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Work out your next step

Training budget and monthly cash-flow planner

See the full bill, the effect of delayed aid and the months you may run short. Include childcare, equipment and placement expenses as well as tuition.

Enter your costs and funding

Include only money available for these costs. Other training costs are due in month one in this model. Grants and loan proceeds arrive once in the month you select; within-month timing is not modelled. Enter confirmed aid rather than an advertised maximum.

Your numbers remain in this browser tab. Nothing is submitted or saved automatically.

Enter your figures and select Calculate. All costs start at zero so you can build your own scenario.

Check the assumptions

Use a written price for the exact course, campus and start date. Confirm payment and aid-disbursement dates with the school. These tools use your inputs and do not determine aid, tax or loan eligibility. Cash-flow planning does not add forgone earnings to bills a second time.

Reference: Federal Student Aid: understanding an aid offer and loan interest and fees. Calculations are our stated scenario models.