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Review Financial Plan

Funds you don’t have to pay back
Your Money
Federal Loans

You’re making great progress on your plan


Now finance your educational future

You’ve determined your educational costs. On the next few screens, you’ll begin deciding how to cover those costs from the funding options below in order to complete your plan and get your Shopping Sheet.

Funding sources

Explore military-related and other resources you don’t have to pay back:

  • Military benefits
  • Veterans benefits
  • Grants
  • Scholarships
  • Monetary gifts
  • Employer tuition benefits

Your money

Consider what you can put toward your education:

  • Cash
  • Savings
  • Investments

Federal student loans

Help cover remaining education costs with federal student loans:

  • Available to those who qualify
  • Must be paid back with interest

You’re making great progress on your plan


Now finance your educational future

You've determined your educational costs. Now you’ll begin deciding how to cover those costs from these funding options:

Funding sources

Explore resources you don't have to pay back:

  • Employer tuition benefits
  • Grants
  • Scholarships
  • Monetary gifts

Your money

Consider what you can put toward your education:

  • Cash
  • Savings
  • Investments

Federal student loans

Help cover remaining education costs with Federal student loans:

  • Available to those who qualify
  • Must be paid back with interest

Each column below represents an academic year. Total annual tuition expenses for your degree program appear on top. As you explore the funding options in the next few pages, the amounts you enter will begin to fill these columns.

NOTE: The ratio of funding that will appear in these columns will not be proportionate to what you see in your final results.

You've completed all the steps in your Financial Plan and Shopping SheetYou've completed all the steps in your Financial Plan and Shopping Sheet

You've completed a fully funded Financial Plan and Shopping Sheet

Your Financial Plan and Shopping Sheet is complete and fully funded

Congratulations! You successfully created a fully funded Financial Plan based on your estimated educational expenses.

Please review your Financial Plan and Shopping Sheet to see all the details. You’ll be able to download it for reference.
Congratulations! You successfully created a fully funded Financial Plan based on your estimated educational expenses.

Please review your Financial Plan and Shopping Sheet to see all the details. You’ll be able to download it for reference.

Based on the information you entered, your funding doesn't cover all of your educational costs for one or more academic years. Unfunded costs represent the estimated difference between the costs of going to school and all of your available resources to cover those costs.Based on the information you entered, your funding doesn't cover all of your educational costs for one or more academic years. Unfunded costs represent the estimated difference between the costs of going to school and all of your available resources to cover those costs.

Ways to cover your unfunded costs:
  • Consider contributing your own money if you initially chose not to.
  • Adjust your indirect expenses if you chose to include them for this plan.
  • If you’re employed outside the military, talk to your employer about educational benefits that may be available.
  • Look into scholarships opportunities.

Please review your Financial Plan and Shopping Sheet to see the details of your unfunded costs. You'll be able to download them for reference.Please review your Financial Plan and Shopping Sheet to see the details of your unfunded costs. You'll be able to download them for reference.

Based on the information you entered, your funding may exceed your educational costs across all academic years. We encourage you to contact a University Enrollment Advisor to discuss your Financial Plan.

Please review your Financial Plan and Shopping Sheet so you can see the details of your overfunding. You’ll be able to download them for reference.
Based on the information you entered, your funding may exceed your educational costs across all academic years. We encourage you to contact a University Enrollment Advisor to discuss your Financial Plan.

Please review your Financial Plan and Shopping Sheet so you can see the details of your overfunding. You’ll be able to download them for reference.

Build Financial Plan

Please Continue to provide the details necessary to build your financial plan.

Federal Pell Grant

Funds you don’t have to pay back

Federal Pell Grant

Military and veterans benefits

Your Money

Your Money

Federal student loans

Funds you don’t have to pay back

Review your Financial Plan

Please answer the following questions to help build your Financial Plan.
You can review brief descriptions of the military and veterans benefits at any time while you complete this page.

You’ve completed a fully funded Financial Plan and Shopping Sheet

Congratulations! You successfully created a fully funded Financial Plan and Shopping Sheet based on your estimated educational expenses.

Please review the documents to see all the details. You’ll be able to download them for reference.

You’ve completed an overfunded Financial Plan and Shopping Sheet

Based on the information you entered, your funding may exceed your educational costs across all academic years. We encourage you to contact a Military Division Enrollment Advisor to discuss your Financial Plan.

Please review your Financial Plan and Shopping Sheet so you can see the details of your funding. You’ll be able to download the documents for reference.

