#1: Speak With Current Students and Alumni
Speaking with current students and alumni at the schools you are interested in is an effective way to learn more about a school and determine whether you’d be interested in attending.
You can do this in several ways:
- Reach out to the school’s admissions office and ask them to put you in contact with a current student.
- Connect with a student or alumni on LinkedIn.
- Speak with any high school alumni who attend/attended the school.
- Participate in a Student for a Day program. Some schools will allow you to tag along with a student for a day to get a feel for what it’d be like to attend the university.
Make sure to ask them specific questions like:
- What is your favorite and least favorite part about attending?
- Do you feel like professors are helpful and responsive to your needs?
- Do you feel supported by your academic advisor?
- How easy or difficult was it to settle in here? (ie. to make friends, to find clubs to join, etc.)
#2: Tour the Campus
There’s no better way to determine your “fit” with a school than visiting it. This way, you can really get a feel for what the school is like and decide whether you can see yourself there for the next four years.
However, visiting in person isn’t always a make-it-or-break-it for determining whether you “fit” at a school. There are plenty of students who never visited the campus and ended up loving it, and vice versa.
If visiting in person isn’t an option for you, check whether or not the school has a tool that allows you to do virtual tours. Youtube is another great place to see what a school looks like.
#3: Seek Advice
Talk to guidance counselors, teachers, and other trusted adults to get additional perspectives. Speaking to individuals who have been through the process before can help you gain some insights into how you can whittle down your college list.
#4: Have a Serious Talk With Your Parents About Affording College
Whether or not affordability is a factor in determining which colleges you want to apply to, it’s important to have a serious talk with your parents about paying for your education. This way, your parents will have a general idea of what costs to expect, while you can gain more exposure to what finance in the real world looks like.
Speak with your parents to determine what is and what isn’t affordable.
Student loan rates from our partners
Ascent
Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills, or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentFunding.com/Ts&Cs. Rates are effective as of 5/1/2025 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: AscentFunding.com/Rates. 1% Cash Back Graduation Reward subject to terms and conditions. Cosigned Credit-Based Loan student must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest rates require full
principal and interest payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the repayment examples above, based on the amount of time you spend in school and any grace period you have before repayment begins.
Ascent’s undergraduate and graduate student loans are funded by Bank of Lake Mills, or DR Bank, each Member FDIC. Loan products may not be available in certain jurisdictions. Certain restrictions, limitations; and terms and conditions may apply. For Ascent Terms and Conditions please visit: www.AscentFunding.com/Ts&Cs. Rates are effective as of 5/1/2025 and reflect an automatic payment discount of either 0.25% (for credit-based loans) OR 1.00% (for undergraduate outcomes-based loans). Automatic Payment Discount is available if the borrower is enrolled in automatic payments from their personal checking account and the amount is successfully withdrawn from the authorized bank account each month. For Ascent rates and repayment examples please visit: AscentFunding.com/Rates. 1% Cash Back Graduation Reward subject to terms and conditions. Cosigned Credit-Based Loan student must meet certain minimum credit criteria. The minimum score required is subject to change and may depend on the credit score of your cosigner. Lowest rates require full
principal and interest payments, the shortest loan term, a cosigner, and are only available for our most creditworthy applicants and cosigners with the highest average credit scores. Actual APR offered may be higher or lower than the repayment examples above, based on the amount of time you spend in school and any grace period you have before repayment begins.
LendKey
1 – Terms and Conditions Apply
Loan products, terms, and benefits may be modified or discontinued by participating lenders at any time without notice. Rates displayed are reserved for the most creditworthy consumers who enroll to make automatic monthly payments. Your initial rate will be determined after a review of your application and credit profile. Variable rates may increase after consummation. You must be either a U.S. citizen or Permanent Resident in an eligible state and from an eligible school, and meet the lender’s credit and income requirements to qualify for a loan. Certain membership requirements (including the opening of a share account, a minimum share account deposit, and the payment of any applicable association fees in connection with membership) may apply in the event that an applicant wishes to apply with, and accept a loan offered from, a credit union lender. If you are not a member of the credit union lender, you may apply and become a member during the loan application process if you meet the lender’s eligibility criteria. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate. Loans for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not available via LendKey.com.
2 – Cosigner Release
Some lenders participating on LendKey.com may offer the benefit of cosigner release. Cosigner release is subject to lender approval. In order to qualify, the borrower, alone, must meet the following requirements: (1) Make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower’s credit agreement during the repayment period (excluding interest-only payments) immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults.
3 – Autopay Rate Reduction
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.
4 – AutoPay Discount & Lowest Interest Rate
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised APR is only available for loan terms of 10 years and is reserved for the highest qualified applicants, taking into consideration the applicant’s credit and other factors.
