Higher Ed Insider - Edition 20, 8/14/2026


Higher Ed Insider — Edition 2026-20
HIGHER ED INSIDER EDITION 2026-20
NH
HIGHER ED INSIDER
Intelligence for College-Bound Families
 
Edition 2026-20  |  August 1–14, 2026 © 2026 Hurwitz Consulting
hurwitzadmissions.com  •  nathan@hurwitzadmissions.com  •  (203) 613-9262
By The Numbers
Aug. 1
COMMON APP
2026-27 OPENS
Oct. 1
2027-28 FAFSA
TARGET LAUNCH
10%
RISE IN AVG.
COLLEGE COSTS
32
COLLEGES NAMED
IN ED ANTITRUST SUIT
8 of 8
IVIES REQUIRING
TEST SCORES
$20K
NEW ANNUAL
PARENT PLUS CAP
Editor's Note

Dear Parents and Guidance Counselors,

The 2026-27 admissions cycle is officially underway. The Common App reopened on August 1 with its seven essay prompts unchanged, and the Department of Education began beta-testing the 2027-28 FAFSA on August 5, with a public launch targeted for October 1. If you have a rising senior, the next sixty days will do more to shape their application timeline than any other stretch of the year.

This edition also covers two developments worth your full attention regardless of where your student is applying: a federal judge's ruling that the antitrust case against 32 early-decision colleges can proceed, and the continued swing back toward standardized testing among elite schools. Both carry real strategic implications, which we unpack below.

— Dr. Nathan Hurwitz
College Admissions Consultant · Hurwitz Consulting · (203) 613-9262

A Note For This Edition — Time-Sensitive

Now is the time to get the Common App and FAFSA prepared.

Both engines of the admissions process opened this month. The Common App is live now. The FAFSA is in beta and opens fully on October 1. Families who use August and September to get organized — rather than scrambling in October and November — consistently end up with stronger applications and larger aid packages. This is genuinely one of the highest-leverage windows of the entire process.

If you or your family could use support with any part of this — the Common App and FAFSA, building or narrowing a college list, scheduling and preparing for college visits, running a scholarship or financial aid search, building pros-and-cons comparisons across schools, or working through a final acceptance decision — I'm available to meet for as many sessions as it takes to get you where you need to be. There's no fixed package requirement. Just reach out and we'll figure out what makes sense for your family.

This Week's Coverage
01   The Common App 2026-27 Cycle Is Open — What Changed
02   The 2027-28 FAFSA: Beta Testing Begins, October 1 Launch Targeted
03   College Costs Jump 10% — What the New Numbers Mean for You
04   Elite Colleges Return to the SAT/ACT — Will Everyone Follow?
05   Early Decision Antitrust Suit Can Proceed — What It Means For Applicants
TOPIC 01  |  ADMISSIONS PROCESS
The Common App 2026-27 Cycle Is Open — What Changed
Essay prompts stayed the same. The Activities section didn't — and neither did the calendar you should be working against.

The Common Application for the 2026-27 admissions cycle opened on August 1, following the standard reset that closes the first-year application each July 28 and reopens it days later. For families who've been through this before, the headline is reassuring: the seven personal statement prompts are unchanged, and the 250–650 word range remains the same. Anything drafted over the summer transfers directly into the live platform with no risk of the prompts shifting underneath it.

The most consequential update this cycle is a rename: the "Activities" section is now "Activities and Experiences." It's more than cosmetic. The change reflects an intentional broadening of what counts as meaningful — family caregiving responsibilities, informal work, and hobbies can now be entered more naturally, and the leadership/title field is optional rather than required. Common App also continued expanding Direct Admissions, its program allowing eligible students to receive non-binding offers from participating colleges before they've even submitted a formal application.

Other changes are smaller but worth knowing: clearer visibility into which colleges accept fee waivers before a student applies, fewer required questions for independent applicants regarding parents and siblings, and minor clarity improvements to the citizenship and standardized testing questions. None of it should change a family's strategy — but all of it rewards students who log in early rather than waiting until the fall crunch.

