EduPath Premium | Guided Educational & Financial Trajectory

EduPath™ Platform Sign In

Password Recovery

{{ forgotStep === 1 ? 'Enter your username or registered email for a 6-digit code. Please check your spam folder if not in your inbox.' : 'Enter the 6-digit code sent to your email and set a new password.' }}

Two-Factor Authentication

Enter the 6-digit verification code sent to your email. Check your spam folder if not found.

Privacy-First Student ID Mode Zero Personally Identifiable Information (PII) stored

✔ Key Locked

Stripe Secure PCI-DSS Compliant

Individual online payment is currently offline. Please register with an Organization Key.

Annual Pass

$49 / yr

Monthly Plan

$9.99 / mo

First-time login: Password update required.

Current Password *

New Secure Password *

Confirm New Password *

Password Policy: Minimum 8 characters, at least one uppercase letter (A-Z), one lowercase letter (a-z), one number (0-9), and one special symbol (!@#$%^&*).

Privacy • Terms • Disclaimer

{{ t('hero_p1') }} EduPath {{ t('hero_p2') }}

All Simulation Modes Restricted

Your school administrator has currently restricted access to simulation modes. Please contact your advisor.

{{ t('warp_splash_sub') || '15-Second Quantitative Trajectory Engine' }}

Compiling 50-year progression for {{ warpForm.career ? (warpForm.career.displayTitle || warpForm.career.title) : 'Career Goal' }} in {{ warpForm.state_id }}.

Trajectory Synthesis {{ warpLoadingProgress }}%

Actuarial Stream Active

> {{ log }}

15-Sec Calculation FERPA SECURE

{{ t('mode_warp_title') }} 15-Second Actuarial Engine

💡 {{ t('warp_setup_desc') }}

1 {{ t('warp_step1_title') }} *

{{ t('warp_starting_pay') }}: ${{ num(warpForm.career.entry_wage, 0) }}/yr

{{ getEducationDegreeLabel(x) }} {{ num(x.total_jobs, 0) }} Jobs

${{ num(x.median_wage, 0) }}/yr

{{ t('warp_req_edu') }}: {{ getRequiredYears(warpForm.career) }} Year(s)

{{ t('warp_starting_salary') }} ${{ num(warpForm.career.entry_wage, 0) }}/yr

{{ t('warp_mid_salary') }} ${{ num(warpForm.career.median_wage, 0) }}/yr

{{ t('warp_peak_salary') }} ${{ num(warpForm.career.exp_wage, 0) }}/yr

💡 {{ t('warp_lifetime_sub') }} ({{ (t('warp_lifetime_equiv') || "equals ~${amt} in today's buying power").replace('${amt}', formatBigMoney(getCareerTodayGross(warpForm.career))) }}).

${{ formatBigMoney(getCareerLifetimeGross(warpForm.career)) }}

{{ t('warp_worker_demand_gauge') }} {{ getDemandInfo(warpForm.career).score }}% • {{ getDemandInfo(warpForm.career).status }}

{{ t('warp_ai_replacement_risk') }} {{ getAIRisk(warpForm.career).level }} ({{ getAIRisk(warpForm.career).exposure }})

2 {{ t('warp_step2_title') }}

{{ getWarpTotalYears() }} / {{ getRequiredYears(warpForm.career) || 0 }} {{ t('warp_yrs_selected') }}

{{ t('warp_over_edu_title') }} {{ t('warp_over_edu_p1') }} {{ getRequiredYears(warpForm.career) }} {{ t('warp_over_edu_p2') }} {{ getWarpTotalYears() }} {{ t('warp_over_edu_p3') }}

{{ t('guided_over_edu_warn_title') || 'Over-Education / Unnecessary Debt Warning' }} Your chosen career path ({{ warpForm.career.displayTitle || warpForm.career.title }}) typically does not require a college degree. Simulating college tuition will introduce up to ${{ num(getWarpGrossEdCost(), 0) }} in unnecessary student loan debt.

#{{ cIdx + 1 }}

{{ col.state }} • {{ t('lbl_in_state') || 'In-State' }}: ${{ num(col.tuition_in, 0) }}{{ t('lbl_per_yr') || '/yr' }} • {{ t('lbl_alumni_median') || 'Alumni Median' }}: ${{ num(col.median_earn, 0) }}{{ t('lbl_per_yr') || '/yr' }}

{{ t('warp_years_attending') || 'Years Attending' }} *

{{ t('warp_housing_plan') || 'Housing Plan' }} *

{{ c.name }} ({{ c.state }}) Alumni Median: ${{ num(c.median_earn, 0) }}/yr

+${{ num(c.tuition_in, 0) }}/yr

{{ t('npc_engine_heading') || 'School Net Price vs. Sticker Price Award Letter' }}

{{ (warpCollegesList[0] || warpForm.college)?.name || (t('npc_target_school') || 'Target Institution') }}

{{ t('npc_config_title') || 'Configure Financial Aid Award & Net Price' }} {{ t('npc_config_desc') || 'Calculate net costs using automated estimates OR enter official school calculator results' }}

{{ t('npc_banner_warning') || '⚠️ Don\'t Pay Full Sticker Price!' }} {{ t('npc_banner_save_thousands') || 'Save Thousands' }}

Over 85% of students receive grants and scholarships. Click here to estimate your net cost or enter official school aid!

{{ t('npc_opt1_title') || 'Option 1: Automated IPEDS & Merit Model' }} {{ t('npc_opt1_sub') || 'Statistical Estimate' }}

{{ t('npc_opt1_gpa_label') || 'Cumulative High School GPA:' }} {{ t('npc_opt1_gpa_sub') || 'Configures merit-based institutional scholarship awards' }}

{{ studentGpa.toFixed(1) }} GPA

{{ t('npc_total_coa') || 'Total Cost (COA)' }} ${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).totalCoa, 0) }}/yr

{{ t('npc_total_gift_aid') || 'Total Gift Aid' }} -${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).totalGiftAid, 0) }}/yr

{{ t('npc_est_net_price') || 'Estimated Net Price' }} ${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).netPrice, 0) }}/yr

{{ t('npc_direct_indirect_title') || 'Direct & Indirect Costs' }}

{{ t('npc_tuition_fees') || 'Tuition & Fees:' }} ${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).tuitionAndFees, 0) }}

{{ t('npc_housing_meals') || 'Housing & Meals:' }} ${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).housingAndMeals, 0) }}

{{ t('npc_books_personal') || 'Books & Personal:' }} ${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).indirectCosts, 0) }}

{{ t('npc_merit_award') || 'Merit Scholarship:' }} -${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).meritAward, 0) }}

{{ t('npc_pell_grant') || 'Federal Pell Grant:' }} -${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).pellGrant, 0) }}

{{ t('npc_seog_grant') || 'SEOG & Need Grant:' }} -${{ num(getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).seogGrant + getSchoolFinancialAidBreakdown(warpCollegesList[0] || warpForm.college, warpForm.family_income_bracket, studentGpa).instNeedAward, 0) }}

{{ t('npc_or_divider') || '— OR ENTER OFFICIAL SCHOOL CALCULATOR RESULT (MORE ACCURATE) —' }}

{{ t('npc_opt2_title') || 'Option 2: Exact Net Price from School Website' }}

{{ (t('npc_open_calc_btn') || 'Open {school} Calculator').replace('{school}', (warpCollegesList[0] || warpForm.college)?.name || 'College') }} →

{{ t('npc_enter_remaining_label') || 'Enter Official "Total Remaining Cost" (Per Year):' }} {{ t('npc_enter_remaining_sub') || 'From your official results sheet' }}

{{ t('npc_breakdown_title') || 'Computed True Award Breakdown' }} {{ t('npc_100_accurate') || '100% Institution-Accurate' }}

{{ t('npc_step1_coa') || '1. Total Cost (COA)' }} ${{ num(getManualNpcBreakdown(warpCollegesList[0] || warpForm.college).totalCoa, 0) }}/yr

{{ t('npc_step2_remaining') || '2. Total Remaining Cost' }} ${{ num(getManualNpcBreakdown(warpCollegesList[0] || warpForm.college).enteredRemainingCost, 0) }}/yr

{{ t('npc_step3_net_price') || '3. More Accurate Net Price' }} ${{ num(getManualNpcBreakdown(warpCollegesList[0] || warpForm.college).accurateNetPrice, 0) }}/yr {{ t('npc_self_help_note') || '(Includes $5.5k loans + $3k work-study)' }}

{{ t('npc_step4_gift_aid') || '4. Calculated Total Gift Aid' }} -${{ num(getManualNpcBreakdown(warpCollegesList[0] || warpForm.college).accurateGiftAid, 0) }}/yr {{ t('npc_coa_minus_net') || 'COA minus Net Price' }}

