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Expected Family Contribution & Debt Projector

Estimate how much your family will be expected to pay for college — and project your student loan balance at graduation based on your school choice.

Your Financial Profile

Based on federal FAFSA methodology (simplified). All figures are approximate estimates.

Family Income
Assets
Household
School & Debt Projection
Total: tuition + room + board + fees
Grants/scholarships you expect to receive

Your Financial Aid Estimate

Estimated EFC (Per Year)
Expected Family Contribution
Financial Need (Per Year)
COA minus EFC
Unmet Need After Grants
Gap you must cover via loans or work
Projected 4-Year Debt
Total federal + private loans estimated
Monthly Payment After Graduation
Est. 10-year standard repayment at 5.5% avg
Debt-to-Income Ratio (Entry Salary: $55K)
Under 1.0x is manageable; over 2.0x is risky

Federal Loan Limits (Annual)

Loan TypeYear 1Year 2Year 3Year 4Total Limit
Subsidized (need-based)$3,500$4,500$5,500$5,500$19,000
Unsubsidized (all students)$2,000$2,000$2,000$2,000$8,000
Federal Total (Dependent)$5,500$6,500$7,500$7,500$27,000
Remaining gap → parent PLUS loans or private loans