Your educational funding

Based on the information you entered thus far, you may be fully funded in one or more academic years but unfunded in others. To help you cover these unfunded years, there are additional ways to secure funding that you don’t have to repay.

Click continue to explore these options.

Your educational funding

Based on the information you entered thus far, you may be overfunded in one or more academic years but unfunded in others. To help you cover these unfunded years, there are additional ways to secure funding that you don’t have to repay.

Click continue to explore these options.

Your educational funding

Based on the information you entered thus far, you may be unfunded across all academic years. To help you cover these unfunded years, there are additional ways to secure funding that you don’t have to repay.

Click continue to explore these options.

Explore the following options to fund your education.
Contributing directly to your educational costs is a great way to reduce the need for loans and future debt. Consider the amount of money you can pay per month. You can change this information later as needed.
All fields are required.

Based on the information provided, you may be eligible for the Federal Pell Grant. We estimate that you may receive up to $0 in Federal Pell Grant funds for your entire program, reducing your net price to $0.

The Pell Grant provides funds as you successfully complete your program that you don’t have to pay back. If eligible, you must apply each year to receive Pell funds. Even though your Pell Grant amount may vary from year to year, the estimation below does not change your Pell Grant amount from year to year.

Based on the information provided, you are not eligible for the Federal Pell Grant. There may be other resources to help pay for your education that don’t require repayment.

Based on the $0 you can pay per month, we estimate you will contribute $0 to your program.

Move the bar to see how paying each month changes your overall financial plan.

Estimate per month
$0
$0
 

Estimated federal student loans

Based on the information provided, we project $0 in Federal Direct Unsubsidized Loans will not cover your remaining educational expenses. Generally, repayment begins six months after you stop attending the University.

Move the bar to see how reducing your total federal loan funds also reduces your loan payments each month. Your monthly payments must be at least $50.

Estimated loan repayment each month
$0
$10,000
 

Your Financial Plan currently estimates you have unfunded costs

Based on the information you provided, your funding may not cover $0 of your educational costs. Unfunded costs represent the estimated difference between the costs of going to school and all of your available resources to cover those costs. Consider contributing your own funds or increasing your amount, adjusting indirect expenses, checking into employer educational benefits or looking into scholarship opportunities.

Almost finished

Click Continue to advance in your Financial Plan.

Legend
Green: Amount being funded
Yellow: Amount that is overfunded
Gray: Amount that is yet to be funded

Moving your cursor over the image above will show you details of your funding breakdown to this point.

There may be more resources to help pay for your education that don’t require repayment. Continue to the next step to keep building your financial plan.

These estimates do not represent a final determination, or actual award, of financial assistance or a final net price. Price of attendance and financial aid availability change year to year. Not all students receive financial aid. In the period of July-June 2011-2012, 89 percent of our fall cohort (August to October) full-time students enrolling for college for the first time received Pell Grant funding. Students may also be eligible for student loans and other aid not included in this percentage. Students must complete the FAFSA® to determine their eligibility for federal financial aid. For more information on applying for federal student aid, go to www.fafsa.ed.gov.

The loan amount you need to borrow can be significantly reduced by increasing the monthly personal contribution made while in school.

The federal student loan program allows you to choose from a designated repayment plan to meet your needs. To learn more, visit the Federal Student Aid website.

Explore your federal student loan options

Continue to proceed with your financial plan

Tuition and expenses Edit

Tuition

Tuition is subject to change at any time at the University's sole discretion and tuition cost may fall below or above the estimate provided in the summary.

$0
Estimated tuition discount (-%)

For privacy reasons we can not show a company’s actual discount. Companies of this size typically offer a 3-10% discount. For your financial plan we’ll use 5% for modeling purposes only. Your actual amount may be more or less. Please contact your human resource advisor for exact amount.

$0
Materials and fees

This covers the cost of electronic course materials, books and any fees throughout your program.

$0
Application fee$0
Room and board

Room and board is the cost of housing (room) and food (board) while at school. You can exclude these estimated costs from your financial plan or change them to reflect your personal situation.

$0
Other expenses

Do not include textbooks in this amount. You can include the loan origination fees and the purchase of a computer, software, etc.

