One of the biggest surprises for parents is that when your child turns 18, you no longer automatically have access to their educational or medical information—even if they’re still on your insurance and you’re paying for college. These three simple documents can make a huge difference if an emergency ever happens: ✅ FERPA Waiver ✅ Healthcare Power of Attorney ✅ Financial Power of Attorney Hopefully you’ll never need them—but if you do, you’ll be glad you planned ahead. Do you already have these in place for your college-aged child, or was this new information to you? Let me know in the comments.