DR. HURWITZ'S TAKE

I tell every rising senior the same thing every August: the essay you draft in a quiet week in August is almost always better than the one you rush in October between homework and college visits. The prompts haven't changed, so there's no excuse to wait. Use the "Activities and Experiences" rename as a prompt to reconsider what you've been leaving off — a part-time job, caregiving for a younger sibling, or a long-running hobby may carry more weight in an admissions reader's eyes than you'd expect. Get the account set up and the first draft down this month.

✓ WHAT WORKS

Drafting the personal statement in August, before supplemental essays and fall testing compete for time. Logging in early to explore the fuller "Activities and Experiences" categories.

 
✗ WHAT DOESN'T

Waiting until September or October to start the personal statement. Treating the activities list as an afterthought instead of a second chance to tell your story.

✓ ACTION CHECKLIST

☐ Create or confirm your Common App account and verify prior-year data rolled over correctly

☐ Draft a full personal statement this month, even in rough form

☐ Build or refine your initial college list before supplemental essays are assigned

☐ Review the new Activities and Experiences section for entries you may have skipped before

☐ Check whether any target schools participate in Direct Admissions

KEY SOURCES

Common App Official Blog: "Announcing the 2026–2027 Common App Essay Prompts"
Maia Education: "Common App 2026–2027: What's New (and What's Not)"
Essay Coach: "Common App 2026-2027: What You Should Know About This Year's Changes"

✦ ✦ ✦
TOPIC 02  |  FINANCIAL AID
The 2027-28 FAFSA: Beta Testing Begins, October 1 Launch Targeted
The form your rising senior needs for freshman-year aid is already being built. Here's what to do before it exists.

The Department of Education began beta testing the 2027-28 FAFSA on August 5, with a second beta wave expected in late August or early September and a public launch targeted for October 1 — the standard opening date the form has been chasing since the disastrous 2024-25 rollout. Last cycle's form, the 2026-27 FAFSA, actually launched a week early on September 24, 2025, which the Department is treating as its new benchmark for reliability.

This year's form uses your family's 2025 tax return and brings three meaningful upgrades: pre-populated data for returning filers so renewals take minutes rather than a full restart, plainer language throughout, and — for the first time — the ability for parents with multiple children to reuse their information across every child's form instead of retyping it each time.

None of that changes the single most important piece of advice for families: October 1 is a target, not a guarantee, and the step that derails families most often — sorting out who counts as a "contributor" on the form — has nothing to do with the launch date at all. For separated, divorced, or remarried parents, working out who needs to create a StudentAid.gov account and confirm their identity is often the most confusing part of the entire process, and it's something families can and should resolve well before October.

DR. HURWITZ'S TAKE

Families treat the FAFSA open date like a starting gun, but the real work happens before it fires. Get every contributor's FSA ID created this month — student and both parents if applicable — and confirm each account shows as "matched" on StudentAid.gov. That fifteen-minute task, done in August with no deadline pressure, is the single biggest predictor of whether a family files smoothly on day one or is still untangling identity verification issues in November while state aid deadlines quietly close around them.

✓ WHAT WORKS

Creating FSA IDs for every contributor in August. Identifying which parent situation applies to your family before the form goes live.

 
✗ WHAT DOESN'T

Waiting until October to figure out contributor status. Assuming pre-populated data means the form needs no careful review.

✓ ACTION CHECKLIST

☐ Create a StudentAid.gov FSA ID for the student and each contributing parent now

☐ Work out who your "contributors" are, especially for separated or remarried households

☐ Locate your family's 2025 tax return for consent purposes ahead of the IRS data transfer

☐ Confirm which target schools also require the CSS Profile, which has its own timeline

☐ Mark October 1 on the family calendar and plan to file within the first week

KEY SOURCES

U.S. Department of Education, February 2026 announcement on the 2027-28 FAFSA
NASFAA: 2026-27 and 2027-28 FAFSA launch coverage
CollegeHelpGuide: "FAFSA 2027-28: Open Date, Deadlines & What to Do Now" (updated Aug. 7, 2026)

Starting Early? This Is For You.

