In episode 56 of the "Don't Chuck It Up" podcast, host Chuck and guest Margaret Rothe, co-founder of CounselMore, discuss the significant changes and responsibilities that come when a student turns 18, particularly regarding the college application process. They cover key topics such as Selective Service registration for male students between 18 and 25, the importance of registering to vote, and the ability to sign contracts. The episode also delves into financial topics like signing up for student loans, including the Stafford Loan program, and the risks of signing contracts for credit cards or vocational programs without fully understanding the terms. A major focus is on privacy and the Family Educational Rights and Privacy Act (FERPA), with a detailed discussion on how students' educational records are handled during the application process and once they enroll in college. The hosts emphasize the importance of open communication between students and parents about these new adult responsibilities to help navigate the transition from dependence to independence.