True Cost Calculator
Turn a school's numbers into what it will actually cost you.
How this works
The number that matters when you compare schools is not the sticker price—it is the net price: tuition and living costs minus the grants and scholarships you don’t repay. This tool adds that up over the years you’ll study, subtracts your savings, and shows the gap you’d need to borrow, plus an example monthly payment on that gap.
Everything here is an estimate meant to help you weigh options, not an official aid offer. Loans never shrink the net price—they only pay it—so the goal is to keep the gap, and the borrowing it implies, as small as the plan allows. For the real figures, use each school’s net price calculator and the current federal loan rates on StudentAid.gov.
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