Sample report for a fictional student
For a dependent first-year undergraduate, full-time with a Student Aid Index of 2,000, using the published 2026–27 federal rules. Every amount is an estimate.
One-time payment · full refund within 14 days
This is the plan a family comparing three Ohio public universities would receive as a PDF. The student is fictional; net prices and earnings are federal data (College Scorecard) and every rule comes from the U.S. Department of Education. Your plan uses your own details and colleges.
What a typical aided family pays at each college, and how much the student's own federal loans cover.
Columbus, OH
Each year
Over 4 years
65% of the net price falls to the family
Kent, OH
Each year
Over 4 years
62% of the net price falls to the family
Cleveland, OH
Each year
Over 4 years
56% of the net price falls to the family
Your estimated Pell Grant of $5,395 a year is not added on top: each college's average grants already include typical Pell awards. If an offer shows less in grants than your Pell estimate, ask the aid office why.
Federal amounts for the 2026–27 award year, the latest the U.S. Department of Education has published.
$5,395
a year, no repayment
| Enrollment | A year |
|---|---|
| Full-time (you) | $5,395 |
| Three-quarter | $4,046 |
| Half-time | $2,698 |
| Less than half | $1,349 |
| Year in school | Annual | Subsidized |
|---|---|---|
| First year (you) | $5,500 | $3,500 |
| Second year | $6,500 | $4,500 |
| Third and later year | $7,500 | $5,500 |
| Total as an undergraduate | $31,000 | $23,000 |
Rate for 2026–27: 6.52% fixed. A parent can also borrow up to $20,000 a year in Parent PLUS at 9.07%, after a credit check.
Each year the student borrows up to the federal limit, but never more than that year's net price. The rest is the family share.
| Year 1 | Year 2 | Year 3 | Year 4 | Total | |
|---|---|---|---|---|---|
| Net price | $19,474 | $19,474 | $19,474 | $19,474 | $77,896 |
| Student's federal loan | $5,500 | $6,500 | $7,500 | $7,500 | $27,000 |
| Family share | $13,974 | $12,974 | $11,974 | $11,974 | $50,896 |
Based on $27,000 in federal loans at Ohio State University, at the 6.52% 2026–27 rate.
| Plan | Monthly | Years | Total paid |
|---|---|---|---|
| 10-year payoff | $307 | 10 | $36,822 |
| Tiered Standard | $236 | 15 | $42,389 |
| RAP | $308 | 8.2 | $35,524 |
Debt-to-earnings check: Within the 8% benchmark, using Ohio State University's median earnings of $61,500.
Estimated from published federal rules, not an aid offer. Your plan arrives as a PDF within a minute of payment.