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
📬 Parent / Guardian — Would you like to receive a copy of the plan?
Section 2 — Where Are You in Your Journey? *
📌 This helps us tailor your strategy and timeline
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.
💼 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.
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.
Section 5 — Financial Expectations
📌 We build a plan aligned with your financial comfort — not just what's available
Section 6 — Goals & Priorities
Section 7 — Consent & Next Step
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.
Pell Grant 2026–27: max $7,395 • national avg $5,218 • min $740
Default is the national average ($5,218) for conservative planning. Pell Grants are free money — no repayment required.
Cost of attendance (per year)
Federal student loans — dependent borrowing caps
Subsidized LoanGovernment pays interest while enrolled. Need-based. Rate: ~6.52% (2027–28) • 1.057% origination fee. No credit check.
Unsubsidized LoanAvailable regardless of need. Interest accrues immediately. Rate: ~6.52% (2027–28) • 1.057% origination fee. No credit check.
ⓘ Credit check note: Student loans require no credit check. Parent PLUS requires adverse credit history check on the parent.
Private student loans
Loan 1
From your offer letter.
Other financial aid
Aid from the school directly. Default $0.
National avg if awarded: ~$1,800–$2,500/yr.
UNCF, TMCF, state, private scholarships.
Parent PLUS loan ~9.07% fixed • 4.228% origination fee • $20,000/yr cap (OBBBA)
Default $0. Use the gap resolution panel below.
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: ~9.07% (2027–28). Cannot be transferred to the student.
Affordability Dashboard™ — Your Financial Picture
Total cost / year
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Annual unfunded amount
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4-year unfunded total
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Student debt (4 yrs)
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Parent PLUS (4 yrs)
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Combined household debt
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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
🧑🎓 Federal student loan repayment
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—
👨👩👦 Parent PLUS repayment
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—
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
✓ Side-by-side cost comparison · ✓ Best-fit recommendations
Stripe card payments unlock automatically
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™
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
School 3 — search by name, filter, then select from the dropdown
Aid package (pre-filled from your Dashboard™ — adjust to test scenarios)
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
✓ Major-to-school mismatch alerts · ✓ Parent debt burden analysis
Stripe card payments unlock automatically
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™)
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
D. Parent Burden Analysis
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
👨👩👦 Parent PLUS Loan Panel — Where Families Win or Lose
True Cost of Degree™ — The Number Nobody Shows You
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™
✓ Complete College America™ credit mapping · ✓ Full College Affordability Plan™
Stripe card payments unlock automatically
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
✓ 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
🎓 Graduation timeline
📚 What if the student switches majors?nt switches majors?
🏛️ State Aid — toggle eligibility
🤝 Interstate tuition agreement — model the in-state rate
💼 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.
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.
💡 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.