$0
Total tuition and expenses$0

Military and veterans benefits Edit

Funds you don’t have to pay back Edit

Federal Pell Grant–$0
Employer tuition benefits–$0
Scholarships–$0
Monetary gifts–$0
Total benefits–$0

Federal student loans and monthly personal contributions Edit

Personal contributions: ($0/month x 0 months) $0
Federal Direct Unsubsidized Loan details:
Principal amount

This is the estimated amount borrowed, excluding interest. Maximum loan eligibility can vary year to year by grade level.

$0
Interest amount

This is the dollar amount you’ll pay that accrues on the outstanding principal balance. We assume all loans in this calculation are unsubsidized, this means interest accrues while you’re in school. This total assumes interest is paid while in school.

$0
Total principal and interest$0
Interest rate

Interest calculated using the Federal Direct Unsubsidized Loan fixed rate. Your payments may be less if you are eligible for Federal Direct Subsidized Loans.

0%
Estimated repayment period0 years
Estimated monthly loan payment

This payment is based on principal only. The federal student loan program allows you to choose from a designated repayment plan to meet your needs. To learn more, visit the Federal Student Aid website.


(Generally repayment begins 6 months after you exit.)
$0
Federal Direct PLUS Loan details:
Principal amount

This is the estimated amount borrowed, excluding interest.

$0
Interest amount

This is the dollar amount you’ll pay that accrues on the outstanding principal balance. Interest accrues while you’re in school. This amount assumes interest is paid while in school.

$0
Total principal and interest$0
Interest rate

Interest rate is calculated using the Federal Direct PLUS Loan rate as established by the Department of Education for this award year. Your interest rate may be higher or lower, and is based on the date your loan is awarded.

0%
Estimated repayment period0 years
Estimated monthly loan payment

The federal student loan program allows you to choose from a designated repayment plan to meet your needs. To learn more, visit the Federal Student Aid website.


(Repayment begins depending upon your loan and previous deferment status.)
$0
Total federal student loans and monthly personal contributions$0

Total unfunded costs

Have you considered employer tuition benefits?
Take advantage of employer tuition benefits   to help reduce your unfunded costs.
Have you considered personally contributing?
Did you know that if you contribute just $150 a month while you're in school, you can reduce your monthly loan payments and reduce your future student loan debt by $0?
You have unfunded costs.
Your estimated plan shows $0 in unfunded costs. Here are some steps you can take to build out a plan to cover these costs:
  1. If you contribute $0 per month you can cover the entire unfunded amount
  2. Explore other funding options like scholarships, employer tuition benefits, etc
  3. Speak to a representative about your plan options by calling 866.766.0766
By contributing to your educational costs, you have eliminated your future student loan debt for this program.
Total unfunded costs$0
Have you considered contributing more?
By contributing money while in school, you have reduced your future student loan debt by $0 (total reduction for program). For additional debt savings, you may increase your monthly contribution.

Tell us about yourself

All fields are required.
Please select if belong to U.S. Armed Forces.
Please select your international status.

We're unable to calculate international tuition rates within this Financial Plan tool. Please call 800.433.3180 to speak with a University Enrollment Advisor.

Please enter a valid U.S. postal code.
There are no campuses within 60 miles of your zip code.
Please select a learning mode.
Please select a region/theater.
Please select a base.
Please select a campus.
Please select an area of interest.
Please select a degree level.
Please select a program.
There are no programs matching your selections.
Transfer credits should not exceed 45.
Transfer credits should not exceed 90.
Transfer credits should not exceed 6.
Only whole numbers of credits are allowed.
Transfer credits should not exceed 0.
Please enter an expected start date in the format mm/dd/yyyy.
Your expected start date must not be in the past.

The Tuition Cost Calculator and the Financial Plan are intended to provide an estimate only. While widely available, not all programs are available in all locations or in both online and on-campus formats. Please check with a University Enrollment Advisor.

You may be eligible for a tuition reduction through our employer academic partnership program

We partner with companies to help educate their employees, and we offer a tuition reduction to employees of many of these companies when they attend University of Phoenix. Enter your employer name below to see if it is among our partners. (Note: Your employer may be listed under a parent company name.)

We cannot show specific employer tuition reductions. If you are eligible, your actual amount may vary. We'll use 5 percent for estimation purposes.

If you prefer to skip this section, click Continue below.

Search

For privacy reasons we cannot show specific company discounts. If you select a company below, we'll use 5 percent for modeling purposes only for your financial plan. Your actual amount may be more or less. Please contact a University Representative for an exact amount.

