White puzzle with missing pieces revealing You Can Do It message on red table

Overcoming Undermatching: Stop Selling Yourself Short When It Comes to College

Undermatching is the phenomenon when qualified students don't apply to (or attend) selective colleges that might fit them. These tips can help you beat it.

Are you selling yourself short when it comes to college? There’s a disheartening reality far too many high school students face in their college search and application journey: undermatching. This is a phenomenon in which academically qualified students (often high-achieving students from low-income and/or minority families) fail to apply to and/or choose to attend selective colleges or universities, despite having the credentials to succeed there.

Undermatching is like the flu: Once you catch it, it permeates every aspect of your college experience. For example, if you undermatch, you might also convince yourself you aren’t good enough for college in the first place, that you won’t fit in, and so many other maladaptive thoughts that are neither true nor helpful. So how can you avoid catching this insidious flu? How can you avoid undermatching?

Why do students undermatch?

Students undermatch for many different reasons, including a lack of financial stability at home or aid to fund the college experience, a general unease of being able to handle collegiate academics, and more. (Compounding this misfortune is the fact that many—if not most—of the elite schools these students could be attending generally provide the most financial aid, making students’ fears of affordability unfounded. More details below.) Many of these students are also the first in their families to attend college, which only adds to the stress of succeeding not only as an individual but on behalf of their family as well. To alleviate this intersectional pressure, many students end up attending less selective schools, with many choosing not to apply to their reach colleges in the first place. In doing so, they lose out on the opportunity to fulfill their dreams and potential.

Undermatching is a serious problem. Not only does it predicate economic inequality and social immobility, but it also continues a destructive cycle of insecurity in the student. This results in a systematic decline in the self-actualization of low-income and/or minority students. It’s fundamentally stunting, as students will never know the opportunity and fulfillment they would have attending the school of their dreams. All the while, undermatching disadvantages the universities and colleges themselves because they miss out on those diverse voices, perspectives, and—most importantly—the students themselves. According to Slate, only 8% of students in the lowest income bracket apply to selective schools, and “many of these smart, poor kids apply only to a single unselective school.” This is not to say that undermatching students necessarily have a “bad” experience at the institutions they choose; it might be the perfect college for them. And you certainly don’t need to attend an elite institution to be successful in life. But if you feel as though you might undermatch yourself when it comes to choosing a college or university, try to keep the following points in mind.

You can afford college

A major factor in why students decide to undermatch is the (perceived) financial burden. Sometimes, the school at the top of your list might also topple your college budget as well. Although deciding which college is affordable is a highly personal decision you make with your family, it’s important to remember that there are ways to pay that gargantuan sticker price—even though it may seem a bit out of reach when you first see the financial package the school offers.

First, keep in mind that many of the most selective schools also offer the most generous financial aid packages, with many meeting 100% of your demonstrated need. It may seem inconceivable, but if you're accepted into a school like Harvard, Vanderbilt, Yale, or Duke, you can almost certainly afford to go! Granted, in some cases, even meeting 100% of a student’s stated financial need still isn’t quite enough. (Pro tip: These colleges don’t include loans for low-income students in their financial aid packages.) But there are solutions to these issues as well, starting with talking to the college’s financial aid office to explain your situation and perhaps even appeal your financial aid package.

Next, applying to a litany of scholarships through local organizations (where the competition isn’t usually as steep) and online increases your odds of alleviating the financial burden of college. Moreover, deciding to commute to a college if it is close enough rather than becoming a residential student helps cut major corners when it comes to cost. Taking up a summer job and/or part-time work during the semester could also help lower your college costs.

Then there are those widely feared facets of the financial package: student loans. But don’t be disillusioned by the negative rap loans get! They can be critical assets in attending the school of your dreams—if used correctly. For example, choosing a federal subsidized loan (one that does not accrue interest while you are in school) helps build credit and gives you the leniency to begin paying the debt after the six-month post-graduation grace period. Although deciding to take out a loan is another serious financial decision you should make with your family, it's an option that can help you overcome undermatching due to finances.

