Step 1 - Calculate Your Annual Cost to Attend
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Enter the annual costs to attend the college of your choice. For multiple fees, use the itemize button to automatically calculate your totals.

Tip

To help you determine the annual cost of attendance, please visit your school's website for details.

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Step 2 - Calculate Your Gift Aid (Scholarships & Grants)
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Enter the total amount of gift aid awarded. For multiple awards, use the itemize button to automatically calculate your totals.

Tip

By taking advantage of scholarships and grants, you reduce the overall cost of attending school.

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Step 3 - Calculate Your Financial Contributions
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Enter the amounts of savings and income you plan to contribute for the school year.

Tip

To help keep borrowing to a minimum, we encourage you to maximize grants and scholarships – money that doesn’t have to be paid back.

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Step 4 - Review Your Student Loan Options
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Always consider federal student loans first if you need to borrow. Federal loans feature fixed interest rates and a variety of repayment options. To assess if you are eligible for federal student loans, see the Award Letter from your school.

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Here is how much you may need to borrow in private loans:

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Apply for a Student Loan >>

Note: This student loan calculator does not use the official formula used by the US Department of Education to calculate your Expected Family Contribution (EFC). As a result, these estimates may differ from the official EFC. We do not guarantee its accuracy or applicability to your circumstance, and we encourage you to consult a qualified professional.