{{ t('warp_gross_ed_cost') }} ${{ num(getWarpGrossEdCost(), 0) }}

{{ t('warp_grants_support') }} -${{ num(Number(warpForm.grants || 0) + Number(warpForm.family_support || 0), 0) }}

{{ t('warp_net_loan_req') }} ${{ num(getWarpLiveDebt(), 0) }}

{{ t('warp_grants_slider') }} ${{ num(warpForm.grants, 0) }}

{{ t('warp_family_slider') }} ${{ num(warpForm.family_support, 0) }}

3 {{ t('warp_step3_title') }} *

{{ (warpRes.career && warpRes.career.title) ? warpRes.career.title : (warpForm.career ? warpForm.career.title : 'Career Goal') }} • {{ warpRes.state_id || warpForm.state_id || 'TX' }}

{{ t('tm_year_prefix') || 'Yr' }} {{ (warpYearIndex || 0) + 1 }} ({{ t('tm_age_prefix') || 'Age' }} {{ (warpRes?.timeline?.[warpYearIndex || 0]?.age || 18) }})

1 50

Trajectory Modules Active

{{ snapshotLens !== 'standard' ? (t('snapshot_nw_fire') || 'F.I.R.E. NW (67):') : (t('snapshot_nw_std') || 'Work 67 NW:') }} ${{ num(snapshotLens !== 'standard' ? getFireNwAt67(warpRes) : warpRes.final_nw, 0) }}

{{ t('snapshot_buying_power') || 'Buying Power:' }} ${{ num(snapshotLens !== 'standard' ? Math.round(getFireNwAt67(warpRes) / Math.pow(1.025, Math.max(1, 67 - (warpRes.effective_start_age || 18)))) : warpRes.real_purchasing_power, 0) }}

{{ t('tm_year_prefix') || 'Year' }} 1 ({{ t('tm_age_prefix') || 'Age' }} {{ warpRes?.timeline?.[0]?.age || 18 }}) {{ getWarpCurrentYearLabel() }} {{ t('tm_year_prefix') || 'Year' }} 50 ({{ t('tm_age_prefix') || 'Age' }} 67)

{{ t('warp_spending_alloc') }} {{ t('warp_total_outflow') }} ${{ num(getWarpItemizedTotalExpenses(warpYearIndex || 0), 0) }}/mo

${{ num(warpRes.timeline[warpYearIndex || 0].monthly_housing, 0) }}/mo

{{ (warpYearIndex || 0) <= 5 ? (t('warp_housing_type_rent') || 'HUD 1BR Rent') : ((warpYearIndex || 0) > 35 ? 'Paid Off: Tax Only' : (t('warp_housing_type_mortgage') || 'Mortgage + Tax')) }}

${{ num(getWarpItemizedFood(warpYearIndex || 0), 0) }}/mo

${{ num(getWarpItemizedTransport(warpYearIndex || 0), 0) }}/mo

${{ num(getWarpItemizedHealth(warpYearIndex || 0), 0) }}/mo

${{ num(getWarpItemizedUtilities(warpYearIndex || 0), 0) }}/mo

${{ num(warpRes.timeline[warpYearIndex || 0].monthly_loan || 0, 0) }}/mo

{{ Number(warpRes.timeline[warpYearIndex || 0].monthly_loan || 0) > 0 ? warpRes.loan_term + '-Yr Plan' : (t('warp_badge_debt_free') || 'Debt-Free') }}

{{ t('warp_takehome_label') }} ${{ num((warpRes.timeline[warpYearIndex || 0].gross_income - warpRes.timeline[warpYearIndex || 0].monthly_tax * 12) / 12, 0) }}/mo {{ t('warp_student_enrollment') }}

{{ t('warp_bills_label') }} {{ warpRes.timeline[warpYearIndex || 0].in_school ? t('warp_paid_via_finaid') : '-$' + num(getWarpItemizedTotalExpenses(warpYearIndex || 0), 0) + '/mo' }}

{{ t('warp_leftover_label') }} {{ warpRes.timeline[warpYearIndex || 0].leftover_cash >= 0 ? '+' : '-' }}${{ num(Math.abs(warpRes.timeline[warpYearIndex || 0].leftover_cash), 0) }}/mo {{ t('warp_zero_out_of_pocket') }}

{{ t('warp_active_term_lbl') || 'Active Term' }} {{ warpForm.loan_term || warpRes.loan_term || 10 }} Years

{{ t('warp_mo_loan_pmt') }} ${{ num(getWarpSimulatorPmt(), 0) }}/mo Mandatory bank payment

{{ t('warp_total_int_paid') }} +${{ num(getWarpSimulatorInterest(), 0) }} {{ (warpForm.loan_term || 10) > 10 ? '+$' + num(Math.max(0, getWarpSimulatorInterest() - (warpRes.loan_comparison?.term_10?.total_interest || 10800)), 0) + ' extra interest!' : 'Saves unrecoverable interest' }}

{{ t('warp_total_outlay') }} ${{ num(getWarpSimulatorTotal(), 0) }} Principal + Bank Interest

{{ t('warp_illusion_title') }}

{{ t('warp_reality_index') || '50-Year Reality Index' }} Work to 67 Track

{{ localizeJobTitle((warpRes.career && (warpRes.career.displayTitle || warpRes.career.title)) ? (warpRes.career.displayTitle || warpRes.career.title) : (warpForm.career ? (warpForm.career.displayTitle || warpForm.career.title) : 'Career Goal')) }}

{{ (t('warp_reality_desc') || 'Our actuarial engine computed your wage trajectory, living overhead, and compounding across 50 career years in {state} based on working until Age 67.').replace('{state}', warpRes.state_id) }}

${{ num(warpRes.final_nw, 0) }}

{{ t('warp_todays_value') || "Today's Value:" }} ${{ num(warpRes.real_purchasing_power, 0) }}

{{ t('warp_golden_law') }} {{ t('warp_wealth_law_title') }}

💵 {{ t('warp_actual_future') }}

${{ num(warpRes.final_nw, 0) }}

⇋

🕶️ {{ t('warp_today_buying_power') }}

${{ num(warpRes.real_purchasing_power, 0) }}

💡 {{ t('warp_how_to_read') }}

{{ t('warp_fire_title') }} Age {{ warpRes.fire_age }}

{{ t('warp_track1_title') }} {{ warpRes.fire_age }} Work-Free

${{ num(getFireNwAt67(warpRes), 0) }} {{ t('warp_track1_sub') }}

{{ t('warp_today_buying_power') }}: ${{ num(Math.round(getFireNwAt67(warpRes) / Math.pow(1.025, Math.max(1, 67 - (warpRes.effective_start_age || 18)))), 0) }}

{{ t('warp_track2_title') }} Active Labor

${{ num(warpRes.final_nw, 0) }} {{ (t('warp_track2_additional_years') || '+{years} additional years of active labor').replace('{years}', 67 - warpRes.fire_age) }}

{{ t('warp_today_buying_power') }}: ${{ num(warpRes.real_purchasing_power, 0) }}

{{ t('warp_req_nest_egg') }} ${{ num(warpRes.fire_target_nest_egg || ((warpRes.fire_annual_expenses || 48000) * 25), 0) }} {{ t('warp_nest_egg_sub') || '25x annual living expenses' }}

{{ t('warp_safe_4pct_withdr') }} ${{ num(warpRes.fire_annual_expenses || 48000, 0) }}{{ t('lbl_per_yr') || '/yr' }}

{{ t('warp_credit_sim_title') || 'Credit Simulator' }} {{ getWarpCreditTier(warpForm.credit_score || warpRes.credit_score || 720).label }}

{{ t('warp_credit_sim_sub') || 'Real-Time FICO Penalty & Wealth Impact' }}

Active FICO {{ warpForm.credit_score || warpRes.credit_score || 720 }}

{{ t('warp_credit_active_loan_rate') || 'Loan Rate' }} {{ ((warpRes.loan_rate || 0.065) * 100).toFixed(2) }}%

{{ t('warp_credit_mo_loan') || 'Monthly Loan' }} ${{ num(warpRes.initial_monthly_loan || 0, 0) }}/mo

{{ t('warp_credit_tot_interest') || 'Total Interest' }} -${{ num(warpRes.lifetime_interest || 0, 0) }}

{{ (t('warp_credit_fire_age') || 'F.I.R.E. (Age {age})').replace('{age}', warpRes.fire_age || 48) }} ${{ num(getFireNwAt67(warpRes), 0) }}

{{ t('warp_credit_work_67_nw') || 'Work to 67 NW' }} ${{ num(warpRes.final_nw || 0, 0) }}

