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In recent years, the federal government has pushed for increased transparency when it comes to college prices so many schools now provide online calculators to help students and families estimate the total net costs.

The potential debt that students accrue can greatly affect ROI.

For example, if one’s student loan debt at graduation is more than one’s annual starting salary, that will be a problem.

Ideally, a graduate should earn enough to meet all agreed repayment terms and conditions that came with the loan.

Clearly, the investment in a college education will pay off in the long run.

How much it pays off, however, depends on how smart the investment was in the first place.

The more free money you can get, the less you’ll have to borrow and eventually pay back.While tuition and fees are amounts that most students look at, some tend to overlook other important expenses that can affect total cost.Examples of other expenses to consider include: In addition to these expenses and fees, also consider the financial aid received, such as grants and scholarships.These may not translate directly into financial benefits, but considering the fact that you’ll be committing a year, at the very least, of your life to being a student, they may help to keep you motivated and happy throughout the journey and can also positively affect you long after earning your cap and gown.Just because you’re pursuing a four-year degree, doesn’t necessarily mean that you’ll actually finish in four years.

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