Education & student-loan tools
Free calculators for the cost of learning — degree and certification ROI, student-loan payoff and refinance, and 529 college savings. Every tool shows real numbers.
23 resources
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4-Year College vs Trade School Calculator
Compare the cost of a four-year degree against a trade school, including the head start of earning while others study.
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529 College Savings Goal Calculator
Calculate the monthly contribution to a 529 plan needed to reach your college savings goal by the time school starts.
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Coding Bootcamp ROI Calculator
Find out how quickly a coding bootcamp pays for itself and its five-year net value based on the salary bump it delivers.
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College Cost Projection Calculator
Project the future cost of college with tuition inflation and see the total price of a multi-year degree.
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College Degree ROI Calculator
See whether a degree pays off: compare its all-in cost and forgone income against the lifetime salary lift it buys.
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College GPA Calculator
Calculate your weighted grade point average from up to five courses, using each course credits and grade points.
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Community College Transfer Savings Calculator
See how much a 2+2 path — community college then transfer to a university — saves versus four years at the university.
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Cost of a Gap Year Calculator
Estimate the true financial cost of delaying college by a year, netting earnings against extra tuition and lost growth.
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Grad School ROI Calculator
Weigh the tuition and forgone salary of a graduate degree against the lifetime pay bump to see if it pays off.
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In-State vs Out-of-State Tuition Calculator
Compare the total four-year cost of an in-state public school against an out-of-state one and see the premium.
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Income-Driven Repayment Estimator
Estimate your monthly federal student loan payment under an income-driven plan based on income and family size.
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PSLF Forgiveness Estimator
Estimate how much of your federal student loan balance could be forgiven after 120 qualifying PSLF payments.
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Scholarship Net Cost Calculator
See how much a scholarship lowers your real net college cost per year and over the full degree.
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Student Loan Avalanche Calculator
See how targeting your highest-rate loan first with extra payments clears three loans faster and cuts total interest.
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Student Loan Interest Capitalization Calculator
See how much extra a student loan costs when unpaid interest is capitalized onto your principal after deferment.
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Student Loan Monthly Payment Calculator
Calculate the fixed monthly payment, total interest, and total cost of a student loan from its balance, APR, and term.
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Student Loan Payoff Calculator
Find out how many months it takes to clear a student loan and how much interest you pay at a given monthly payment.
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Student Loan Refinance Savings Calculator
Compare your current student loan to a refinanced one and see the monthly and lifetime interest you would save.
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Tuition Payment Plan vs Loan Calculator
Compare a fee-based tuition installment plan against borrowing the same amount to see which costs less.
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Work-Study Debt Offset Calculator
See how much a work-study job earns over your degree and how much student loan debt and interest it lets you avoid.
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Guide
529 Plans: How Much to Save for College (Without Overdoing It)
How much to save in a 529 plan for college: a numbers-first guide to setting a realistic target, monthly contributions, tax benefits, and avoiding over-saving.
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Guide
How to Pay Off Student Loans Faster (Avalanche vs Extra Payments)
A numbers-first guide to paying off student loans faster: how the debt avalanche, extra principal payments, and refinancing each shorten your payoff and cut interest.
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Guide
Is a Coding Bootcamp Worth It? How to Run the ROI
A numbers-first guide to coding bootcamp ROI: how to compare tuition, lost wages, and expected salary bump, and when a bootcamp beats a degree or self-teaching.
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