For most families, the sticker price on a college's website has almost nothing to do with what you'll actually pay. That's where two tools come in: the Cost of Attendance (COA) and the Net Price Calculator (NPC). Understanding both can turn a huge, scary number into a manageable plan. Start With the Cost of Attendance Every college publishes a COA, which includes tuition and fees, room and board, books and supplies, transportation, and personal expenses. This is the federally

The financial side of college comes with a vocabulary all its own. This A-to-Z guide walks through the terms and decisions families encounter most often, from opening a checking account to staying on track to graduate. A is for the checking account you'll want to open. If possible, choose a bank with locations near both home and campus, and make sure parents can easily transfer money when needed. This makes day-to-day spending much easier to manage. B is for budget. Create a