Calculators

Many websites offer calculators to assist you in making college affordable. Available calculators include:

• expected family contribution estimators
• budget calculators (be sure to look over the calculator first to distinguish between student budget and family budget)
• loan calculators for determining monthly payments and the total cost of a loan
• college savings planners

Although there are several websites (including those set up by lenders) that provide useful calculators, we suggest you start with those listed below:

• New York State Higher Education Services Corporation
  http://www.hesc.com/content.nsf/SFC/0/Financial_Aid_Calculators
• CollegeBoard
  http://www.collegeboard.com/student/pay/add-it-up/401.html
• FinAid
  http://www.finaid.org/calculators/

To determine how much you should borrow, we encourage you to use the following calculators:

• Click here to access a Budget Calculator (to assist in evaluating family income/expense flows and possibly freeing up current income to help reduce the amount of loans needed)
  
• Click here to access a Loan Calculator (for calculating monthly payments)
  

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