When you’re the parent of a middle school student, college may feel years away, but high school and the cost of higher education may arrive sooner than you think. As your child begins exploring interests and future goals, starting early can make a meaningful difference. The sooner you begin, the more time your savings have to grow—time is your greatest superpower when saving for your child’s education.
Know the Numbers
While college truly can be expensive, there are a variety of factors that contribute to the final price tag. College costs vary widely, which is why it’s important to know the numbers early on.
For the 2025-26 academic year, the national average cost of tuition and fees at a ranked public college for in-state students was $11,371, compared to $25,415 for out-of-state students, while private colleges averaged $44,961.
The good news is that Florida families have an advantage. The average in-state tuition and fees at Florida’s public universities for 2025–26 was $6,093—46% lower than the national average. Combined with tuition rates that have remained largely stable for more than a decade, Florida’s affordability can help families plan and save with greater confidence.
But tuition is only part of the equation. In Florida, a student might pay about $6,000 per year in tuition and fees at a public university, yet housing, meals, books, transportation and other expenses can push the total annual cost to more than $20,000.
Tuition is Not the Only Cost
As you plan, remember that tuition is not the only expense when it comes to covering the cost of higher education. Families also have to budget for these five areas:
- Living Expenses. Whether an on-campus residence hall or an off-campus house or apartment, housing is easily one of the largest college expenses.
- Food. Your student will need to eat, and meal plans, groceries and occasional restaurant meals will add up throughout the year.
- Transportation. This category includes everything from gasoline and vehicle maintenance to parking permits and public transportation, including travel home on school breaks.
- Technology and Supplies. In addition to textbooks and other course materials, your student will need a reliable laptop or tablet and internet service. They might also need to pay lab fees or purchase specialized software.
- Personal Expenses. When calculating these costs, factor in laundry, clothing, toiletries, cell phone bills, and even club dues and recreation fees.
Why Starting Now Matters
Parents of middle schoolers are in a unique position. Your child is old enough that college no longer feels like a distant concept, but young enough that you still have valuable years to prepare.
While scholarships, grants and financial aid can help offset college expenses, the amount available varies widely from student to student. Building your own college savings plan can provide flexibility, confidence and peace of mind when it’s time to make important decisions about your child’s future.
Save Today and Borrow Less Tomorrow
Even though Florida has enjoyed tuition stability, other essential expenses continue to rise. That means creating a savings plan as early as possible and contributing to it consistently are key to long-term success.
With Florida Prepaid, families can choose the college savings option that best fits their goals and budget. For as little as $29 a month, a Florida Prepaid 529 Plan lets families lock in future tuition or dormitory costs at today’s prices, with a value that can be used nationwide at public, private, trade and technical schools.
For families seeking more flexibility, the Florida Investment 529 Plan allows parents to decide how much to save and how to invest. Funds can be used for a wide range of higher education expenses, including tuition and fees, room and board, books, supplies and computers.
The bottom line? Start saving early, make it a habit, and remember that any amount can make a real difference when it’s time for your student to select a school.
Since 1988, Florida Prepaid’s goal has been to help make saving for college affordable and attainable for all Florida families. Build your perfect college savings strategy in minutes!
