Student Loans & College

College and student loan calculators for U.S. families, from the first offer letter to the last payment. Work out what a college actually costs after grants and scholarships, the aid index the FAFSA produces, the Pell Grant it earns, what a 529 saves against a taxable account, how leftover 529 money reaches a Roth IRA, and what five years of gift exclusions in one year buys. Weigh the path itself: whether a degree's earnings premium pays back its cost, whether graduate school still works now federal borrowing stops at $100,000, a trade school or a bootcamp against a four-year degree, two years at community college first, and a dorm against an apartment. Then the borrowing, under the caps that took effect in July 2026 with Grad PLUS closed: what a student and a parent may borrow, a private loan against federal protections, and what unsubsidized interest adds before the first payment. Repayment is a different country now — the Repayment Assistance Plan with its interest waiver and principal match, RAP against IBR, the new standard plan whose term the balance sets, consolidation, the cost of pausing, getting out of default, and how a mortgage underwriter counts the payment. And because income-driven forgiveness is taxable again from 2026, the tax bomb it leaves, teacher forgiveness, tax-free employer repayments, the interest deduction, the education credits, and the part of a scholarship that becomes income.