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college-cost

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Compute what a degree will actually cost — sticker minus real aid, inflated per year, split into cash and loans, with the loan's decade-long monthly tail made visible before enrollment instead of after. Use when asked what will college really cost, compare these two offers' real prices, how much loan payment after graduation, or is this school affordable. Produces the all-in number from the script, the offer-letter decode (grants vs loans untangled), the monthly-tail reality check, and the two-school comparison.

plugins/pm-calculators/skills/college-cost/SKILL.md

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Nov 9, 2026

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Nov 10, 2026
License
MIT

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# College Cost Skill

The two numbers that matter — the true all-in cost, and the monthly payment for the decade after — appear nowhere on the marketing or, tellingly, the financial-aid letter, which routinely blends grants (free) with loans (very much not) into one cheerful "award." This skill computes both numbers: net cost per year with aid honestly sorted, inflated forward (tuition outruns CPI), split into cash and borrowed, and the borrowed part converted into the graduate's first decade of monthly reality. Two offers become comparable the moment both are run through it.

## What This Skill Produces

- **The all-in number** — net 4-year cost, cash vs. borrowed, from the script
- **The offer decode** — the award letter's lines sorted: grants/scholarships (free) vs. loans (repaid) vs. work-study (earned) — the blend untangled
- **The monthly tail** — the post-graduation payment, term, and total interest, stated next to a starting-salary reality check
- **The comparison** — two+ schools on identical assumptions, which the letters never are

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