degreeledgerA clearer way to price your next degree
SCHOOL COST → FUNDING → REPAYMENT

See the gap between
price and funding.

Start with a source-reviewed school budget or a custom pathway. Set your aid and borrowing assumptions to see the potential federal/private split.

01 / 03School cost → Funding gap → Payoff
01 / BUILD YOUR SCENARIO

Your path

School budgets come from published cost-of-attendance pages. Personal inputs stay in this browser.

Choose a source-reviewed program or use editable illustrative amounts below.

Eligible noncitizens may qualify for federal aid. Status alone does not guarantee a loan; check Federal Student Aid.

Before enrollment

SEPARATE CASH COST

Applications, tests, preparation, and interview travel usually occur before school. They are not automatically part of a school's aid budget.

2027 AMCAS: $180 first school + $48 each additional. 2026 MCAT: $355 standard or $145 with approved Fee Assistance. Secondary fees vary by school. AMCAS · MCAT

Annual cost of attendance

USD / YEAR

What you can contribute

ESTIMATES
Rates, inflation & career assumptions ＋
02 / THE NUMBERS

Your financial picture

Updates as you edit
Application & test costs before enrollment—Kept separate from school COA and modeled loans.
Estimated full school cost—Across your years in school, including the annual cost growth assumption.
Covered by grants, income & savings—
Estimated amount to finance—
FModeled federal borrowing—Subject to annual and aggregate limits
PRemaining funding gap—Modeled as private borrowing; approval and rate are not guaranteed
AFTER SCHOOL

What repayment could feel like

Estimated monthly payment—Standard fixed payments over the selected term; federal and private loans modeled separately.
Balance at repayment start—Includes modeled interest accrued during school.
Interest paid through payoff—
03 / REPAYMENT TIMELINE

Beyond graduation

Debt and gross income over 20 years from your first year of school. For side-by-side schools use Compare schools; for training and lifetime outcomes use Career outlook.

Loan balance Gross income
—Taxes, living costs after graduation, forgiveness, and investment returns are not modeled here.
UNDER THE HOOD

Understand the assumptions

This is an exploratory model, not financial, lending, or school-admissions advice. Custom pathway defaults are illustrative. The specific programs in the school picker use linked school-published budgets, not individualized bills or aid offers. Confirm your own program year and award with the school.

For students first borrowing from July 1, 2026, federal graduate and professional annual limits differ, and Grad PLUS is generally unavailable to new graduate/professional borrowers, with a limited exception for some continuing students. Your program's federal classification, remaining aggregate eligibility, interest rate, and aid must be verified with the school and Federal Student Aid. This model does not determine eligibility.

Debt assumes borrowing at mid-year, annual interest accrual while enrolled, then fixed monthly amortization. The prior-debt field reduces modeled aggregate borrowing room but does not add that existing debt to the repayment projection. It does not model the separate lifetime federal cap, origination fees, grace-period rules, deferment, income-driven repayment, PSLF, taxes, scholarships you have not secured, or private-loan underwriting. Private APR is an input, not a lender quote. Check current federal rates for your disbursement date.

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