College Affordability Calculator™

College Affordability Profile™

Every family's path to college is different. This profile helps us personalize your affordability plan — so you can understand costs, reduce risk, and make the best decision for your future.

⏱️ Takes less than 2 minutes · Your information pre-fills your entire plan

Section 1 — Student & Family Information

Student first name *

Student last name *

Parent / guardian name

Email address * 📩 Your plan will be sent here

Mobile number 📱 Scholarship & deadline reminders

Home zip code * 📍 Determines state-based aid

📬 Parent / Guardian — Would you like to receive a copy of the plan?

Parent email optional

Parent mobile optional

Send parent the full plan Send parent scholarship & deadline alerts

Section 2 — Where Are You in Your Journey? *

📌 This helps us tailor your strategy and timeline

Middle School — Planning Early ~6 years to enrollment · maximum savings window High School — Freshman / Sophomore ~3–4 years to enrollment High School — Junior ~2 years to enrollment High School — Senior (Applying Now) ~1 year to enrollment Currently Enrolled in College Focus on completion & debt management

Section 3 — Academic Profile

🏅 Merit scholarship eligibility is tied to your GPA. Many state flagship programs — including HOPE, LIFE, and TN HOPE — require a 3.0 or higher. Your selection below will automatically determine which awards are pre-applied to your plan.

Estimated GPA range 📊 Determines merit scholarship eligibility

💼 Majors are listed highest to lowest earning. Starting salaries are national medians (NACE 2024). Your selection is carried through all modules and red-flagged if not offered at your school.

Intended major / career interest 📌 Carried through all modules · red-flagged if unavailable at your school

Section 4 — School of Interest

📌 Select the school you're considering — your dream school or another strong option. Your selection will carry over to the Affordability Dashboard™ automatically, but can be changed at any time.

Search by school name

Filter by state

Minimum 4-year graduation rate

Select your school of interest

Section 5 — Financial Expectations

Estimated family contribution per year

Comfort level with student / parent loans

📌 We build a plan aligned with your financial comfort — not just what's available

🟢 Low — prefer minimal or no loans 🟡 Moderate — some loans acceptable 🔴 High — willing to borrow if needed

Section 6 — Goals & Priorities

What matters most in your college decision? Select up to 2.

Section 7 — Consent & Next Step

I agree to receive my personalized College Affordability System™ and updates related to college planning, scholarships, and financial strategies.

Your data is used only to build your personalized plan. We do not sell or share your information.

Affordability Dashboard™

Complete the College Profile™ to personalize your dashboard.

School Selection — Pre-populated from your College Profile™

📌 Your school from the College Profile™ is pre-loaded. You may select a different school here — your plan updates instantly.

Search by school name

Filter by state

Minimum 4-yr graduation rate

Select school

Pell Grant 2026–27: max $7,395 • national avg $5,218 • min $740

Pell Grant amount ($)

Default is the national average ($5,218) for conservative planning. Pell Grants are free money — no repayment required.

Cost of attendance (per year)

Tuition & fees ($)

Room & board ($)

Books & supplies ($)

Personal expenses ($)

Transportation ($)

Federal student loans — dependent borrowing caps

Year in school

Subsidized loan ($)

Unsubsidized loan ($)

Subsidized LoanGovernment pays interest while enrolled. Need-based. Rate: 6.39% (2026–27). No credit check.

Unsubsidized LoanAvailable regardless of need. Interest accrues immediately. Rate: 6.39% (2026–27). No credit check.

ⓘ Credit check note: Student loans require no credit check. Parent PLUS requires adverse credit history check on the parent.

Other financial aid

Institutional scholarship ($)

Aid from the school directly. Default $0.

Work-study ($)

National avg if awarded: ~$1,800–$2,500/yr.

Outside scholarships & grants ($)

UNCF, TMCF, state, private scholarships.

Parent PLUS loan 8.94% fixed • 4.228% origination fee • $20,000/yr cap (OBBBA)

Annual Parent PLUS amount ($) Year 1 max: $20,000 · $65,000 lifetime

Default $0. Use the gap resolution panel below.

Repayment term (years)

Standard: 10 yrs. Extend up to 25 yrs to lower monthly payments.

⚠ OBBBA rules (effective July 1, 2026): Parent PLUS is capped at $20,000/yr in Years 1–3 and $5,000 in Year 4 — for a $65,000 lifetime maximum per student. Requires adverse credit check. Rate: 8.94% (2026–27). Cannot be transferred to the student.

Affordability Dashboard™ — Your Financial Picture

Total cost / year

—

Annual unfunded amount

—

4-year unfunded total

—

Student debt (4 yrs)

—

Parent PLUS (4 yrs)

—

Combined household debt

—

Total Cost of Attendance

—

PELL Pell Grant (free money)

—

MERIT Institutional & outside scholarships

—

WORK Work-study & other grants

—

LOANS Federal student loans (borrowed)

—

PLUS Parent PLUS loan (borrowed)

—

Unfunded Amount — must be resolved

—

4-year debt projections & monthly payments

🧑‍🎓 Student loan repayment

—

👨‍👩‍👦 Parent PLUS repayment

—

Unlock Next Module

School Comparison Engine™

Compare up to 3 schools — costs, graduation rates, match scores, and affordability side by side

$97 one-time

✓ School Match Score™ · ✓ Affordability Index Score™
✓ Side-by-side cost comparison · ✓ Best-fit recommendations

— or pay by Zelle / Cash App —

Zelle: adriennelancelucas@gmail.com
Amount: $97 · Note: School Comparison Unlock
Cash App: $adriennelancelucas

After payment, email adriennelancelucas@gmail.com with your name and "School Comparison" — we'll activate your access within 24 hours.

