College Cost and Loan Calculators

Data: U.S. Dept. of Education, IPEDS Updated August 15, 2026 Methodology

These calculators run entirely in your browser on numbers you type in. Nothing is stored, nothing is transmitted, and no result is an offer or a quote. They exist because the two arithmetic questions behind most college borrowing decisions, what a loan really costs and how big the gap really is, are exactly the questions people skip.

The student loan payment calculator turns a balance, rate, and term into a monthly payment, a total repaid, and the interest between them.
The college funding gap calculator subtracts your actual aid and resources from the bill, which is the number to solve for before considering any loan.
The legacy borrower checker answers, in three questions, whether the pre-2026 federal loan limits and Grad PLUS still apply to you under the interim exception.

Both pair with the written guides in paying for college, and the data behind every cost figure on this site is documented on the methodology page.