My Path
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Study & career profile
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Your custom ROI calculator
Pull in your matched careers and colleges, then adjust every number to fit your real situation.
Yearly costs
Money you don't pay back
Your loans
Estimated monthly loan payment
$1,894/mo
- Federal loan · $166,800 at 6.5% for 10 yrsest. $1,894/mo
Total paid back: $227,278 · Interest: $60,478
Heads up: experts suggest keeping loan payments under ~10–15% of your salary.
Your ROI, step by step
Net = total earned − total paid for school and loans. Estimates only; your rates and pay may vary.
How we calculate your ROI
- School years: you pay tuition, housing, food and books (minus scholarships, grants and loans). Apprentices earn about half pay while training.
- After school: you start earning the career's average salary, with ~3% raises each year.
- Loan payments: your estimated monthly payment comes out of your pay until each loan is paid off.
- Break-even: the point (counted from your first day of school) when your total pay adds up to everything school costs you — out-of-pocket costs plus every loan payment, interest included.
- 10- and 20-year net: total earned minus total paid for school and loans, counted from your first day of school. Bigger is better.
Pay is before taxes and living expenses, so it shows the value of the path — not take-home savings.
All numbers are estimates. Actual costs, aid, interest rates and salaries vary by school, lender and location. Check with your school's financial aid office and your loan servicer. Housing, food and books are rough averages — see each school's cost-of-attendance page.
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