Between the Common App reopening and the FAFSA beta launching, this is exactly the moment to get organized. My free Parent Starter Kit walks you through the essentials — timelines, checklists, and what to prioritize first.

Get the Parent Starter Kit →
✦ ✦ ✦
TOPIC 03  |  AFFORDABILITY
College Costs Jump 10% — What the New Numbers Mean for You
A new Sallie Mae report shows families are paying more out of pocket, just as federal borrowing limits shrink.

A new "How America Pays for College" report from Sallie Mae and Ipsos puts a hard number on what many families already suspected: average college costs — tuition, fees, housing, and other expenses combined — hit $34,019 in the 2025-26 academic year, a 10% jump from the year before. Families covered 49% of that out of pocket from income and savings, another 27% through scholarships and grants, and 22% through borrowing, with a small remainder from gifts.

The timing matters because the borrowing side of that equation is changing. New federal lending caps took effect in July, limiting Parent PLUS loans to $20,000 per year per student and $65,000 in aggregate — down from the previous structure, which allowed borrowing up to the full cost of attendance. Two-thirds of surveyed families said they actually support the new lending limits, but a majority also said they expect colleges to respond by lowering tuition or increasing aid, which most institutions have limited room to do given thin operating margins nationwide.

Price is doing real work in the decision-making process: 79% of families said they eliminated at least one college at multiple stages specifically because of cost. Yet the same survey found striking optimism about the payoff — 80% of families said they're willing to stretch their resources for a degree, and the overwhelming majority still believe a diploma leads to a stronger income and career outcomes.

DR. HURWITZ'S TAKE

The families who navigate this best don't build their college list around the sticker price — they build it around the net price, which can look dramatically different school to school. With Parent PLUS borrowing now capped well below the full cost of attendance at many private colleges, the gap between what a family can borrow and what a school actually costs is wider than it used to be. Run the net price calculator for every school on your list before you fall in love with any of them, and have the budget conversation with your student early rather than after an acceptance letter arrives.

✓ WHAT WORKS

Running net price calculators before applying. Having an honest family budget conversation before the list is finalized, not after decisions arrive.

 
✗ WHAT DOESN'T

Eliminating or favoring schools by sticker price alone. Assuming Parent PLUS will cover any remaining gap the way it once did.

✓ ACTION CHECKLIST

☐ Run the net price calculator for every school currently on your list

☐ Understand the new $20,000/year, $65,000 aggregate Parent PLUS caps

☐ Compare aid packages side by side once offers arrive, not just the headline cost

☐ Investigate merit aid opportunities at schools below your reach tier

☐ Set a family budget number together before applications go out

KEY SOURCES

Sallie Mae / Ipsos: "How America Pays for College" (2026)
Higher Ed Dive: "College costs for families up 10% from last year, poll finds," Aug. 12, 2026
Center for American Progress: state funding for public higher education analysis

✦ ✦ ✦
TOPIC 04  |  TESTING POLICY
Elite Colleges Return to the SAT/ACT — Will Everyone Follow?
All eight Ivies have now moved away from test-optional. More than 90% of other four-year colleges haven't.

With Columbia's announcement that it will reinstate standardized testing requirements for undergraduates starting in the 2027-28 cycle, all eight Ivy League institutions have now either reinstated the SAT/ACT or committed to doing so, joining MIT, Johns Hopkins, and other highly ranked schools that returned to testing requirements shortly after the pandemic. The Trump administration has taken a firm public stance favoring test requirements, though its higher-ed compact tying federal funding preference to testing mandates has so far been accepted by none of the institutions initially offered it.

