How These Calculators Work

Methodology: formulas apply standard amortization, compounding/inflation adjustments, and scenario-based ROI arithmetic.

Inputs: tuition, living costs, scholarship amount, loan size/rate/term, and earnings assumptions.

Datasets: tuition bands, student-loan rate sets, and degree category references.

Limitations: aid variability, policy changes, and individual earnings paths can materially change outcomes.

Intended use: educational planning and comparison, not official aid determination.

For background context, see the About page.