As you begin your journey toward your next phase of adulthood, choosing each step along the way is exciting — and there are plenty of heart-pounding risks you must take along the way in the name of self-discovery. No, we’re not talking about your prom date or sartorial choices, however questionable those may be… we’re talking about higher education! After all, your college list is not just another list; it’s a map to your immediate future, where every school represents a potential path. In other words, the college list is where your next chapter starts.
The problem? Many students and families make avoidable mistakes while building their list, which can derail their chances of finding the best options — and even negatively affect their success in the application process. Thankfully, that doesn’t have to be you! In this article, we’ll walk you through three critical mistakes to avoid when creating your college list, ensuring that your future is built on solid, thoughtful choices you love.
What are we dealing with here? You’ve seen university logos before, either glancing around the guidance counselor’s office or hanging in the hallway on sports team flags. But what differences do they really symbolize, and how are you supposed to choose between them?
First things first: what you need to know about college lists
If you’re starting on page one, here are some definitions you’ll need to make sense of the rest of our discussion to follow.
College list:
Your college list is the collection of universities and colleges you’re considering applying to. If we’re ambitious, hopefully, an organized collection. The list should reflect a balance of different types of schools that match your academic goals, personal preferences, and financial situation. Keep in mind that it’s a dynamic, evolving list that will probably change before you finalize it.
Best match:
Finding your “best match” colleges means finding the colleges that fit your unique personality and needs as a student. That looks different for everyone. As you figure it out, be sure to take your preferences into account — like location, size, and extracurricular offerings — as well as your academic profile. Most importantly, be honest with yourself about what you want. Don’t just look for a “prestigious” school to impress others; find a place that aligns with your goals and values.

Safety, target, and reach schools:
When building your college list, you want to include a mix of different kinds of institutions. These colleges will fall into three or four main buckets. Let’s break it down!
Safety school
These are colleges where your academic credentials (GPA, test scores) are above average for admitted students, and you have reason to believe you have strong odds of admission.
Target or match school
Target schools are where your academic profile aligns well with the average admitted student, making these schools a strong match.
Reach school
Reach schools are colleges where your academic credentials are slightly below or on par with the average admitted student. These are competitive schools, and while you might have a chance, the odds are lower.
High reach school
These are schools where your academic credentials may be well below the average admitted student, or the school has such a low acceptance rate (<10%) that the odds of acceptance are unpredictable even for perfect students.
Still have questions?
If you’d like a more detailed or comprehensive guide on how to approach this whole college list thing, check out Empowerly’s Guide to Understanding the College List. It’s free and full of helpful tips to make the process smoother.

Top 3 mistakes to avoid when building the college list
Okay, so now we’ve got a grasp on the basics. How can you avoid falling into the same usual traps and mistakes that typically derail others?
Mistake #1: Limiting their search to schools with T200 rankings
One of the most common traps students fall into when building a college list is focusing too much on rankings, especially the top 200 schools. If this is you, you’re not alone; many students like you believe that a college’s ranking determines its worth. However, it’s not the whole story — in fact, far from it. Rankings often fail to capture the unique features that make a school truly the right fit for you. Not to mention, many colleges outside of the top rankings can offer incredible opportunities!
How can you avoid this blind spot? Don’t overlook whether a school feels like a place where they’ll thrive socially and emotionally. From class sizes and support services to cultural diversity and student values, these details matter! Think about what’s truly important to you: Do you want a small liberal arts school where you can interact closely with professors? Or maybe a larger university with robust research opportunities? The top schools in the rankings might not always offer the best academic or cultural fit for your needs. Look beyond the rankings and focus on factors that matter most for your personal growth. There are plenty of hidden gems you may not otherwise know about.
Practical tip:
As you explore schools, ask yourself: “Does this school help me achieve my long-term career goals?” Focus on programs, faculty expertise, and campus culture rather than relying solely on a list created by third-party publications.
Here’s an Empowerly counselor explaining exactly why this process matters so much:
Mistake #2: Underestimating the power of financial aid
When building your college list, it’s crucial to understand how financial aid plays into the equation. Many students mistakenly rule out private schools early in the process, assuming they’re out of reach. The reality is that private schools often offer substantial financial aid packages that can make them as affordable — if not more so — than public institutions. Yes, for real!
Ultimately, it’s important to consider all your options before eliminating schools based on tuition costs alone. Financial aid offers, including scholarships, grants, and work-study opportunities, can significantly reduce the burden of tuition fees. You just never know.
Practical tip:
Try using a college’s net price calculator to estimate your financial aid package. You can get a sense of how much financial assistance you might qualify for before you apply. (And you might qualify for more than you expect!) It’s always worth doing the math to see if a seemingly expensive college can actually fit within your budget.
Mistake #3: Misjudging your likelihood of admission
This one speaks for itself. Building a balanced college list means understanding your admission odds for each school. The last common mistake we’re covering today is either being overly optimistic about getting into a highly selective school or, conversely, underestimating your chances at less competitive schools. This can either lead to a college list that’s either too ambitious or not ambitious enough, both of which can hurt your application success.
Here’s another perspective on why this kind of mistake is so dangerous:
So, how can you steer clear? Understanding your academic profile — GPA, standardized test scores, extracurricular involvement — and how it aligns with the schools on your list is crucial. Don’t just look at average acceptance rates; dig deeper into each school’s requirements and trends. At schools that practice holistic admissions, this includes qualitative factors like essays and letters of recommendation, as well. Some schools may have flexible application criteria, while others might have very specific thresholds.
Practical Tip:
Research the admission statistics for each school on your list, paying close attention to the admission rate for students with your GPA and test scores. Build a list that includes a mix of schools that you’re confident about (safety), schools you’re likely to get into (target), and a few that challenge you (reach).
If you’re unsure, working with a counselor like Empowerly can provide you with an outside perspective and the context you need to calibrate your college list more accurately. For instance, the Empowerly Score® is a new tool that evaluates students on three main areas: academics (your grades, test scores, and the difficulty of the classes); extracurriculars (involvement in activities outside of school, like sports, clubs, or volunteer work); and essays (the quality of personal essays). While it can’t guarantee you’ll get into a particular college, it can help you make smarter decisions about what to focus on for your applications.

Your journey to college success
Building your college list is a strategic and personal process. Not to mention, a really exciting one! By avoiding these three common mistakes, you’ll ensure that your college list reflects your unique goals and aspirations, not just a numbers game.
As you go on your way, remember to take your time to explore your options, weigh the pros and cons, and seek guidance when needed. Ideally, you can start all of this in your junior year so you have time to visit campuses, research different programs, and refine your list before applications open and the clock starts ticking. If you can’t do all that, try virtual tours, student panels, or other online research. With careful planning, you’ll build a list that sets you up for success in the admissions process.
And finally, remember, this is just the first step toward an exciting future. If you need help navigating the college admissions process, Empowerly is here to support you every step of the way. Hopefully, by now, you’re ready to start thinking about the next chapter of your life in a positive and productive way! Book a consultation to get started on your personalized college journey.