Related: The Worst Myth: College Is for Rich Kids

You are not alone

The college experience is a lot to take in. Not only do you have to restart your life in a new place, but this new place might be far from home, or it might be the kind of community you aren’t accustomed to. These daunting factors may also lead a student to attend an undermatching college—as they choose a “safer” school that’s closer to home, where all their friends are going, etc. Although the more comfortable college choice may seem quite tempting, clinging to the familiar is not a good a reason to let go of your dream school. The entirety of college will be an unfamiliar experience—and this is the beauty of the next four years. You'll encounter people from a wide array of backgrounds, perspectives, and beliefs who are all facing the same fears.

Having the courage to step out of your comfort zone and field this unmarked territory only builds character. Markers of familiarity such as cultural groups, first-generation student programs, and friends from similar socioeconomic backgrounds can also make the college transition a bit more manageable. It's better to welcome this change rather than undermatching to shy away from it.

You are enough

I saved the best and most important advice for last. You might undermatch yourself to a college that wasn’t at the top of your list because of an overwhelming fear of not doing well once enrolled. You might psych yourself out, convincing yourself that you would be/are the “admission fluke,” an imposter who somehow got accepted yet doesn’t belong. This can be a huge hurdle between being accepted to your top college and actually attending it. The key thing to remember is that once you receive that acceptance letter, your dream college is no longer a dream; you have been accepted and declared a necessary part of the incoming class.

Admission officers pore over student applications with meticulous care and sincerity to determine which students are, in fact, a good fit for the institution—and vice versa. Therefore, if you were admitted, you have already shown that you are good enough for the school and its academics, community, etc. Choosing to undermatch out of fear that this isn’t true undermines all the hard work you’ve done to get to this point. You’ve been accepted to your dream school—now make this dream a reality!

Related: Increasing College Access for Underserved Students

Whether you’re on the fence about applying to a reach school or questioning whether you should attend the dream school that accepted you, don’t let undermatching hold you back. Try. Just try. You have nothing to lose—and everything to gain.

If you have any questions about undermatching, feel free to reach out to us on social media. And if you’re still looking for colleges and universities that fit you, you can find them using our College Search tool!

Like what you’re reading?

Join the CollegeXpress community! Create a free account and we’ll notify you about new articles, scholarship deadlines, and more.

Join Now


About Jessenia Class

Jessenia is a first-year student at Harvard University pursuing a concentration in Psychology: Cognitive Neuroscience. If you're looking for her, she's in a coffee shop writing articles for The Harvard Crimson or doing problem sets.


Join our community of
over 5 million students!

CollegeXpress has everything you need to simplify your college search, get connected to schools, and find your perfect fit.

Join CollegeXpress
Keaun Brown

Keaun Brown

$2,000 Community Service Scholarship Winner, 2020

As I transition to furthering my education, I can say with certainty that it simply wouldn’t be possible without the help of generous organizations such as CollegeXpress. Those who initially founded CX had no idea their platform would give a plethora of information to a first-generation homeless kid native to the ghettos of over half a dozen states. Everyone at CX and Carnegie Dartlet gave me a chance at a future when the statistics said I had none. And for that, I thank them.



High School Class of 2019

My college search began at CollegeXpress. Due to this helpful tool, I was able to gather a lot of information to guide my college planning decisions. Through CollegeXpress, I was also able to apply to several scholarships to help pay for my tuition. I would definitely recommend this website to anyone who wants to explore colleges and get more information from admission experts, counselors, and real students.

Fernando Ponce

Fernando Ponce

High School Junior

College is a way of life that helps us find out who we are as a person, and CollegeXpress is a great way to stay connected with our future, even for students with little time on their hands due to the challenges of high school we face.

Laura Wallace

Laura Wallace

High School Class of 2019

My favorite part of CollegeXpress is that it features student writers so I get an inside perspective from students slightly older and farther along than me. I realize that other college websites also utilize student writers; however, I relate the most to the college writers that I read articles from on CollegeXpress.

Sierra Carranza

Sierra Carranza

High School Class of 2022

I had absolutely no idea where I wanted to go to school; I was considering colleges in almost every state. CollegeXpress was an amazing resource and helped me compare all of my top schools. Without the help of CollegeXpress, I probably wouldn't have made such an informed and confident decision.

College Matches

Colleges You May Be Interested In

University of Idaho

Moscow, ID

Ohio University

Athens, OH

Moody Bible Institute

Chicago, IL