The Layan Library · Financial Tools

Graduate School ROI Calculator

Enter your program costs, funding, loans, and expected salary. The figures update as you type.

Program length

Program lengthyears

Program costs per year

Annual tuition$Annual rent and utilities$Annual other living expenses$Annual school and additional fees$

Gross program cost

Financial aid per year

Merit aid and scholarships$External fellowships$Other funding$

Total financial aid

Loans per year

FederalAnnual federal loan amount$Federal loan interest rate%

PrivateAnnual private loan amount$Private loan interest rate%

Total loans borrowed

Interest during enrollment

Debt at graduation

Federal loans are often disbursed in two semester installments. This estimate assumes the full annual amount is disbursed at the start of each year, slightly overstating interest to provide a conservative estimate.

Post-graduate salary

Expected starting salary from program outcomes$

Your results

The complete estimate

Gross program cost

Total financial aid

Debt at graduation

Expected starting salary

The 1× rule ratio

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The 1× rule states that total student loan debt at graduation should not exceed expected first-year salary. Source: Mark Kantrowitz, student financial aid expert; Georgia Student Finance Commission.