College math without the enrollment pitch.
Most college cost calculators are run by enrollment consultants, private student-loan lenders, or college savings platforms with a commission on the account. This site is the opposite: every formula is open-source, every assumption cites the primary source (FAFSA EFC formula, IRC §529, IRS Pub 970, College Board annual reports), and every tool is reviewed by a named operator. Built for families navigating student loans, EFC calculation, 529 growth, and scholarship ROI.
Calculators
Pick the college math you actually need.
Learn
Concepts behind the college math.
- Student Loans
Federal student loan repayment options compared: standard, IDR, and PSLF
Standard repayment, SAVE, PAYE, IBR, ICR, and PSLF — each plan produces a different total-cost outcome depending on income trajectory. Here's the primary-source comparison.
- Savings
529 plan rules explained: contributions, withdrawals, and SECURE 2.0
IRC §529 lets earnings grow tax-free and withdrawals are tax-free for qualified expenses. SECURE 2.0 adds a Roth rollover escape valve — here's how the math works.
- Financial Aid
FAFSA 2026 Complete Guide: SAI Formula, Contributor Requirements, and Aid Maximization
EFC is gone. SAI is the new formula — and the Contributor concept means both parents must provide financial data even if they don't pay tuition. Here's the full AY 2025-26 FAFSA playbook, no admissions-office spin.
- Student Loans
When to Refinance Student Loans in 2026: The Federal Protection Trade-Off Analysis
Refinancing federal loans is a one-way door. The lower rate looks good on paper — but you lose IDR, PSLF, and discharge rights permanently. Here's the NPV analysis you need before you walk through it.
What makes this different
Three things every Bedrocka Tools site does that the enrollment consultant mills don't.
Open-source math
Primary-source citations only
Named operator, no commission
Bedrocka Tools family
College Math Pro is part of the Bedrocka Tools portfolio of source-cited calculator sites. For Roth conversion and retirement planning — IRMAA lookback, backdoor Roth, RMD avoidance — visit rothmathpro.com (Roth Math Pro). Same doctrine, different depth. Each site is individually source-cited and quarterly reviewed.
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