The research driving these decisions is genuinely mixed and worth understanding rather than dismissing in either direction. Brown economist John Friedman, who helped lead a major study of test scores at "Ivy-Plus" institutions, found that test scores were substantially more predictive of academic preparation there than high school grades — a conclusion echoed by Dartmouth's own internal research. But researchers at CUNY, studying a large urban public system, found the opposite: high school grades outpredicted test scores for their student population. As Friedman put it, "the answer depends on what one finds when universities go do the work on their data."

Meanwhile, FairTest reports more than 2,000 bachelor's-degree-granting institutions remain test-optional or test-free — over 90% of the sector. The University of Vermont made its test-optional policy permanent last year after finding no meaningful gap in outcomes between students who submitted scores and those who didn't. And in California, more than 2,300 University of California faculty have signed a letter urging the system to reinstate SAT/ACT math requirements for STEM majors, citing widespread underpreparedness — a proposal UC's academic senate is expected to weigh in on by the end of this academic year.

DR. HURWITZ'S TAKE

This is not a national mandate — it's a bifurcation. If any school on your student's list requires testing, that requirement doesn't care what the rest of the list does, so plan to test regardless of your overall strategy. The mistake I see most often is a family assuming "test optional" from last year's research still applies this year; testing policy is changing school by school and cycle by cycle, so verify it directly on each admissions page rather than relying on last year's list. Strong test scores remain a genuine asset almost everywhere they're submitted, even at test-optional schools.

✓ WHAT WORKS

Verifying each target school's current testing policy directly, not from memory. Registering for a fall test date as a hedge, even on a mostly test-optional list.

 
✗ WHAT DOESN'T

Assuming "test optional" is a permanent, sector-wide fact. Skipping test prep because one target school doesn't require scores while others on the list do.

✓ ACTION CHECKLIST

☐ Check each target school's current-cycle testing policy directly on its admissions page

☐ Register for fall SAT/ACT dates now if any school on the list requires scores

☐ Decide on a score-submission strategy for the test-optional schools on the list

☐ Revisit the college list if testing requirements have shifted since it was built

☐ UC-bound STEM applicants: watch for the academic senate's testing recommendation this year

KEY SOURCES

Higher Ed Dive: "Elite colleges are returning to the SAT and ACT. Will others follow?" Aug. 10, 2026
FairTest: Fall 2026 test-optional institution list
Opportunity Insights: Ivy-Plus standardized testing study, May 2025

✦ ✦ ✦
TOPIC 05  |  LEGAL / EARLY DECISION
Early Decision Antitrust Suit Can Proceed — What It Means For Applicants
A federal judge let the case against 32 selective colleges move forward. Here's what it doesn't change — and what it should remind families to check.

U.S. District Judge Angel Kelley ruled on August 7 that an antitrust lawsuit against 32 highly selective colleges — including Cornell, Rice, Dartmouth, Wesleyan, and Washington University in St. Louis — can proceed to the next stage. Current and former students filed the suit in August 2025, alleging the colleges violated the Sherman Act by agreeing not to compete for early decision applicants, a practice they say artificially suppresses financial aid competition and inflates the true cost of attendance. Kelley did dismiss the claims against Common App, Scoir, and the Consortium on Financing Higher Education, finding no evidence those organizations directly facilitated any agreement.

The plaintiffs' central argument isn't that early decision itself is illegal — it's that the colleges allegedly agreed among themselves not to admit a student who had already committed early decision elsewhere, eliminating the competitive pressure that might otherwise push schools to offer better aid to keep a student in play. Attorneys for the colleges countered that early decision is "totally voluntary," that applicants can walk away from the pledge, and that students seeking aid aren't expected to withdraw other applications until an aid offer is actually in hand. The plaintiffs' attorney pushed back that colleges present the ED agreement as something close to a binding contract, which pressures many applicants into accepting the first offer they receive.

The case is far from resolved — the plaintiffs are also seeking class action status for what could be tens of thousands of current and former ED applicants — and it will likely be years before any outcome affects how early decision actually operates. But the underlying tension it highlights is real and immediate: early decision, by design, asks students to commit before they can compare financial aid offers.

