Printable checklist
College Planning Checklist
Fund the degree without wrecking the finances.
5+ years out
- Open a 529 in your state (check for tax deduction)
- Set an automatic monthly contribution
- Assume 5–6% annual college cost inflation
Senior year of high school
- File the FAFSA by October 1
- Compare federal vs private loan APRs
- Prioritize subsidized federal loans first
During and after school
- Only borrow what starting salary can service
- Choose income-driven repayment if payments strain budget
- Refinance only after leaving federal loan protections behind knowingly
Supporting calculators
Investment
529 College Savings Calculator
Project a 529 plan balance and estimated state income-tax savings.
Student
College Cost Calculator (USA)
Project total college cost with annual tuition inflation and enrollment years.
Finance
Student Loan Calculator
Monthly payment and payoff timeline for student loans.
Finance
Student Loan Refinance Calculator
Compare current vs refinanced student loan payments, interest, and break-even period.
Finance
Student Loan Payoff Strategy Calculator
Avalanche vs snowball payoff comparison across multiple student loans.