College True Cost Calculator
The sticker price is just part of the story. See the full 4-year cost including room & board, loan interest, and the income you forgo while in school.
School Type & Tuition
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Living & Other Costs
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Loans & Career
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True Total College Cost
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including opportunity cost & loan interest
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Full Cost Breakdown
Data sources & methodology:
Tuition and room & board from College Board Trends in College Pricing 2024–25.
Federal loan rates from studentaid.gov (2024–25 academic year).
Opportunity cost based on BLS median weekly earnings for workers aged 22–27 without degrees.
Results are estimates for informational purposes only — not financial advice.
Full disclaimer →
🔒 Calculations run 100% in your browser — we never see your numbers 📊 Built on primary-source data (see sources above) 🔄 Reviewed 2026 · methodology · disclaimer