Estimate how much a scholarship is really worth once avoided borrowing, in-school interest, and post-grad compounding are part of the picture.
Estimated Debt Avoided
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Enter the scholarship amount and loan assumptions to estimate the full debt and net-worth impact.
Tap an example to prefill the calculator with sample values.
Four-year scholarship
$12k per year for four years
A common scenario where the sticker scholarship looks smaller than the real debt avoided at graduation.
Result: The long-run value is bigger than the headline award once debt and compounding enter the picture.
Two-year transfer grant
Large aid package for the final two years
Shows how late-stage aid still matters, even though it has less time to avoid in-school interest.
Result: The avoided debt is smaller than a four-year award, but the payment relief can still be meaningful.
Merit stack
Mid-size renewable award
Useful for comparing one school with aid against another school with a higher sticker price.
Result: A renewable award creates a real net-worth head start, not just a smaller tuition bill.