NitroScore

See how your choice of college and major might impact your ability to pay off student loans.

School*

Major*

Please complete these mandatory fields.

Calculating Education Costs

Years in School

Education Cost

Yearly

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Total

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Other Funding Sources (Yearly)

Scholarships

$

Student Savings

$

Grants

$

Family Contribution

$

Job in College

$

Other

$

Loan Requirement

Yearly

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Total

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Student Loan Details

Estimated Student Loan Payments

Monthly

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Yearly

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Drag the sliders to see how interest rates and loan term affect payments.

Interest Rates

Term of Loan

Please note: If you increase the term of loan it is likely the rate will also increase.

Salary

Estimated Gross Salary (Before Taxes)

Monthly

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Yearly

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Estimated Salary After Taxes

Monthly

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Yearly

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Drag slider to see how an increase or decrease in yearly salary can impact your NitroScore.

Save and Compare

Your score is {{ nitroScore }}. Take caution. It could be challenging to make your loan payments and pay the rest of your bills when your loan payments are more than 36% of your Take-Home Pay. Here are three recommendations to increase your Nitro Score - and lower your percentage.

  1. Explore a less expensive school.
  2. Explore a major that leads to a higher average starting salary.
  3. Try scenarios where you contribute more to tuition - taking out fewer loans. Examples: scholarships, job at college, family contribution, etc.

Your score is {{ nitroScore }}. This is a good scenario and one that people can live with, but we recommend exploring scenarios where your loan payments are less than 15% of your Take-Home Pay. Here are three recommendations to increase your Nitro Score - and lower your percentage.

  1. Explore a less expensive school.
  2. Explore a major that leads to a higher average starting salary.
  3. Try scenarios where you contribute more to tuition - taking out fewer loans. Examples: scholarships, job at college, family contribution, etc.

Your score is {{ nitroScore }}. Congrats! This is a recommended scenario where your loan payments are less than 15% of your Take-Home Pay. One thing to be cautious of is other loans you may have when you graduate. Your goal will be to keep all of your loans under 15%.

See how your Take-Home Pay will impact your lifestyle after you graduate. Click here to learn more about post graduation expenses.

Click Save to email yourself a unique link with all your settings saved.

Click Compare, and we’ll add this score to the Comparison Table below. You can then go back and try different scenarios for your School, Major and other adjustments, to see which combination has the highest NitroScore.

Nitroscore comparison table

View Student Loan Options

Nitroscore comparison table

View Student Loan Options

The NitroScore is a tool used to help evaluate the ability to pay off a college loan based on the college and major chosen. The college costs are summarized by the National Center for Education Statistics and published here https://nces.ed.gov/ipeds/. The estimated earnings by major data is compiled by Payscale and can be found here http://www.payscale.com/

The salaries are averages based on a survey of 1.4 million colleges graduates. Nitro does not guarantee that you will receive that average salary - as each individual situation will be different.

Schools change majors on a regular basis and Nitro does not guarantee that a chosen school will have each major. Please contact that school to validate your choice.

The colors of the NitroScore are determined by best practices for the ratio of loans vs. take-home pay. A ratio under 15% is most preferred while a ratio over 36% is not recommended. These are industry recommended ratios. Please note that the NitroScore only looks at student loan debt and does not include other potential debt such as credit cards, auto loans, etc.

There is no relationship between NitroScore and any credit score - which means that there should not be an assumption that a certain Nitro score will make it more or less likely to be approved for a loan.

Emails collected through the NitroScore will not be sold or rented. If the customer chooses to opt-in for updates on how to save money for college, they will receive a weekly email from Nitro. Every email will give the customer an opportunity to opt-out of all future email communications.

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School
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Major
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Education Cost (Yearly)
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Loan Requirement (Total)
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Estimated Gross Salary (Yearly)
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Estimated Student Loan Payments (Monthly)
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Remaining Take-home Pay (Monthly)
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NitroScore
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