You enter what you are actually paying — your tuition for the term, or your cost per credit — and your real schedule. No national averages. The calculator divides your money by the class hours you bought, and shows the price of one session and one hour in the room, built entirely from your own numbers.

It also adds up the classes you have already skipped this term and shows exactly how much of what you paid for has gone unused — in dollars and in hours. It does not round down to make you feel better about it.

The same total is broken down into an hourly, minute-by-minute, and average weekly view, because a single big number is easy to look away from, while a steady weekly rate is harder to ignore.

It also projects your current pace across a full four-year degree. That is not a prediction — it simply carries today’s habit across all eight terms of a typical program, assuming nothing changes.

If your tuition is paid with a loan, turning that option on rewrites the underlying math. Money behind a skipped class that was borrowed does not just disappear — it accrues interest for the length of your repayment term. This uses standard loan amortization math to show what that portion of the balance really costs you by the time the loan is paid off, along with the year your repayment is scheduled to end.

The dollar totals also get translated into things that are easier to picture — how many coffee-shop coffees or used textbooks that amount could have covered instead.

Finally, you can generate a plain-text receipt of your own numbers and copy it — useful for showing yourself, a roommate, or a parent exactly where the money went.

This tool provides estimates for personal planning only and is not financial advice. Loan interest calculations assume a standard fixed-rate amortized loan and do not account for income-driven repayment plans, forbearance, or forgiveness programs. For details on federal student loan repayment options, see the Consumer Financial Protection Bureau.