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The whole money question, in the order it actually comes up — with a free tool at every step. Start anywhere; nothing here needs an account, and nothing leaves your device.
The Pell Grant is free money, and a big part of it depends on your household income. Estimate it before award letters arrive, and learn the FAFSA dates that matter.
Estimate your aidArizona’s most valuable aid is the least known — in-state tuition for undocumented graduates (Prop 308), the foster-youth tuition waiver, TRIO, and more. A two-minute, private self-check.
Find missed aidTwo years at a community college, then transfer to a university for the same degree, can save tens of thousands. Price out your 2+2 savings.
See the transfer savingsPassing AP exams and dual-enrollment classes convert to college credit — tuition you skip and time off your degree. Put a number on it.
Value your AP creditFree money you don’t repay. Find Arizona scholarships, write one base essay you reuse everywhere, and watch your total add up against the real cost of a degree.
Track your scholarship moneySticker price is meaningless. Compare acceptances by net cost after grants and scholarships, see your out-of-pocket, and face the loan reality before you sign.
Compare your offersDebt isn’t good or bad on its own — it depends on what you’ll earn. Weigh what you’d borrow against your field’s typical pay, with a plain verdict.
Run the gut checkAn offer isn’t final. If your situation changed — or a comparable school offered more — a polite, specific appeal can win real money. Most families never ask.
Write an appeal letterIf a gap is left after aid, most families reach for a loan — not knowing almost every college offers an interest-free monthly payment plan that splits the bill for a small fee. See what it costs vs. borrowing.
Compare plan vs. borrowingTuition is only half of it. After aid pays the bill, will the leftover refund plus a job cover monthly rent, food, books, and getting to class? Check before the semester does it for you.
Plan your monthly budgetPut it all on one printable page — scholarships won, the gap left, what each offer costs, and the loan picture — for the conversation at the kitchen table.
Print your money planEvery tool here is free and runs entirely in your browser — no account, no upload, nothing sold. Made for Arizona students and families, including first-generation and undocumented students.