@tk21769 are your numbers for direct costs or do they include the, IMHO, arbitrary indirect costs? Are they before or after loans? Do they include work study? Too many people spit out numbers that have no meaning without explanation. Also, too many people just look at that bottom number on NPCs without really looking at the numbers. You should look at what you have to pay the college directly (tuition, fees, room, board) and subtract out what grants and/or scholarships expected. Look at that number.