{{ t('warp_credit_sim_expl') || 'Borrowers with Prime credit scores (740+) save over $100,000+ in interest over a 50-year period across student loans, mortgages, and vehicle financing compared to subprime borrowers.' }}

{{ t('warp_win_modal_desc') || 'Choose your next level of precision. Both modes carry over your career, education, and state seamlessly.' }}

{{ t('warp_active_profile_preserved') || 'Active Profile Preserved' }} {{ warpForm.career ? (warpForm.career.displayTitle || warpForm.career.title) : 'Target Career' }} • {{ warpForm.state_id }}

{{ t('warp_ft_card_title') || 'FastTrack Mode ⚡' }} {{ t('warp_ft_card_sub') || '3-Decade Strategic Lifecycle Model' }}

{{ t('warp_ft_card_desc') || 'FastTrack is built for students who want to rapidly test how different lifestyle standards and living arrangements shape their wealth across 3 real-world career decades.' }}

{{ t('warp_ft_bullet_1_title') || '3 Life Decades:' }} {{ t('warp_ft_bullet_1_desc') || 'Model distinct spending standards for Early Career (Yrs 1-10), Mid-Life (Yrs 11-20), and Pre-Retirement (Yrs 21-50).' }}

{{ t('warp_ft_bullet_2_title') || '6 Lifestyle Standards:' }} {{ t('warp_ft_bullet_2_desc') || 'Choose from Bootstrapper (roommates), Pragmatic Saver, Typical Local, Urban Socialite, Comfortable Homeowner, or High-Roller Executive.' }}

{{ t('warp_ft_bullet_3_title') || 'Vehicle Lifecycle:' }} {{ t('warp_ft_bullet_3_desc') || 'Models 5-6 year replacement cycles, depreciation, trade-in equity, and transportation costs.' }}

{{ t('warp_ft_bullet_4_title') || 'Interactive Time Machine:' }} {{ t('warp_ft_bullet_4_desc') || 'Scrub through all 50 years with an automated Play/Pause animation and full itemized paystubs.' }}

{{ t('warp_guided_card_title') || 'Guided Evaluation 🎯' }} {{ t('warp_guided_card_sub') || 'Full Actuarial & Comparative Workstation' }}

{{ t('warp_guided_card_desc') || 'Guided Evaluation is the flagship simulation engine. It gives you microscopic control over every financial lever and lets you compare two competing trajectories side-by-side.' }}

{{ t('warp_guided_bullet_1_title') || 'Dual-Path Comparison:' }} {{ t('warp_guided_bullet_1_desc') || 'Pit your target career against a high-school graduate baseline or second degree, computing the exact Breakeven Age.' }}

{{ t('warp_guided_bullet_2_title') || 'Progressive IRS Tax Shielding:' }} {{ t('warp_guided_bullet_2_desc') || 'Simulates federal tax brackets, state taxes, FICA, pre-tax 401(k) deductions, and employer match "free money".' }}

{{ t('warp_guided_bullet_3_title') || 'Deep Housing & Sunk Costs:' }} {{ t('warp_guided_bullet_3_desc') || 'Full 30-year amortized mortgages, down payments, PMI avoidance, property taxes, and the 1% maintenance rule.' }}

{{ t('warp_guided_bullet_4_title') || 'Optimization Lab & Decadal Audit:' }} {{ t('warp_guided_bullet_4_desc') || 'Test the "Latte Factor", house hacking, subscription purges, and automated decadal report cards.' }}

{{ t('warp_transfer_ferpa_zero_lost') || 'FERPA Compliant • Zero Data Lost on Transfer' }} {{ t('warp_transfer_state_carryover') || '100% Career & Education State Carryover' }}

{{ t('guided_step1_heading') || 'Step 1: Select Your Target Career' }}

{{ t('compare_step1_heading') || 'Crossroads: Career Configuration' }}

{{ t('guided_step1_desc') || "Let's map out your primary career goal. This sets your income ceiling and helps determine if the required education is worth it." }}

{{ t('ft_step1_desc') || "Pick a profession. We'll use this to estimate your lifetime earning potential." }}

{{ t('compare_step1_desc') || 'Define two separate career paths to pit them against each other mathematically.' }}

{{ simMode === 'targeted' || simMode === 'fasttrack' ? (t('ft_target_career_label') || 'Your Target Career') : 'Primary Trajectory (Path A)' }}

{{ t('ft_search_to_select_hint') || 'Search above or tap a popular starter to select primary path' }}

Querying occupations database...

{{ t('ft_cant_find_title') || "Can't find what you're looking for?" }}

{{ t('ft_cant_find_sub') || 'Enter a career title manually below.' }}

{{ t('ft_search_hint_prefix') || 'Search Hint:' }} {{ t('ft_search_hint_body') || 'If searching broad titles like "doctor", "engineer", or "therapist", try specific specialties or enter your exact career details below.' }}

Median Pay${{ num(x.median_wage) }}/yr (~${{ Math.round(x.median_wage/2080) }}/hr)

USA Jobs{{ num(x.total_jobs, 0) }}

Recommended Education {{ getEducationDegreeLabel(x) }}

${{ num(A.career.entry_wage, 0) }}

${{ num(A.career.median_wage, 0) }}

${{ num(A.career.exp_wage, 0) }}

💡 {{ t('warp_lifetime_sub') }} ({{ (t('warp_lifetime_equiv') || "equals ~${amt} in today's buying power").replace('${amt}', formatBigMoney(getCareerTodayGross(A.career))) }}).

${{ formatBigMoney(getCareerLifetimeGross(A.career)) }}

{{ getRequiredYears(A.career) }} Yrs

{{ t('warp_worker_demand_gauge') }} {{ getDemandInfo(A.career).score }}% • {{ getDemandInfo(A.career).status }}

{{ t('warp_ai_replacement_risk') }} {{ getAIRisk(A.career).level }} ({{ getAIRisk(A.career).exposure }})

{{ (t('ft_phase_label') || 'Phase {phase}').replace('{phase}', p) }} ({{ p === 1 ? t('ft_phase1_yrs') : (p === 2 ? t('ft_phase2_yrs') : t('ft_phase3_yrs')) }}) {{ t('ft_tier_' + ft['lifestyle_p' + p]) || ft['lifestyle_p' + p] }} {{ t('ft_status_required') }} {{ t('ft_status_locked') }}

{{ isPhaseUnlocked(p) ? getPhaseStatus(p).label : t('ft_status_locked') }}

{{ (t('ft_phase_guide_title') || 'Phase {phase} Guide:').replace('{phase}', activePhaseEdit) }} {{ t('ft_p1_guide_title') }} {{ t('ft_p2_guide_title') }} {{ t('ft_p3_guide_title') }}

{{ (t('ft_select_lifestyle_for_phase') || 'Select Lifestyle for Phase {phase}').replace('{phase}', activePhaseEdit) }}

{{ (t('ft_configuring_years') || 'Currently configuring years {years} of your career').replace('{years}', activePhaseEdit === 1 ? '1-10' : (activePhaseEdit === 2 ? '11-20' : '21-50')) }}

{{ t('ft_tier_comfortable_desc') }} (${{ num(getStateData(ft.state).median_home_value, 0) }} median price in {{ft.state}})

{{ t('ft_tier_luxury_desc') }} (${{ num(getStateData(ft.state).median_home_value * 2.0, 0) }} value in {{ft.state}})

{{ t('guided_base_card_title') || 'Comparative Baseline (Path B)' }}

{{ t('guided_base_active_title') || 'High School Graduate Baseline (Active)' }}

$35,000/yr

Querying occupations database...

Can't find what you're looking for?

Enter a career title manually below.

Search Hint: If searching broad titles like "doctor", "engineer", or "therapist", try specific specialties (e.g. "pediatrician", "cardiologist", "mechanical engineer") or enter your exact career details below.

Median Pay${{ num(x.median_wage) }}/yr

USA Jobs{{ num(x.total_jobs, 0) }}

Recommended Education {{ getEducationDegreeLabel(x) }}

View Career Details

Starting Pay (Yr 1)

${{ num(B.career.entry_wage, 0) }}

Median Pay

${{ num(B.career.median_wage, 0) }}

Peak Pay

${{ num(B.career.exp_wage, 0) }}

💡 {{ t('warp_lifetime_sub') }} ({{ (t('warp_lifetime_equiv') || "equals ~${amt} in today's buying power").replace('${amt}', formatBigMoney(getCareerTodayGross(B.career))) }}).

${{ formatBigMoney(getCareerLifetimeGross(B.career)) }}

Est. Req. Education

{{ getRequiredYears(B.career) }} Yrs

Daily Env.

