Most high schools have students taking what classes are required for college admission. However, you really DON’T know what it is going to cost, even based on published tuition costs, because of scholarships, grants, and financial aid packages, many of which are not announced until spring. The financial side of things is often not finalized until SPRING of senior year of high school. That is because the FAFSA must be filled out, and the FAFSA needs current year tax info. Tax day is April 15, and unless you have a very simplified tax return, most people cannot get their taxes completed in January, or even early February.
One of my sons did not receive a scholarship until April of his senior year. Another received a scholarship to one college in October of his senior year, but did not receive one to another college (his first choice) until April!!
So to think she knows in her junior year of high school is very premature.