DR. HURWITZ'S TAKE

This lawsuit won't change anything about this year's applications, and I'm not telling families to avoid early decision because of it. What it should do is prompt a conversation you should be having anyway: never apply ED to a school your family hasn't already confirmed you can afford at full price, using the net price calculator, not hope. Every ED agreement I've seen includes a release clause for insufficient aid — read it, understand it, and don't let anyone pressure your student into treating "binding" as absolute if the numbers genuinely don't work.

✓ WHAT WORKS

Applying ED only after confirming the family can afford the school at full sticker price. Reading the ED agreement's financial release clause before signing.

 
✗ WHAT DOESN'T

Applying ED purely to "improve the odds" without a clear-eyed budget conversation first. Assuming the ED pledge is legally unbreakable.

✓ ACTION CHECKLIST

☐ Run the net price calculator before committing to any early decision application

☐ Read the school's ED financial release policy in full before signing

☐ Ask the admissions office directly how they handle insufficient aid for ED admits

☐ Keep a strong EA or RD backup plan in place regardless of ED confidence

☐ Discuss the binding nature of ED as a family before submitting the application

KEY SOURCES

Higher Ed Dive: "Antitrust lawsuit against 32 colleges with early decision can proceed, judge rules," Aug. 11, 2026
U.S. District Court, District of Massachusetts, case filing and ruling
Higher Ed Dive: "32 colleges accused of using early decision to drive up costs," Aug. 11, 2025

Guidance Counselor Corner

On the Common App and FAFSA calendar: This is the window to get seniors moving before school-year momentum takes over your schedule. A short August check-in — confirming account rollover, essay drafting status, and FSA ID creation for each student's family — pays off enormously in October and November, when your caseload triples.

On testing policy: Encourage students not to assume their target list's testing requirements from last year still hold. With policy shifting school by school, a quick verification pass across each student's list — ideally before fall registration deadlines for the SAT/ACT — can prevent a scramble in late fall.

On early decision: The antitrust ruling is a useful hook for a broader conversation with families about ED's financial realities. Frame it around net price, not headlines — students should understand exactly what an ED release clause covers before they sign.

Forward freely with attribution — counselors are welcome to share this newsletter with families on their caseload.

Your Action Guide — Edition 2026-20
Dr. Hurwitz's Analysis · August 1–14, 2026

1. Get the Common App account set up and draft the personal statement now.
The prompts are locked in for this cycle — there's no reason to wait for fall pressure to build.

2. Create FSA IDs for every household contributor before October 1.
This fifteen-minute task in August prevents the most common FAFSA delay in the fall.

3. Run net price calculators for every school on the current list.
With average costs up 10% and Parent PLUS borrowing now capped, sticker price tells you almost nothing useful.

4. Verify testing requirements school by school, not from memory.
Policy is shifting fast — confirm each target school's current-cycle stance before registering for fall test dates.

5. Read the fine print before signing any early decision agreement.
Understand the financial release clause fully — don't rely on assumptions about what "binding" means.

6. Set a family budget conversation on the calendar this month.
Do it before the list is finalized, not after acceptance letters create emotional pressure around the numbers.

DR. HURWITZ'S BOTTOM LINE

Every family I work with who starts in August rather than November tells me the same thing by spring: the process felt manageable instead of frantic. The Common App and FAFSA are both live or nearly live right now. Use this window.

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Dr. Nathan Hurwitz
College Admissions Consultant · Hurwitz Consulting
hurwitzadmissions.com  •  nathan@hurwitzadmissions.com  •  (203) 613-9262
© 2026 Hurwitz Consulting. All rights reserved.
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Tenured professor, college admissions consultant, and editor of "Higher Ed Insider," helping families navigate elite college admissions with clarity, strategy, and calm. For students applying to Top 100, Ivy-adjacent, honors, STEM, business, and performing arts programs.

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