Stress

Worker Demand & Shortage Gauge {{ getDemandInfo(B.career).score }}% • {{ getDemandInfo(B.career).status }}

AI/Automation replacement risk {{ getAIRisk(B.career).level }} ({{ getAIRisk(B.career).exposure }})

High School Graduate Baseline

If left blank, Path B will simulate entering the workforce directly at age 18 with no specialized degree.

0 Debt / +4 Working Years Advantage

{{ t('guided_step2_heading') || 'Step 2: Educational Investment' }}

{{ t('compare_step2_heading') || 'Crossroads: Education Setup' }}

{{ t('guided_step2_desc') || 'Search for the educational institution you plan to attend. We will accurately calculate the required student loans and weigh them against your future salary.' }}

{{ t('ft_step2_desc') || 'Add an educational institution to factor in student loan debt.' }}

{{ t('compare_step2_desc') || 'Not all debt is "good debt". Add tuitions carefully for both paths.' }}

Value Discovery

Your selected school charges over $25,000/yr. Below are alternative institutions that offer statistically similar Alumni median salaries, but at a fraction of the upfront debt.

{{ alt.state }} | Alumni: ${{ num(alt.median_earn) }}/yr

${{ num(alt.tuition_in) }}/yr

{{ (t('ft_degree_req_sub') || 'Your career requires {years} years of school.').replace('{years}', getRequiredYears(A.career)) }}

{{ totalYears(A) }} / {{ getRequiredYears(A.career) }} Yrs

{{ totalYears(A) >= getRequiredYears(A.career) ? (t('ft_years_complete') || 'Requirement Met') : (t('ft_years_missing') || 'Missing Years') }}

{{ t('ft_multi_school_protip') || 'Pro-Tip: You can select more than one educational institution to stack multiple degrees, community college transfers, or graduate paths.' }}

{{ t('ft_in_state_tuition') || 'In-State Tuition' }} ${{ num(x.tuition_in) }}/yr

Grants / Scholarships Free money (Total)

Family Support / Gifts Direct cash help (Total)

Books & Supplies Include annual text costs?

Books omitted.

Federal Loan Plan * Income-Driven limits monthly payments.

Loan APR {{ A.config.rate }}%

Duration (Yrs)

Extended Schooling Risk Takes 6 yrs for a 4-yr degree?

Adds 2 years of tuition debt & delays career start by 2 years.

Querying educational database...

School not found?

Add a custom institution manually.

Over-Education / Unnecessary Debt Warning Your chosen career path ({{ A.career.title }}) typically does not require a college degree. Simulating college tuition will introduce up to ${{ num(getTotalTuition(A)) }} in unnecessary student loan debt, which may depress your lifetime net worth compared to entering the workforce directly.

{{ (t('guided_multi_school_summary') || 'Aggregated Multi-School Summary ({count} Schools)').replace('{count}', A.college.length) }}

{{ t('guided_combined_tuition') || 'Combined Tuition' }} ${{ num(A.college.reduce((sum, c) => sum + (((c.out_state && c.tuition_out) ? Number(c.tuition_out) : Number(c.tuition_in) || 0) * (c.years || 4)), 0)) }}

{{ t('guided_combined_rb') || 'Combined Room & Board' }} ${{ num(A.college.reduce((sum, c) => sum + (getHousingCost(c) * (c.years || 4)), 0)) }}

{{ getDER(c, c.out_state) }}x

{{ c.city ? c.city + ', ' : '' }}{{ c.state }} {{ num(c.size, 0) }} Students

${{ num(c.median_earn, 0) }}/yr

${{ num(getTuitionPrice(c), 0) }}/yr

{{ t('ft_housing_plan_label') || 'Housing Plan' }} *

{{ t('ft_years_attending_label') || 'Years Attending' }} *

{{ t('ft_out_of_state_label') || 'Out-of-State Pricing' }} {{ t('ft_out_of_state_sub') || 'Apply non-resident tuition rates.' }}

{{ t('ft_total_gross_cost') || 'Est. Total Gross Cost (Tuition + R&B)' }} ${{ num((getTuitionPrice(c) + getHousingCost(c)) * (c.years || 4), 0) }}

{{ t('npc_engine_heading') || 'School Net Price vs. Sticker Price Award Letter' }}

{{ A.college[0]?.name || (t('npc_target_school') || 'Target Institution') }}

{{ t('npc_banner_warning') || "⚠️ Don't Pay Full Sticker Price!" }} {{ t('npc_banner_save_thousands') || 'Save Thousands' }}

Over 85% of students receive grants and scholarships. Tap here to estimate your net cost or enter official school aid!

{{ t('npc_config_title') || 'Configure Financial Aid Award & Net Price' }}

{{ t('npc_opt1_title') || 'Option 1: Automated IPEDS & Merit Model' }} {{ t('npc_opt1_sub') || 'Statistical Estimate' }}

{{ t('npc_opt1_gpa_label') || 'Cumulative High School GPA:' }} {{ t('npc_opt1_gpa_sub') || 'Configures merit-based institutional scholarship awards' }}

{{ studentGpa.toFixed(1) }} GPA

{{ t('npc_total_coa') || 'Total Cost (COA)' }} ${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).totalCoa, 0) }}/yr

{{ t('npc_total_gift_aid') || 'Total Gift Aid' }} -${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).totalGiftAid, 0) }}/yr

{{ t('npc_est_net_price') || 'Estimated Net Price' }} ${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).netPrice, 0) }}/yr

{{ t('npc_direct_indirect_title') || 'Direct & Indirect Costs' }}

{{ t('npc_tuition_fees') || 'Tuition & Fees:' }} ${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).tuitionAndFees, 0) }}

{{ t('npc_housing_meals') || 'Housing & Meals:' }} ${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).housingAndMeals, 0) }}

{{ t('npc_books_personal') || 'Books & Personal:' }} ${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).indirectCosts, 0) }}

{{ t('npc_merit_award') || 'Merit Scholarship:' }} -${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).meritAward, 0) }}

{{ t('npc_pell_grant') || 'Federal Pell Grant:' }} -${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).pellGrant, 0) }}

{{ t('npc_seog_grant') || 'SEOG & Need Grant:' }} -${{ num(getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).seogGrant + getSchoolFinancialAidBreakdown(A.college[0], A.config.family_income_bracket || '0-30000', studentGpa).instNeedAward, 0) }}

{{ t('npc_or_divider') || '— OR ENTER OFFICIAL SCHOOL CALCULATOR RESULT (MORE ACCURATE) —' }}

{{ t('npc_opt2_title') || 'Option 2: Exact Net Price from School Website' }}

{{ (t('npc_open_calc_btn') || 'Open {school} Calculator').replace('{school}', A.college[0]?.name || 'College') }} →

{{ t('npc_enter_remaining_label') || 'Enter Official "Total Remaining Cost" (Per Year):' }} {{ t('npc_enter_remaining_sub') || 'From your official results sheet' }}

{{ t('npc_breakdown_title') || 'Computed True Award Breakdown' }} {{ t('npc_100_accurate') || '100% Institution-Accurate' }}

{{ t('npc_step1_coa') || '1. Total Cost (COA)' }} ${{ num(getManualNpcBreakdown(A.college[0], 'A').totalCoa, 0) }}/yr

{{ t('npc_step2_remaining') || '2. Total Remaining Cost' }} ${{ num(getManualNpcBreakdown(A.college[0], 'A').enteredRemainingCost, 0) }}/yr

{{ t('npc_step3_net_price') || '3. Net Price' }} ${{ num(getManualNpcBreakdown(A.college[0], 'A').accurateNetPrice, 0) }}/yr

{{ t('npc_step4_gift_aid') || '4. Calculated Gift Aid' }} -${{ num(getManualNpcBreakdown(A.college[0], 'A').accurateGiftAid, 0) }}/yr

Total Loan Principal

All Tuitions + Books minus Grants

${{ num(Math.max(0, getTotalTuition(A) + (A.config.include_books ? A.config.books_cost * totalYears(A) : 0) - A.config.grants - A.config.family_support)) }}

{{ t('guided_books_omitted') || 'Books omitted from calculation.' }}

{{ t('guided_loan_plan_card_title') || 'Federal Loan Plan' }} * {{ t('guided_loan_plan_card_sub') }}

{{ t('guided_loan_apr_label') || 'Loan APR' }} {{ A.config.rate }}%

${{ num(Math.max(0, getTotalTuition(A) + (A.config.include_books ? A.config.books_cost * totalYears(A) : 0) - A.config.grants - A.config.family_support)) }}

{{ t('guided_debt_desc') || 'Your accumulated loans upon graduation. This principal will accrue interest and act as a cash flow anchor early in your career.' }}

{{ t('guided_debt_empty_desc') || 'Select an educational institution for Path A to calculate debt.' }}

Degree Requirement

Your career requires {{ getRequiredYears(B.career) }} years of school.

