Free tool

40-Year College ROI

Estimate the lifetime financial return of a college choice. Includes loan interest, sibling FAFSA discount (CSS Profile), and major-specific earnings curves.

Net cost per year (after aid)

Intended major

Paid in cash: 50% (rest is loans at 6.5% APR)

Loan APR: 6.5%

School prestige boost: +13% to starting salary

T20 → 80–100. Top public flagship → 50–70. Regional → 0–30.

Siblings in college concurrently: 0

The CSS Profile (used by ~400 private schools) reduces net price ~32% per concurrent sibling, capped at 2.

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College ROI Calculator

40-Year College ROI