1 – Terms and Conditions Apply
Loan products, terms, and benefits may be modified or discontinued by participating lenders at any time without notice. Rates displayed are reserved for the most creditworthy consumers who enroll to make automatic monthly payments. Your initial rate will be determined after a review of your application and credit profile. Variable rates may increase after consummation. You must be either a U.S. citizen or Permanent Resident in an eligible state and from an eligible school, and meet the lender’s credit and income requirements to qualify for a loan. Certain membership requirements (including the opening of a share account, a minimum share account deposit, and the payment of any applicable association fees in connection with membership) may apply in the event that an applicant wishes to apply with, and accept a loan offered from, a credit union lender. If you are not a member of the credit union lender, you may apply and become a member during the loan application process if you meet the lender’s eligibility criteria. Applying with a creditworthy cosigner may result in a better chance of loan approval and/or lower interest rate. Loans for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not available via LendKey.com.
2 – Cosigner Release
Some lenders participating on LendKey.com may offer the benefit of cosigner release. Cosigner release is subject to lender approval. In order to qualify, the borrower, alone, must meet the following requirements: (1) Make the required number of consecutive, on-time full principal and interest payments as indicated in the borrower’s credit agreement during the repayment period (excluding interest-only payments) immediately prior to the request. Any period of forbearance will reset the repayment clock; (2) The account cannot be in delinquent status; (3) The borrower must provide proof of income indicating that he/she meets the income requirements and pass a credit review demonstrating that he/she has a satisfactory credit history and the ability to assume full responsibility of loan repayment; (4) No bankruptcies or foreclosures in the last sixty months; and (5) No loan defaults.
3 – Autopay Rate Reduction
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments.
4 – AutoPay Discount & Lowest Interest Rate
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised APR is only available for loan terms of 10 years and is reserved for the highest qualified applicants, taking into consideration the applicant’s credit and other factors.
Earnest
Student Loan Origination (Private Student Loan) Interest Rate Disclosure:
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.72% APR to 16.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 17.10% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan origination loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.
Earnest Private Student Loans are made by One American Bank, Member FDIC, or FinWise Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Finwise Bank, 756 East Winchester, Suite 100, Murray, UT 84107.
Earnest loans are serviced by Earnest Operations LLC, 300 Frank H. Ogawa Plaza, Suite 340, Oakland 94612. NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770) One American Bank, FinWise Bank, and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.
© 2025 Earnest LLC. All rights reserved.
Student Loan Origination (Private Student Loan) Interest Rate Disclosure:
Actual rate and available repayment terms will vary based on your income. Fixed rates range from 3.72% APR to 16.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 5.24% APR to 17.10% APR (excludes 0.25% Auto Pay discount). Earnest variable interest rate student loan origination loans are based on a publicly available index, the 30-day Average Secured Overnight Financing Rate (SOFR) published by the Federal Reserve Bank of New York. The variable rate is based on the rate published on the 25th day, or the next business day, of the preceding calendar month, rounded to the nearest hundredth of a percent. The rate will not increase more than once per month. Although the rate will vary after you are approved, it will never exceed 36% (the maximum allowable for this loan). Please note, Earnest Private Student Loans are not available in Nevada. Our lowest rates are only available for our most credit qualified borrowers and contain our .25% auto pay discount from a checking or savings account. It is important to note that the 0.25% Auto Pay discount is not available while loan payments are deferred.
Earnest Private Student Loans are made by One American Bank, Member FDIC, or FinWise Bank, Member FDIC. One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Finwise Bank, 756 East Winchester, Suite 100, Murray, UT 84107.
Earnest loans are serviced by Earnest Operations LLC, 300 Frank H. Ogawa Plaza, Suite 340, Oakland 94612. NMLS #1204917, with support from Higher Education Loan Authority of the State of Missouri (MOHELA) (NMLS# 1442770) One American Bank, FinWise Bank, and Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by agencies of the United States of America.
© 2025 Earnest LLC. All rights reserved.
College Ave
College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
(1) All rates include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Variable rates may increase after consummation.
(2) As certified by your school and less any other financial aid you might receive. Minimum $1,000.
(3) This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 03/03/2025. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.
College Ave Student Loans products are made available through Firstrust Bank, member FDIC, First Citizens Community Bank, member FDIC, or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
(1) All rates include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. If a payment is returned, you will lose this benefit. Variable rates may increase after consummation.
(2) As certified by your school and less any other financial aid you might receive. Minimum $1,000.
(3) This informational repayment example uses typical loan terms for a freshman borrower who selects the Flat Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7.78% fixed Annual Percentage Rate (“APR”): 54 monthly payments of $25 while in school, followed by 96 monthly payments of $176.21 while in the repayment period, for a total amount of payments of $18,266.38. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 03/03/2025. Variable interest rates may increase after consummation. Approved interest rate will depend on creditworthiness of the applicant(s), lowest advertised rates only available to the most creditworthy applicants and require selection of the Flat Repayment Option with the shortest available loan term.
Stay Open to the Possibilities
It’s important to keep an open mind throughout the college application process. While attending your top school may be your #1 goal, it may not always be the case that things work out the way you want them to.
Nothing is set in stone — you may be surprised by the offers you receive from other colleges and where you end up.