{{ totalYears(B) }} / {{ getRequiredYears(B.career) }} Yrs

{{ totalYears(B) >= getRequiredYears(B.career) ? 'Requirement Met' : 'Missing Years' }}

Pro-Tip: You can select more than one educational institution to stack multiple degrees, community college transfers, or graduate paths.

In-State Tuition ${{ num(x.tuition_in) }}/yr

Grants / Scholarships Free money (Total)

Family Support / Gifts Direct cash help (Total)

Books & Supplies Include annual text costs?

Books omitted.

Federal Loan Plan * Income-Driven limits monthly payments.

Loan APR {{ B.config.rate }}%

Duration (Yrs)

Extended Schooling Risk Takes 6 yrs for a 4-yr degree?

Adds 2 years of tuition debt & delays career start by 2 years.

Querying educational database...

School not found?

Add a custom institution manually.

Direct to Workforce

If left blank, this path assumes ZERO educational debt, giving a massive head start in wealth building.

Aggregated Multi-School Summary ({{ B.college.length }} Schools)

Combined Tuition ${{ num(B.college.reduce((sum, c) => sum + (((c.out_state && c.tuition_out) ? Number(c.tuition_out) : Number(c.tuition_in) || 0) * (c.years || 4)), 0)) }}

Combined Room & Board ${{ num(B.college.reduce((sum, c) => sum + (getHousingCost(c) * (c.years || 4)), 0)) }}

ROI Score

Debt-to-Earnings

{{ getDER(c, c.out_state) }}x

{{ c.city ? c.city + ', ' : '' }}{{ c.state }} {{ num(c.size, 0) }} Students {{ c.type === 1 ? 'Public' : (c.type === 2 ? 'Private Non-Profit' : (c.type === 3 ? 'For-Profit' : 'Institution')) }}

Visit Official Website

Alumni Median Salary

${{ num(c.median_earn, 0) }}/yr

Base Tuition Rate

${{ num(getTuitionPrice(c), 0) }}/yr

Housing Plan *

On Campus

~$15k/yr

Off Campus

~$10k/yr

At Home

$0/yr

Years Attending *

Out-of-State Pricing Apply non-resident tuition rates.

Est. Total Gross Cost (Tuition + R&B) ${{ num((getTuitionPrice(c) + getHousingCost(c)) * (c.years || 4), 0) }}

{{ t('npc_engine_heading') || 'School Net Price vs. Sticker Price Award Letter' }}

{{ B.college[0]?.name || (t('npc_target_school') || 'Target Institution') }}

{{ t('npc_banner_warning') || "⚠️ Don't Pay Full Sticker Price!" }} {{ t('npc_banner_save_thousands') || 'Save Thousands' }}

Over 85% of students receive grants and scholarships. Tap here to estimate your net cost or enter official school aid!

{{ t('npc_config_title') || 'Configure Financial Aid Award & Net Price' }}

{{ t('npc_opt1_title') || 'Option 1: Automated IPEDS & Merit Model' }} {{ t('npc_opt1_sub') || 'Statistical Estimate' }}

{{ t('npc_opt1_gpa_label') || 'Cumulative High School GPA:' }} {{ t('npc_opt1_gpa_sub') || 'Configures merit-based institutional scholarship awards' }}

{{ studentGpa.toFixed(1) }} GPA

{{ t('npc_total_coa') || 'Total Cost (COA)' }} ${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).totalCoa, 0) }}/yr

{{ t('npc_total_gift_aid') || 'Total Gift Aid' }} -${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).totalGiftAid, 0) }}/yr

{{ t('npc_est_net_price') || 'Estimated Net Price' }} ${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).netPrice, 0) }}/yr

{{ t('npc_direct_indirect_title') || 'Direct & Indirect Costs' }}

{{ t('npc_tuition_fees') || 'Tuition & Fees:' }} ${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).tuitionAndFees, 0) }}

{{ t('npc_housing_meals') || 'Housing & Meals:' }} ${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).housingAndMeals, 0) }}

{{ t('npc_books_personal') || 'Books & Personal:' }} ${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).indirectCosts, 0) }}

{{ t('npc_merit_award') || 'Merit Scholarship:' }} -${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).meritAward, 0) }}

{{ t('npc_pell_grant') || 'Federal Pell Grant:' }} -${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).pellGrant, 0) }}

{{ t('npc_seog_grant') || 'SEOG & Need Grant:' }} -${{ num(getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).seogGrant + getSchoolFinancialAidBreakdown(B.college[0], B.config.family_income_bracket || '0-30000', studentGpa).instNeedAward, 0) }}

{{ t('npc_or_divider') || '— OR ENTER OFFICIAL SCHOOL CALCULATOR RESULT (MORE ACCURATE) —' }}

{{ t('npc_opt2_title') || 'Option 2: Exact Net Price from School Website' }}

{{ (t('npc_open_calc_btn') || 'Open {school} Calculator').replace('{school}', B.college[0]?.name || 'College') }} →

{{ t('npc_enter_remaining_label') || 'Enter Official "Total Remaining Cost" (Per Year):' }} {{ t('npc_enter_remaining_sub') || 'From your official results sheet' }}

{{ t('npc_breakdown_title') || 'Computed True Award Breakdown' }} {{ t('npc_100_accurate') || '100% Institution-Accurate' }}

{{ t('npc_step1_coa') || '1. Total Cost (COA)' }} ${{ num(getManualNpcBreakdown(B.college[0], 'B').totalCoa, 0) }}/yr

{{ t('npc_step2_remaining') || '2. Total Remaining Cost' }} ${{ num(getManualNpcBreakdown(B.college[0], 'B').enteredRemainingCost, 0) }}/yr

{{ t('npc_step3_net_price') || '3. Net Price' }} ${{ num(getManualNpcBreakdown(B.college[0], 'B').accurateNetPrice, 0) }}/yr

{{ t('npc_step4_gift_aid') || '4. Calculated Gift Aid' }} -${{ num(getManualNpcBreakdown(B.college[0], 'B').accurateGiftAid, 0) }}/yr

Net Education Debt

Tuitions + Books minus Grants

${{ num(Math.max(0, getTotalTuition(B) + (B.config.include_books ? B.config.books_cost * totalYears(B) : 0) - B.config.grants - B.config.family_support)) }}

{{ t('ft_debt_funding_desc') || 'Offset your tuition with capital injections to reduce your debt burden.' }}

{{ t('ft_grants_title') || 'Grants & Scholarships' }} {{ t('ft_grants_sub') || 'Free money awarded over the entire duration.' }}

${{ num(ft.grants) }}

{{ t('ft_family_title') || 'Family Contribution' }} {{ t('ft_family_sub') || 'Out-of-pocket cash from savings or 529 plans.' }}

${{ num(ft.family_support) }}

{{ t('ft_loan_plan_title') || 'Federal Repayment Strategy' }} * {{ t('ft_loan_plan_sub') || 'Income-Driven limits your monthly payment to a percentage of discretionary income.' }}

{{ t('ft_loan_apr_label') || 'Loan APR' }} {{ A.config.rate }}%

{{ t('ft_est_debt_acc_title') || 'Estimated Debt Accumulation' }}

{{ t('ft_gross_edu_cost') || 'Total Gross Education Cost' }} ${{ num(getTotalTuition(A) + (ft.include_books ? (ft.books_cost * totalYears(A)) : 0)) }}

{{ t('ft_minus_grants') || 'Minus Grants / Support' }} -${{ num(Number(ft.grants || A.config.grants || 0) + Number(ft.family_support || A.config.family_support || 0)) }}

{{ t('ft_net_loan_principal') || 'Net Loan Principal' }} ${{ num(Math.max(0, getTotalTuition(A) + (ft.include_books ? (ft.books_cost * totalYears(A)) : 0) - Number(ft.grants || A.config.grants || 0) - Number(ft.family_support || A.config.family_support || 0))) }}

Standard {{ A.config.term }}-Yr @ {{ A.config.rate }}% APR SAVE Plan (Undergrad) SAVE Plan (Grad) PAYE/IBR Plan Public Service (PSLF) Custom Amortization

${{ num(getEstimatedInitialPayment(), 0) }}/mo

{{ t('ft_debt_free_grad_sub') || 'You will enter the workforce with maximum cash flow.' }}

FASTTRACK MATRIX • 50-YR DECADES

Simulating career compensation in {{ ft.state || 'Local Market' }} across phase lifestyles: {{ ft.lifestyle_p1 || 'Typical' }} → {{ ft.lifestyle_p2 || 'Typical' }} → {{ ft.lifestyle_p3 || 'Typical' }}.