Tell us about your service and affiliation

* These fields are required.
Please tell us your association with U.S. military.
Please select the branch of military you are affiliated with.
Please enter an expected separation date in the format mm/dd/yyyy.
If you are a veteran expected separation date cannot be current date or in the future.
Active duty service members cannot have their expected separation date in the past.

Estimated Tuition Cost Summary

International

Area of Interest:  
Degree Level:  
Mode:  

Tuition (per credit)Most courses are three credits  
Electronic Material Fee (per course)  
One-Time Application Fee  
Please call 866.766.0766 to speak with a campus representative.

Note about Estimated Tuition Cost: If you chose any courses with a start date of , or later, the new tuition rates for those courses are reflected in your total estimated tuition cost for your program.

Note to international students

Tuition information based on your area of interest is currently unavailable online. However, our University advisors can help provide you with that information. Please call us at 866.766.0766 for assistance.

Explore tuition estimates for other programs: Recalculate

Estimated Tuition Cost Summary

We're sorry. We don't have tuition information in this calculator for the criteria selected.

Please call to speak with one of our financial advisors for more information and reference the following criteria.

Location (ZIP):  
Mode:  
Campus:  
Area of Interest:  
Degree Level:  
Program:  

Explore tuition estimates for other programs. Recalculate

Review tuition and expenses

Program
Modality
Total program credits
Lower division
Upper division
Estimated transfer credits
Remaining credits
Based on this number, we estimate you'll need to complete three-credit courses.

Direct expenses

Direct expenses Edit

Direct expenses include credits, tuition, and course-related materials and fees.

Credits, tuition and fees Total
Military rate
( per credit)

You may be eligible for a military rate, which is lower than our standard rate. It can may apply to both lower- and upper-division credits.

Lower division credits
(lower per credit)

Courses numbered 100-299 carry undergraduate, lower-division credit and commonly consist of general education classes.

Upper division credits
(upper per credit)

Courses numbered 300-499 carry undergraduate, upper-division credit and focus on the degree program and specialization.

Tuition

Tuition is subject to change at any time at the University’s sole discretion and tuition cost may fall below or above the estimate provided in the summary.

Estimated tuition discount (-%)

If you’re eligible for this, contact a University Enrollment Advisor for the exact amount. Employees of many of our employer academic partners typically receive a 3-10 percent tuition reduction from the University. We’ll use 5 percent for estimation purposes.

Materials and fees

This covers the cost of electronic course materials, books and any fees throughout your program.

Application fee (one-time)
Total

Indirect expenses

Indirect expenses Edit

These are separate from tuition and fees and can include books, computer, rent, utilities, meals, transportation and personal care. The numbers below are institutional averages; adjust them for your situation.

Add Expenses

These expenses extend beyond tuition and may include housing, food allowance, supplies, transportation costs and loans fees. The amount of financial aid you are eligible to receive is not affected when you increase or decrease your indirect expenses. Military students living on a military base or housing for which they are receiving BAH may have a reduced estimated cost of attendance.

Total
Room and board

Room and board is the cost of housing (room) and food (board) while at school. You can exclude these estimated costs from your financial plan or change them to reflect your personal situation.

Other expenses

Do not include textbooks in this amount. You can include the loan origination fees and the purchase of a computer, software, etc.

Total $TOT

Military and veterans benefits Edit

Resource type Total
Total $0

Funds you don’t have to pay back Edit

Have you considered employer tuition benefits?
Take advantage of employer tuition benefits   to help reduce your unfunded costs.
Have you considered personally contributing?
Did you know that if you contribute just $150 a month while you’re in school, you can reduce your monthly loan payments and reduce your future student loan debt by $0?
Have you considered contributing more?
By contributing money while in school, you have reduced your future student loan debt by $0 (total reduction for program). For additional debt savings, you may increase your monthly contribution.
You have unfunded costs.
Your estimated plan shows $0 in unfunded costs. Here are some steps you can take to build out a plan to cover these costs:
  1. If you contribute $0 per month you can cover the entire unfunded amount
  2. Explore other funding options like scholarships, employer tuition benefits, etc
  3. Speak to a representative about your plan options by calling 866.766.0766
By contributing to your educational costs, you have eliminated your future student loan debt for this program.
Resource type Total
Federal Pell Grant
Employer tuition benefits
Scholarships
Military benefits
Monetary gifts
Total

Federal loans and monthly personal contributions Edit

Resource type Total
Personal contributions
Federal Direct Unsubsidized Loans
Federal Direct PLUS Loans
Total

Unfunded costs

Our financial plan currently estimates you have $0 in unfunded costs. Unfunded costs represent the estimated difference between the cost of going to school and all of your available resources to cover the cost. To meet your unfunded costs, you may adjust your monthly contribution, modify your indirect expenses, or explore scholarship opportunities.

