Last week, I was having lunch with a friend and the subject of college came up. We both have daughters who are high school juniors, so it’s never far from our thoughts. We discussed the intensity of the International Baccalaureate program (our daughters are enrolled but at separate schools) and even planned for an upcoming college tour at the University of Florida (UF). The conversation was going smoothly until I asked how he planned to cover the tuition and other fees at UF. With a completely straight face, he replied that he expected his daughter to get a full-ride scholarship. Why wouldn’t he believe that his child, who has played softball since she could walk and carries an unweighted grade point average (GPA) of 3.5, should be able to win such a coveted award? The media is full of reports about students who are being showered with full-ride scholarship offers, so it’s only natural that he would expect it to be a viable option. Although I hated to be the bearer of bad news, I felt obligated to clue him in on the reality of his financial plan.