Phase Synthesis {{ loadingProgress }}%

Telemetry Stream • Math Core Active

> {{ log }}

FastTrack 60s Model FERPA SECURE

{{ localizeJobTitle(ftRes.source_career ? ftRes.source_career.title : 'FastTrack Trajectory') }} • {{ ftRes.state || 'National' }}

{{ t('tm_year_prefix') || 'Yr' }} {{ (ftYearIndex || 0) + 1 }} ({{ t('tm_age_prefix') || 'Age' }} {{ (ftRes?.timeline?.[ftYearIndex || 0]?.age || 18) }})

1 50

{{ t('ft_results_heading') || 'FastTrack Modules' }} Active

{{ t('snapshot_buying_power') || 'Buying Power:' }} ${{ num(snapshotLens !== 'standard' ? Math.round(getFireNwAt67(ftRes) / Math.pow(1.025, Math.max(1, 67 - (ftRes.effective_start_age || 18)))) : ftRes.real_purchasing_power, 0) }}

{{ (t('ft_yr_trajectory') || 'Year {year} Trajectory').replace('{year}', ftYearIndex + 1) }}

{{ ftRes.timeline[ftYearIndex].in_school ? (t('ft_in_school_bills_status') || 'Student Loans & Financial Aid Paying Bills') : (ftRes.timeline[ftYearIndex].leftover_cash >= 0 ? t('ft_status_sustainable') : t('ft_status_deficit')) }}

{{ ftRes.timeline[ftYearIndex].in_school ? (t('ft_out_of_pocket_living_lbl') || 'Out-Of-Pocket Living Obligation') : t('ft_monthly_fcf') }}

{{ ftRes.timeline[ftYearIndex].in_school ? (t('ft_financed_margin_label') || 'Education Financing Status') : (t('ft_survival_margin') || 'Survival Margin') }} {{ ftRes.timeline[ftYearIndex].in_school ? (t('ft_100_financed_status') || '100% Financed by Loans / Aid') : ((Math.abs(ftRes.timeline[ftYearIndex].leftover_cash) / Math.max(1, ftRes.timeline[ftYearIndex].monthly_net) * 100).toFixed(1) + '% ' + (ftRes.timeline[ftYearIndex].leftover_cash >= 0 ? 'Surplus' : 'Deficit Drag')) }}

{{ t('tm_year_prefix') || 'Year' }} 1 ({{ t('tm_age_prefix') || 'Age' }} {{ ftRes?.timeline?.[0]?.age || 18 }})

{{ t('tm_year_prefix') || 'Year' }} 50 ({{ t('tm_age_prefix') || 'Age' }} 67)

${{ num(ftRes.timeline[ftYearIndex].rent, 0) }}/mo

${{ num(ftRes.timeline[ftYearIndex].food, 0) }}/mo

Groceries

${{ num(ftRes.timeline[ftYearIndex].transport, 0) }}/mo

Transit & Fuel

${{ num(ftRes.timeline[ftYearIndex].insurance, 0) }}/mo

Health Ins.

${{ num(ftRes.timeline[ftYearIndex].vacation_monthly, 0) }}/mo

Wants

{{ ftRes.timeline[ftYearIndex].in_school ? (t('ft_edu_loans_lbl') || 'Education Loans') : (t('ft_bills_student_loan') || 'Student Loan') }}

{{ ftRes.timeline[ftYearIndex].in_school ? (t('ft_loans_paying_bills') || 'Loans Paying Bills') : (Number(ftRes.timeline[ftYearIndex].monthly_loan || 0) > 0 ? (t('ft_badge_active_loan') || 'Active Loan') : (t('ft_badge_debt_free') || 'Debt-Free')) }}

{{ t('ft_bills_takehome_label') }} ${{ num(ftRes.timeline[ftYearIndex].monthly_net - ftRes.timeline[ftYearIndex].monthly_loan, 0) }}/mo {{ t('ft_student_enrollment_salary') || 'Student Enrollment ($0 Job Salary)' }}

{{ t('ft_bills_bills_label') }} {{ ftRes.timeline[ftYearIndex].in_school ? (t('ft_paid_via_loans_aid') || 'Paid via Student Loans / Aid') : '-$' + num(ftRes.timeline[ftYearIndex].monthly_expenses, 0) + '/mo' }}

{{ t('ft_bills_leftover_label') }} {{ ftRes.timeline[ftYearIndex].leftover_cash >= 0 ? '+' : '-' }}${{ num(Math.abs(ftRes.timeline[ftYearIndex].leftover_cash), 0) }}/mo {{ t('ft_zero_out_of_pocket') || '$0 Out-of-Pocket (Financed)' }}

{{ (t('ft_detailed_bills_title') || 'Detailed Monthly Bills Breakdown (Year {year})').replace('{year}', (ftYearIndex || 0) + 1) }}

{{ (t('ft_bills_in_school_note') || '🎓 Student Loan Financing Active: During this school year, your tuition (${tuition}/yr) and room & board (${rent}/mo) are being funded by student loans and financial aid rather than a job paycheck. These disbursements accumulate into your starting loan principal.').replace('${tuition}', num(ftRes.timeline[ftYearIndex].yearly_tuition, 0)).replace('${rent}', num(ftRes.timeline[ftYearIndex].rent, 0)) }}

{{ t('ft_bills_rent_pi') || 'Rent / P&I:' }} ${{ num(ftRes.timeline[ftYearIndex].rent, 0) }}

{{ t('ft_bills_ins') || 'Renter/Home Ins:' }} ${{ num(25 * (ftRes.timeline[ftYearIndex].infl_multiplier || 1), 0) }}

{{ t('ft_bills_total_housing') || 'Total Housing:' }} ${{ num(ftRes.timeline[ftYearIndex].rent + (25 * (ftRes.timeline[ftYearIndex].infl_multiplier || 1)), 0) }}/mo

{{ t('ft_bills_food_groceries') || 'Groceries & Food:' }} ${{ num(ftRes.timeline[ftYearIndex].food, 0) }}

{{ t('ft_bills_commute_transit') || 'Commute & Transit:' }} ${{ num(ftRes.timeline[ftYearIndex].transport, 0) }}

{{ t('ft_bills_health_care') || 'Health Insurance & Care:' }} ${{ num(ftRes.timeline[ftYearIndex].insurance, 0) }}

{{ t('ft_bills_total_living') || 'Total Living:' }} ${{ num(ftRes.timeline[ftYearIndex].food + ftRes.timeline[ftYearIndex].transport + ftRes.timeline[ftYearIndex].insurance, 0) }}/mo

{{ t('ft_bills_student_loan') || 'Student Loan:' }} ${{ num(ftRes.timeline[ftYearIndex].monthly_loan || 0, 0) }}

{{ t('ft_bills_vacations_wants') || 'Vacations & Wants:' }} ${{ num(ftRes.timeline[ftYearIndex].vacation_monthly || 0, 0) }}

{{ t('ft_bills_total_debt_wants') || 'Total Debt & Wants:' }} ${{ num((ftRes.timeline[ftYearIndex].monthly_loan || 0) + (ftRes.timeline[ftYearIndex].vacation_monthly || 0), 0) }}/mo

{{ t('warp_compare_repay_terms') || 'Compare Repayment Durations' }}

{{ t('warp_active_term_lbl') || 'Active Term' }} {{ ftLoanTerm || ftRes.loan_term || 10 }} Years

{{ t('warp_fast_payoff_least_int') || 'Fast Payoff (Least Interest)' }} {{ t('warp_max_interest_lowest_mo') || 'Lowest Monthly Bill (Most Interest)' }}

{{ t('warp_mo_loan_pmt') || 'Monthly Loan Payment' }} ${{ num(getFtSimulatorPmt(), 0) }}/mo Mandatory bank payment

{{ t('warp_total_int_paid') || 'Total Interest Paid' }} +${{ num(getFtSimulatorInterest(), 0) }} {{ (ftLoanTerm || 10) > 10 ? '+$' + num(Math.max(0, getFtSimulatorInterest() - ((ftRes.student_debt || 0) * 0.35)), 0) + ' extra interest!' : 'Saves unrecoverable interest' }}

{{ t('warp_total_outlay') || 'Total Student Loan Outlay' }} ${{ num(getFtSimulatorTotal(), 0) }} Principal + Bank Interest

{{ t('warp_illusion_title') || 'The Monthly Payment Illusion' }}

{{ t('warp_illusion_body1') || 'Extending loan repayment to 20 or 30 years lowers your initial monthly bill, but can easily cost double or triple your original loan in interest!' }}