Stripe card payments unlock automatically · Zelle/Cash App access activated within 24 hours

School Comparison Engine™

Compare up to 3 schools side by side. Your selected school from the Affordability Dashboard™ is locked as School 1. Each school receives an Affordability Index Score™ based on your lifestyle preferences and financial profile.

Your lifestyle preferences — used to calculate Affordability Index Score™

Greek life importance

Athletics importance

Homecoming culture

Campus setting

School size

Affordability priority

Schools to compare

School 1 — from your Affordability Dashboard™ locked

Select a school on the Affordability Dashboard™ first

School 2 — search by name, filter, then select from the dropdown

Search by name

Filter by state or type

Minimum 4-year graduation rate

Select from dropdown

School 3 — search by name, filter, then select from the dropdown

Search by name

Filter by state or type

Minimum 4-year graduation rate

Select from dropdown

Aid package (pre-filled from your Dashboard™ — adjust to test scenarios)

Pell Grant ($)

State aid ($)

Institutional & outside aid ($)

Student loans per year ($)

Parent PLUS per year ($)

Unlock Next Module

Career ROI & Earnings Engine™ + Parent Debt & Burden Analysis™

See whether this degree financially works — before you borrow

$197 includes both modules

✓ Minimum Viable Salary™ · ✓ Repayment risk by major
✓ Major-to-school mismatch alerts · ✓ Parent debt burden analysis

— or pay by Zelle / Cash App —

Zelle: adriennelancelucas@gmail.com
Amount: $197 · Note: Career ROI Unlock
Cash App: $adriennelancelucas

After payment, email adriennelancelucas@gmail.com with your name and "Career ROI" — we'll activate your access within 24 hours.

Stripe card payments unlock automatically · Zelle/Cash App access activated within 24 hours

Career ROI & Earnings Engine™

Answer: "Will this degree financially work for this family?" Compare salary potential vs. debt burden across majors and schools.

Student debt inputs (pre-filled from Dashboard™)

Total student debt (4 yrs) ($)

Student loan repayment term (yrs)

Total Parent PLUS debt (4 yrs) ($)

A. Salary vs. Debt Alignment

B. Student Repayment Risk Level — based on student loans only

Risk logic: Debt < 0.6× salary → 🟢 Safe | 0.6–1.0× → 🟡 Manageable | >1.0× → 🔴 High Risk

C. Major Comparison — toggle between your primary and an alternative major

Your selected major

Compare with alternative major

D. Parent Burden Analysis

Parent / household gross income ($)

Parent’s industry / profession

Unlock Full Blueprint

Affordability Strategy Plan™ + What-If Simulator™

Your personalized action plan + every scenario modeled in real time

$297 full system · all remaining modules

✓ Affordability Strategy Plan™ · ✓ What-If Simulator™
✓ Complete College America™ credit mapping · ✓ Full College Affordability Plan™

— or pay by Zelle / Cash App —

Zelle: adriennelancelucas@gmail.com
Amount: $297 · Note: Full Blueprint Unlock
Cash App: $adriennelancelucas

After payment, email adriennelancelucas@gmail.com with your name and "Full Blueprint" — we'll activate your access within 24 hours.

Stripe card payments unlock automatically · Zelle/Cash App access activated within 24 hours

Parent Debt & Burden Analysis™

Answer: "Can our family actually carry this debt?" Analyze the full Parent PLUS burden — monthly payments, income vs. debt threshold, total interest, and the True Cost of Degree™. Student loan repayment is covered in Tab 3.

🧑‍🎓 Student Loan Panel

Total student debt ($)

Interest rate (%)

Repayment term (years)

👨‍👩‍👦 Parent PLUS Loan Panel — Where Families Win or Lose

Total Parent PLUS debt ($)

Interest rate (%)

Repayment term — toggle to see impact

True Cost of Degree™ — The Number Nobody Shows You

Affordability Strategy Plan™

Answer: "What do we DO about this?" This is your personalized action plan — structured as a roadmap, not raw data.

Final Module

What-If Simulator™

Model every scenario — savings, major, co-op income, timeline — and see the full financial impact in real time

Included with Full Blueprint ($297)

✓ Savings impact calculator · ✓ Graduation timeline modeling
✓ Co-op income simulation · ✓ Complete College America™ credit mapping

Included with the Full Blueprint ($297) — card payments unlock automatically

What-If Simulator™

Adjust variables and see how your entire financial picture shifts in real time. Small changes in planning can mean tens of thousands of dollars over 4 years.

Your planning window — based on your grade level from College Profile™

Adjust the variables — your results update instantly

💰 Monthly family savings between now and enrollment

Monthly savings ($)

$0/mo

🎓 Graduation timeline

📚 What if the student switches majors?nt switches majors?

Current major

Switch to major

🏛️ State Aid — toggle eligibility

Include state scholarship (if applicable)

💼 Co-op / internship income during school

Students typically keep 60% of co-op earnings for living expenses. Use the slider below to model what portion goes toward college costs.

Annual co-op earnings ($)

$0/yr

% of co-op earnings applied to school costs

The portion applied reduces borrowing. The rest covers living expenses while working during the school year.

What-If Simulator™ — Updated Picture

🎓 Complete College America™ — Credit Mapping & Completion Planning

Complete College America helps students build structured credit completion pathways — the single strongest predictor of on-time graduation. Students who take 15 credits per semester and follow a structured pathway graduate at significantly higher rates. Use their tools alongside your What-If Simulator™ to see the full picture.

Visit Complete College America → 15 to Finish™ — Credit Planning →

💡 Coming soon: The College Affordability System™ is building a formal partnership with Complete College America to bring credit mapping directly into this platform. Your school and profile will pre-populate automatically.