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College Cost Calculator

Calculate the true cost of college after financial aid. Compare sticker price vs net price and plan for 4-year costs.

Annual Costs

$
$
$
$

Financial Aid (Annual)

$
$

Understanding College Costs

The sticker price rarely reflects what you'll pay. Focus on net price after grants and scholarships.

Components of College Cost

  • Tuition: The cost of classes
  • Fees: Activity fees, technology fees, etc.
  • Room & Board: Housing and meal plan
  • Books & Supplies: Textbooks, materials
  • Personal: Phone, entertainment, clothing

Types of Financial Aid

  • Grants (free): Pell Grant, state grants, institutional grants
  • Scholarships (free): Merit, athletic, need-based
  • Work-Study: Part-time campus jobs
  • Loans: Federal and private (must repay)

Reducing College Costs

  • Start at community college, transfer to 4-year
  • Apply to schools where you're a strong candidate
  • Negotiate with financial aid office
  • Buy used textbooks or rent

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Frequently Asked Questions

What is net price?

The actual cost after grants and scholarships. It's what you pay out-of-pocket, not the sticker price.

What is included in cost of attendance?

Tuition, fees, room and board, books, supplies, and personal expenses. Transportation may also be included.

What is the difference between grants and loans?

Grants are free money (don't repay). Loans must be repaid with interest. Prioritize grants and scholarships.

Is expensive college worth it?

Consider net price (after aid), graduation rates, career outcomes, and earning potential in your field.