NitroScore
See how your choice of college and major might impact your ability to pay off student loans.
Calculating Education Costs
Years in School
Education Cost
Yearly
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{{ tuitionTotalFormatted }}Other Funding Sources (Yearly)
Scholarships
$
Student Savings
$
Grants
$
Family Contribution
$
Job in College
$
Other
$
Loan Requirement
Yearly
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{{ requirementTotalFormatted }}Student Loan Details
Estimated Student Loan Payments
Monthly
{{ loanMonthlyFormatted }}Yearly
{{ loanYearlyFormatted }}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
{{ salaryGrossMonthlyFormatted }}Yearly
{{ salaryGrossYearlyFormatted }}Estimated Salary After Taxes
Monthly
{{ salaryNetMonthlyFormatted }}Yearly
{{ salaryNetYearlyFormatted }}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.
- Explore a less expensive school.
- Explore a major that leads to a higher average starting salary.
- 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.
- Explore a less expensive school.
- Explore a major that leads to a higher average starting salary.
- 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
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