{{ t('ft_law_badge') }} • {{ t('ft_law_sub') }}

{{ t('ft_sp500_engine_badge') || '📈 S&P 500 Index Compounding Engine' }}

{{ t('ft_cagr_slider_title') || 'Interactive Market Return (CAGR) Lever' }}

{{ t('ft_cagr_slider_sub') || 'Simulate how small variations in compound interest drastically scale your retirement nest egg' }}

{{ t('ft_cagr_metric_lbl') || 'Compounding CAGR' }} {{ (ftMarketReturn || (ftRes.invest_rate * 100) || 7.0).toFixed(1) }}% / Year

{{ t('ft_cagr_bond_safety') || '3.0% (Bond Safety)' }} {{ t('ft_cagr_hist_real') || '7.0% (Real Historical)' }} {{ t('ft_cagr_sp500_nom') || '10.0% (S&P 500 Nominal)' }} {{ t('ft_cagr_aggressive') || '12.0% (Aggressive)' }}

{{ (t('ft_wealth_cur_title') || 'Year {year} Accumulated Wealth').replace('{year}', ftYearIndex + 1) }}

{{ (t('ft_wealth_cur_nominal') || 'Nominal Value (Year {year})').replace('{year}', ftYearIndex + 1) }} {{ formatMoney(ftRes.timeline[ftYearIndex].future_wealth, 0) }}

{{ t('ft_wealth_cur_today') }} {{ formatMoney(ftRes.timeline[ftYearIndex].real_purchasing_power, 0) }}

{{ t('ft_wealth_cur_flip_cagr') }} {{ ((ftMarketReturn ? ftMarketReturn/100 : ftRes.invest_rate) * 100).toFixed(1) }}%

{{ t('ft_wealth_cur_flip_yrs') }} {{ ftYearIndex }} Yrs

{{ t('ft_wealth_cur_flip_savings') }} ${{ num(ftRes.timeline[ftYearIndex].saved / 12) }}/mo

{{ t('ft_wealth_ret_flip_earn') }} ${{ formatBigMoney(ftRes.lifetime_earn) }}

{{ t('ft_wealth_ret_flip_tax') }} -${{ formatBigMoney(ftRes.lifetime_taxes) }}

{{ t('ft_wealth_ret_flip_growth') }} +${{ formatBigMoney(ftRes.final_nw - (ftRes.lifetime_earn - ftRes.lifetime_taxes - ftRes.lifetime_housing - ftRes.lifetime_living_sunk)) }}

-${{ formatBigMoney(ftRes.timeline[ftYearIndex].cum_taxes) }}

{{ (t('ft_rent_cost_hours') || '{hours} Hours').replace('{hours}', num(ftRes.timeline[ftYearIndex].rent_hours, 1)) }}

{{ (t('ft_rent_cost_desc') || '').replace('{year}', ftYearIndex + 1).replace('{hourly}', num(ftRes.timeline[ftYearIndex].hourly_net)).replace('{hours}', num(ftRes.timeline[ftYearIndex].rent_hours, 1)) }}

{{ t('ft_fire_rule_badge') }} {{ t('ft_fire_target_label') }} {{ ftRes.milestones?.fire ? 'Age ' + ftRes.milestones.fire : t('ft_fire_traditional') }}

{{ t('ft_track1_title') }} {{ ftRes.milestones.fire }} {{ t('ft_track1_desc') }} {{ t('ft_track1_today') }} ${{ num(Math.round(getFireNwAt67(ftRes) / Math.pow(1.025, Math.max(1, 67 - (ftRes.effective_start_age || 18)))), 0) }}

${{ num(getFireNwAt67(ftRes), 0) }}

{{ t('ft_track2_title') }} {{ (t('ft_track2_desc') || '{years} additional years of active labor').replace('{years}', 67 - ftRes.milestones.fire) }} {{ t('ft_track1_today') }} ${{ num(ftRes.real_purchasing_power, 0) }}

${{ num(ftRes.final_nw, 0) }}

{{ t('warp_credit_sim_title') || 'Credit Simulator' }} {{ getWarpCreditTier(ftCreditScore || ftRes.credit_score || 720).label }}

{{ t('warp_credit_sim_sub') || 'Real-Time FICO Penalty & Wealth Impact' }}

Active FICO {{ ftCreditScore || ftRes.credit_score || 720 }}

{{ t('warp_credit_active_loan_rate') || 'Loan Rate' }} {{ ((ftRes.loan_rate || 0.065) * 100).toFixed(2) }}%

{{ t('warp_credit_mo_loan') || 'Monthly Loan' }} ${{ num(ftRes.initial_monthly_loan || 0, 0) }}/mo

{{ t('warp_credit_tot_interest') || 'Total Interest' }} +${{ num(ftRes.interest || 0, 0) }}

{{ (t('warp_credit_fire_age') || 'F.I.R.E. (Age {age})').replace('{age}', ftRes.fire_age || 48) }} ${{ num(getFireNwAt67(ftRes), 0) }}

{{ t('warp_credit_work_67_nw') || 'Work to 67 NW' }} ${{ num(ftRes.final_nw || 0, 0) }}

{{ t('ft_car_card_title') || 'Vehicle & Transportation Lifecycle Analysis' }}

Comprehensive multi-decade modeling of vehicle depreciation, fuel economy, insurance & repairs

{{ ftRes.car_value > 0 ? (t('ft_car_every_years') || 'Every {years} Years').replace('{years}', ftRes.car_replacement_cycle || 6) : 'Transit Pass' }}

{{ t('ft_veh_modify_title') || 'Modify Vehicle Strategy:' }} {{ t('ft_veh_active_lbl') || 'Active:' }} {{ getFtVehicleStrategyLabel() }}

Vehicle Value ${{ num(ftRes.car_value || 0, 0) }}

Lifetime Purchases Outlay -${{ num(ftRes.lifetime_car_purchases || 0, 0) }}

Annual Fuel & Transit ${{ num((ftRes.timeline?.[0]?.transport || 300) * 12, 0) }}/yr

Replacement Cycle {{ ftRes.car_replacement_cycle ? ftRes.car_replacement_cycle + ' Yrs' : 'N/A' }}

{{ t('ft_veh_rules_title') || 'Mathematical Rules of Vehicle Ownership' }}

{{ (t('ft_veh_rules_p1') || 'Cars lose approximately 20% of their value in Year 1 and 60% over their first 5 years. In this 50-year simulation, our engine models trading in your vehicle every {years} years with a 25% trade-in credit toward your next vehicle.').replace('{years}', ftRes.car_replacement_cycle || 6) }}

💡 {{ t('ft_veh_rules_20_4_10') || 'The 20/4/10 Rule: When purchasing a vehicle, put down at least 20%, finance for no more than 4 years, and ensure total vehicle expenses (payment, fuel, and insurance) stay under 10% of gross monthly pay. Buying reliable used cars for cash saves over $400,000 in compound opportunity cost across 50 years!' }}

ACTUARIAL CORE • 50-YR LEDGER SYNTHESIS

Compiling dual-path matrices, BLS progressive salary steps, HUD Fair Market Rents, and F.I.R.E. early retirement thresholds across 50 years.

Trajectory Synthesis {{ loadingProgress }}%

Actuarial Stream • Live Compiling

> {{ log }}

Comprehensive Dual-Path FERPA SECURE

{{ localizeJobTitle(res.label_a) }} • {{ A.config.state_id || 'National' }}

{{ t('tm_year_prefix') || 'Yr' }} {{ (statementYear || 0) + 1 }} ({{ t('tm_age_prefix') || 'Age' }} {{ (res?.[viewPath]?.timeline?.[statementYear || 0]?.age || 18) }})

1 50

{{ t('guided_modules_title') || 'Guided Modules' }} Active

{{ t('snapshot_buying_power') || 'Buying Power:' }} ${{ num(snapshotLens !== 'standard' ? Math.round(getFireNwAt67(res[viewPath]) / Math.pow(1.025, Math.max(1, 67 - (res[viewPath]?.effective_start_age || 18)))) : (res[viewPath]?.real_purchasing_power || 0), 0) }}

