College Affordability LLC (doing business as “PayForED”)


The products offered by PayForED (the “Tools”) are a planning software tools that estimates your financial situation and suggests potential ideas and concepts regarding the financing of expenses of higher education. The purpose of the Tools is to illustrate how certain financial and planning strategies may improve your ability to finance such expenses.

The Tools’ outputs are based upon information and assumptions provided by you, the customer. The Tools provide broad and general guidelines on the advantages of certain strategies and do not constitute a recommendation of any particular technique. The Tools collect data input by the customers, which data are then analyzed against selected colleges’ gifting, aid and tuition assistance policies derived from publicly available information. Colleges’ policies change and often have unique criteria for applicability to student applicants based on several factors, including financial condition.

The term “plan” or “planning,” when used by Pay ForED, do not imply that a recommendation has been made to implement one or more financial plans or make a particular investment. Nor do the Tools provide legal, accounting, financial, tax or other advice. Rather, the Tools provide a summary of certain potential financial strategies. You should consult your tax and/or legal advisors before implementing any transactions and/or strategies concerning your finances.


Interest rates that may be indicated in connection with your use of the Tools are obtained from sources we consider reliable but are not guaranteed.

PayForED is not a lender and actual rates will depend on lenders’ criteria for extending credit, including your creditworthiness, the term of the loan and other factors over which Pay for Ed has no control or input.

The information provided herein may not be relied on for purposes of avoiding any federal tax penalties. You are encouraged to seek financial, tax and legal advice from your professional advisors. The Tools will yield different results depending on the variables inputted, and the assumptions underlying the calculation.