Calculate how scholarships, grants, and savings reduce your out-of-pocket college cost. See exactly how much you'll still need in loans and what your monthly payments will look like.
Enter Your Measurements
Results
Estimated Loan Debt
116,000
$
Total 4-Year Cost
168,000
$
Total Aid & Savings
52,000
$
Est. Monthly Loan Payment (10yr, 6.5%)
1,317
$/mo
Formula
How to Use This Calculator
How to Use
- 1
Enter your school's annual tuition and room/board costs.
- 2
Enter total annual scholarships and grants you expect.
- 3
Enter annual family/savings contribution.
- 4
See your total loan debt and monthly payments after graduation.
Frequently Asked Questions
Frequently Asked Questions
How do I find scholarships?
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About This Calculator
This calculator uses the formula: Annual Loan = Total Cost − Scholarships − Savings; Monthly Payment uses standard amortization at 6.5%. All calculations follow industry-standard methods. Results are estimates — always verify with a licensed professional for structural or code-compliant work.
Built and maintained by the CalcSmart team. Last updated March 2026.
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