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As a professional tool, college funding planners, CFPs, and IECs will provide a vital service to their customers: families with college bound students. By helping them understand what they should spend for college, parents can plan accordingly and avoid long-term debt. It is a sophisticated calculator that considers family income, assets, and current cash flow, then shows how college costs impact their debt to income ratio. When families begin the college process with a budget in mind, it helps professionals and students create college lists that work within a set of financial "guardrails" and not put family financial well being at risk.