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College Affordability 

College affordability is a complex issue determined by tuition, housing costs, financial aid, scholarships and personal financial resources, and whether a college student and their family can afford the costs associated with attending a particular college. 

The Zenie Foundation believes that affordability, as defined by us, is the capability to completely pay off your college loans plus interest within 10 years of graduation. We believe it is one of the most important factors to consider when choosing a college.  ZF curates articles and resources on this topic to help you make an informed choice.

Affordability
As mentioned above, ZF's definition of affordability is the capacity to completely pay off your college loans plus interest within 10 years of graduation based on realistic income and living expenses. The choice of school and academic major must be consistent with projected financial resources. There are many affordable paths to excellent educational opportunities. Our coaches work with our applicants to help them discover the potential financial ramifications of their options before making a college choice. We are not financial advisors and we do not have all the answers. We share not only our own experiences but also what we have learned from our students and their experiences. It is about discovery and making an informed choice.

College Affordability Toolkit (Zenie Foundation)
College Affordability Toolkit (CAT) is one tool of many that may help guide you in your affordability determination. It is the culmination of conversations with our students over the years, the CAT is designed to provide a snapshot of your financial situation and the potential impact of your college and career choices. It allows you to test a variety of scenarios and "guesstimate" the impact. We recommend you save various scenarios to compare. ​
Please note:  this workbook is currently available as an Excel document and best displayed on laptop or desktop computer. ​The CAT is not intended to be used, nor should it be, as the sole decision making tool when making your college choice.

Your Financial Path to Graduation (Consumer Finance Protection Bureau (CFPB))
Another tool that helps you estimate how much you may need in students loans and how much you may need to make to repay those loans. This tool is a great starting point when exploring many options. Helps you discover which schools and career choices may be affordable for you. Once you determine the schools, use ZF's CAT to dive deeper.

How to Make College More Affordable  (Parents Magazine) 
College costs can feel insurmountable. The good news is there are many resources available that can make higher education more accessible for families.

Money & Finance Check out resources we have developed.
Copyright © 2026 | Zenie Foundation
  • Home
    • About Us >
      • Our Story
      • Values & Effective Adults
      • Co-Investment & Affordability
      • Leadership Vision
      • ZF Team
  • Effective Living
    • Explore More
  • Coaching
    • Meet Our Coaches >
      • Dave Spach
      • Dennis & Diana Curran
      • Frank Zenie
      • John Bracken
      • Karen Rapp
      • Katherine Chatterjee
      • Ken Rapp
      • Kendra & Mike Smith
      • Laura & Tim Petracca
      • Roy Chatterjee
      • Sharon Bracken
  • Scholarship
    • ZF Student Profile
    • Eligibility
    • Scholarship Renewal
    • FAQs
  • Community
    • By the Numbers
    • Student & Alumni Advisory Group (SAG)
    • ZF Seminars
    • Mentorship
  • College Affordability
  • Resources
    • Personal Values & Development
    • Transition to College
    • Money & Finance
    • Internships
    • Careers
    • Live Healthy
    • ZF Partners
    • Terms to Know
  • Contact Us