Unfunded costs Total
Unfunded costs
Total tuition and expenses

This total provides a guideline for how much it will cost you to go to school. The actual cost of attendance adds tuition and fees with your indirect expenses.

( months):

Note about Estimated Tuition Cost: If you chose any courses with a start date of , or later, the new tuition rates for those courses are reflected in your total estimated tuition cost for your program.

Explore options to pay for school

There are plenty of ways to help you pay for your education. You'll now explore funding options and build the rest of your plan.

University of Phoenix tuition may vary by campus and type of degree program. Credits required for completion of your program depend on a number of factors, including any applicable credits earned at another institution and University of Phoenix residency requirements. Delays in attendance or completion of your program may result in additional required courses. Costs are calculated based on the information you provided. Your anticipated start date may affect the cost of your program.

These are estimates based on the information you provided. Military rates could be lower than those provided here. Speak to a Military Division staff member to learn more.

Employer tuition benefits

In addition to the tuition discount, you can save even more money if your employer () helps pay for your education

Consider employer tuition benefits to help reduce your unfunded costs. Your employer may help you pay for your education. If you’re unsure about your tuition reduction eligibility, please speak with your employer.

Scholarships and grants

A scholarship or grant is awarded to help you pay the cost of education and typically does not require repayment. You can obtain a scholarship or grant by meeting the criteria, applying and becoming the successful recipient. Explore scholarship and grant information online by visiting the Center for Scholarship Excellence.

Military benefits and veterans education assistance

If you are active duty, a member of the Reserve or a member of the National Guard, you may eligible for military tuition assistance. If you are a veteran, or spouse or dependent with veteran's education entitlement, you may be eligible for education assistance from the U.S. Department of Veterans Affairs. Contact the U.S. Department of Veterans Affairs to determine your eligibility.

Monetary gifts

Your family, friends or an organization may help pay for your education by providing monetary gifts.

You may be eligible to receive a Federal Pell Grant, which is educational funding that doesn’t have to be repaid and helps make college more affordable. Financial aid eligibility is, in part, determined by your dependency status. Answering the questions below will help identify whether you have dependent or independent status.

The summary provides estimates of the costs that are currently assessed for your selected program at University of Phoenix. Financial estimates are based on the information you provided. Financial estimates may vary from actual costs. Any increase in tuition or materials cost is subject to change at the University’s sole discretion and may fall below or above the estimate in the summary. Federal financial aid eligibility and the amount of federal financial aid funds awarded to you, if any, are determined by the U.S. Department of Education and the University. The summary does not guarantee loan repayment amounts and does not include previous student loan balances.

For more information about each of these programs, including on-time completion rates, the median debt incurred by students who completed the program and other important information, please visit phoenix.edu/programs/gainful-employment.html.

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Your plan progress

As you advance through the Financial Plan tool, the tuition and expenses estimates will update here automatically.


Total tuition and expenses
( months)
Federal grants $0
Estimated net price

Net price is the dollar amount that must be paid after subtracting financial assistance from cost of attendance. Use net price to determine how much your education will cost and how to budget for it.

$0
Military and veterans benefits $0
Employer benefits $0
Scholarships $0
Monetary gifts $0
Personal contributions $0
Federal loans $0
Direct Unsubsidized Loans $0
PLUS Loans $0
Unfunded costs $0
My tuition cost detail › Recalculate

Note about Estimated Tuition Cost: If you chose any courses with a start date of , or later, the new tuition rates for those courses are reflected in your total estimated tuition cost for your program.

Save your Financial Plan information through our Phoenix Prep Center. You’ll be taken to a new page to create an account with an email address and password.

Get started here

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Take the next step

Planning for your educational investment

The decision to enroll in any higher education program is really about making an investment in your future — an investment of time, effort and money. If you, like many students, need to borrow money to finance your educational investment, it is critical that you have a financial strategy in mind for your entire degree program — not just a plan to pay for one course or semester at a time.

By having a strategy, and understanding the cumulative amount you need to borrow, you can approximate your monthly loan repayments. Then, depending on your individual circumstances, degree program and what you estimate your future salary to be, you can determine if that monthly repayment amount is manageable.