Pick a school and a major. See the real loan, the monthly payment under the 2026 federal rules, and where you stand ten years out, before anyone signs on the dotted line.
Run your numbers, freeSticker price predicts almost nothing. These are the ones that decide how the next decade feels.
Median borrowing at your school, or build it from cost, aid and the federal caps. Berkeley's sticker is $45,619/yr; its median borrower leaves with $13,000.
The 2026 RAP income-driven plan against the fixed plans, month by month, including what gets waived and what gets forgiven.
Metro wages and cost of living, not a national average. The same salary is a different life in San Francisco and in Columbus.
UC vs CSU, nursing vs CS, or the same degree with two community-college years first. One page, same math on both sides.
Medicine, dentistry, law, the MBA and five more, priced per school from federal data, residency years modeled.
Every result exports as a PDF report or a shareable image, sourced down to the footnote.
The comparison changes with the life. Each of these is modeled in full, priced from the same federal data as everything else.
487 of the 836 careers here are entered with no degree at all. They are priced as a real option: no tuition, no loan, and none of the years of pay a degree gives up.
Four ways through: two years then transfer, part time while working, an associate's on its own, or a bachelor's awarded by the community college itself.
Master's and doctoral, plus medicine, dentistry, law, the MBA and five more, with the unpaid school years and residency stipends inside the arithmetic.
Going back at 35 or 49 is measured against the salary you already earn, not against a debt-free eighteen-year-old. Every sentence on the page changes with it.
School + major + loan → the 10-year verdict. Open →
Every school teaching your field, cheapest first, priced for your state. Search →
Master's, doctoral, medicine, dentistry, law and the MBA, at each school's published tuition and fees beside what its graduates in that field borrowed. Find →
The 2027-28 federal aid formula, worked line by line, plus which colleges also want the CSS Profile. Estimate →
Compare the 2026 repayment plans on the balance you already owe. Compare →
Still deciding what you want to be? Start with the O*NET Interest Profiler, the federal government's free interest assessment. It tells you which careers fit you. This site tells you what each one costs to reach, and when it pays off.
One picture, one finding, sourced. 20 of them, free to share.
The degree sets the debt, the specialty sets the payThirty-one careers, eight debt figures. What you borrow varies about twice over. What it earns you varies more than six times.
A degree is not worth one numberDegree holders earn $14,000 more a year at 21 and $49,000 more at 41. That gap only begins after $93,000 the other side had already banked, and this is a cross section rather than a lifetime.
That is all it takes to see where you would stand ten years out on the most expensive decision most families ever finance.
Open the calculator