Simulation Engine Failed

{{ t('guided_ledger_age_col') \|\| 'Age' }}	{{ t('guided_ledger_gross_col') \|\| 'Gross Pay (/mo)' }}	{{ t('guided_ledger_taxes_col') \|\| 'Taxes (/mo)' }}	{{ t('guided_ledger_housing_col') \|\| 'Housing (/mo)' }}	{{ t('guided_ledger_loan_col') \|\| 'Student Loan' }}	{{ t('guided_ledger_fcf_col') \|\| 'Free Cash Flow' }}	{{ t('guided_ledger_nw_col') \|\| 'Net Worth' }}	{{ t('guided_ledger_power_col') \|\| 'Buying Power' }}
Age {{ row.age }} Yr {{ row.year \|\| (row.age - 17) }}	${{ num((row.gross \|\| row.gross_income)/12, 0) }}/mo	-${{ num((row.taxes \|\| (row.monthly_tax*12))/12, 0) }}/mo	-${{ num((row.housing \|\| (row.monthly_housing*12))/12, 0) }}/mo {{ row.housing_type }}	{{ (row.monthly_loan \|\| (row.loan ? row.loan/12 : 0)) > 0 ? '-$' + num(row.monthly_loan \|\| (row.loan/12), 0) + '/mo' : '$0' }}	{{ (row.leftover_cash !== undefined ? row.leftover_cash : (row.free_cash \|\| (row.saved ? row.saved/12 : 0))) >= 0 ? '+' : '-' }}${{ num(Math.abs(row.leftover_cash !== undefined ? row.leftover_cash : (row.free_cash \|\| (row.saved ? row.saved/12 : 0))), 0) }}/mo	${{ num(row.net_worth, 0) }}	${{ num(row.real_purchasing_power, 0) }}

{{ (t('cmp_trajectories_count') || '{count} Trajectories').replace('{count}', selectedSims.length) }}

{{ t('tbl_th_metric') }}	{{ sim.name }}
{{ t('tbl_row_nw') }}	${{ num(sim.data?.final_nw \|\| 0, 0) }}
{{ t('tbl_row_power') }}	${{ num(sim.data?.real_purchasing_power \|\| 0, 0) }}
{{ t('tbl_row_debt') }}	${{ num(Number(sim.data?.debt \|\| sim.data?.student_debt \|\| 0), 0) }}
{{ t('tbl_row_outlay') }}	${{ formatBigMoney(Number(sim.data?.debt \|\| sim.data?.student_debt \|\| 0) + Number(sim.data?.interest \|\| 0)) }}
{{ t('tbl_row_fire') }}	{{ (sim.data?.milestones && sim.data?.milestones.fire) ? 'Age ' + sim.data.milestones.fire : (sim.data?.fire_age ? 'Age ' + sim.data.fire_age : 'Age 67') }}
{{ t('tbl_row_fire_nw') }}	${{ num(getFireNwAt67(sim.data), 0) }}
{{ t('tbl_row_taxes') }}	-${{ formatBigMoney(Number(sim.data?.lifetime_taxes \|\| 0)) }}
{{ t('tbl_row_interest') }}	-${{ formatBigMoney(Number(sim.data?.interest \|\| 0)) }}
{{ t('tbl_row_interest_outlay') }}	${{ formatBigMoney(Number(sim.data?.debt \|\| sim.data?.student_debt \|\| 0) + Number(sim.data?.interest \|\| 0)) }}
{{ t('tbl_row_earnings') }}	${{ formatBigMoney(Number(sim.data?.lifetime_earn \|\| 0)) }}

{{ modeTransitionSplash.title }}

Password Recovery

Two-Factor Authentication

{{ t('hero_heading') }}

{{ t('mode_warp_title') }}

{{ t('mode_ft_title') }}

{{ t('mode_guided_title') }}

All Simulation Modes Restricted

{{ warpLoadingMessage }}

{{ t('warp_setup_heading') }}

1 {{ t('warp_step1_title') }} *

2 {{ t('warp_step2_title') }}

{{ col.name }}

{{ t('npc_engine_heading') || 'School Net Price vs. Sticker Price Award Letter' }}

3 {{ t('warp_step3_title') }} *

{{ (warpRes.career && warpRes.career.title) ? warpRes.career.title : (warpForm.career ? warpForm.career.title : 'Career Goal') }} • {{ warpRes.state_id || warpForm.state_id || 'TX' }}

{{ localizeJobTitle((warpRes.career && (warpRes.career.displayTitle || warpRes.career.title)) ? (warpRes.career.displayTitle || warpRes.career.title) : (warpForm.career ? (warpForm.career.displayTitle || warpForm.career.title) : 'Career Goal')) }}

{{ t('warp_equiv_formula') }}

{{ t('warp_fire_title') }} Age {{ warpRes.fire_age }}

{{ t('warp_credit_sim_sub') || 'Real-Time FICO Penalty & Wealth Impact' }}

{{ t('warp_win_modal_title') || 'Supercharge Your Trajectory' }}

{{ t('guided_step1_heading') || 'Step 1: Select Your Target Career' }}

{{ t('ft_step1_heading') || 'Step 1: Choose a Career Path' }}

{{ t('compare_step1_heading') || 'Crossroads: Career Configuration' }}

{{ t('ft_cant_find_title') || "Can't find what you're looking for?" }}

{{ A.career.title }}

{{ t('ft_where_live') }}

{{ t('ft_custom_lifestyle_title') }}

{{ (t('ft_phase_guide_title') || 'Phase {phase} Guide:').replace('{phase}', activePhaseEdit) }} {{ t('ft_p1_guide_title') }} {{ t('ft_p2_guide_title') }} {{ t('ft_p3_guide_title') }}

{{ t('ft_tier_bootstrapper') }}

{{ t('ft_tier_saver') }}

{{ t('ft_tier_typical') }}

{{ t('ft_tier_socialite') }}

{{ t('ft_tier_comfortable') }}

{{ t('ft_tier_luxury') }}

{{ t('guided_base_active_title') || 'High School Graduate Baseline (Active)' }}

Can't find what you're looking for?

{{ B.career.title }}

{{ t('guided_step2_heading') || 'Step 2: Educational Investment' }}

{{ t('ft_step2_heading') || 'Step 2: Education Costs' }}

{{ t('compare_step2_heading') || 'Crossroads: Education Setup' }}

Value Discovery

School not found?

{{ c.name }}

{{ t('npc_engine_heading') || 'School Net Price vs. Sticker Price Award Letter' }}

{{ t('guided_funding_box_title') || 'Funding & Debt Strategy' }}

{{ t('guided_target_edu_debt') || 'Target Education' }}

{{ t('guided_base_card_title') || 'Comparative Baseline' }}

School not found?

{{ c.name }}

{{ t('npc_engine_heading') || 'School Net Price vs. Sticker Price Award Letter' }}

{{ t('ft_capital_injections') || 'Capital Injections' }}

{{ t('ft_est_debt_acc_title') || 'Estimated Debt Accumulation' }}

{{ loadingMessage }}

{{ localizeJobTitle(ftRes.source_career ? ftRes.source_career.title : 'FastTrack Trajectory') }} • {{ ftRes.state || 'National' }}

{{ (t('ft_yr_trajectory') || 'Year {year} Trajectory').replace('{year}', ftYearIndex + 1) }}

{{ t('ft_in_school_banner_title') || 'Student Loans & Grants Are Paying Your Living Bills' }} Financial Independence Achieved (100% Work-Free) Active Career Earnings & Student Loan Servicing Debt-Free Career & Maximum Compound Acceleration

{{ t('ft_law_title') }}

{{ t('ft_cagr_slider_title') || 'Interactive Market Return (CAGR) Lever' }}

{{ (t('ft_wealth_cur_title') || 'Year {year} Accumulated Wealth').replace('{year}', ftYearIndex + 1) }}

{{ t('ft_wealth_cur_flip_title') }}

{{ t('ft_wealth_ret_title') }}

{{ t('ft_wealth_ret_flip_title') }}

{{ t('ft_bite_title') }}

{{ t('ft_rent_cost_title') }}

{{ t('ft_fire_rule_title') }}

{{ t('warp_credit_sim_sub') || 'Real-Time FICO Penalty & Wealth Impact' }}

{{ t('ft_car_card_title') || 'Vehicle & Transportation Lifecycle Analysis' }}

{{ t('ft_veh_rules_title') || 'Mathematical Rules of Vehicle Ownership' }}

{{ t('guided_step3_heading') || 'Step 3: Life & Finance Configuration' }}

{{ t('compare_step3_heading') || 'Crossroads: Environmental Variables' }}

Baseline Parameters Configuration

{{ t('guided_macro_guide_title') || 'EduPath+ Guide: The Invisible Forces' }}

{{ t('guided_config_notice_title') || 'Configuration Notice' }}

{{ t('guided_macro_subtab_title') || t('guided_tab_macro') || 'Macro-Economics' }}

{{ t('guided_life_events_title') || 'Custom Life Events' }}

{{ t('guided_housing_guide_title') || 'EduPath+ Guide: The Housing Dilemma' }}

{{ t('guided_housing_subtab_title') || t('guided_tab_housing') || 'Housing Module' }}

{{ t('guided_regional_targets') || 'Regional Targets' }}

{{ t('guided_housing_strategy') || 'Core Housing Strategy' }}