Estimate Your Balance

Creating an annual budget is an important process of your Cal Lutheran educational experience; it helps you understand your total costs, how your financial aid awards help cover those costs, and any remaining balance due to Cal Lutheran after your aid is credited.

If you have received your financial aid award, refer to your Award Letter for details.

Based on full-time enrollment, 12-18 units/semester
Fees $
Additional Fees
STAR Program, Music, International, etc.
Residence Hall* $
Meal Plan* $
Total Estimated Charges $

* Freshmen living in Standard Halls must choose between the 19 Meal Plan or the 210 Block Plan options. Students living Mogen, Grace or Trinity are not required to have a meal plan or may select any option.

Financial Aid
CLU Aid, Federal and State Grant Aid
Add together all scholarship and grant aid on your award letter. DO NOT include Work Opportunity.
Federal Stafford Loans**
Add together all your Stafford Loans (Subsidized and Unsubsidized.)
Gross amount

Net amount after 1.073% lender fee deducted

Federal Parent Plus Loan** $
Gross amount

Net amount after 4.292% lender fee deducted

Total Estimated Financial Aid $

** All loan application processes must be completed before the loans will credit to your account. Federal Parent Plus Loans are subject to credit approval. Federal Lending fees may change at the discretion of the U.S. Congress at any time.

Estimated Balance
Total Estimated Balance $

Divide Total Estimated Balance amount in half to get your approximate balance per semester.

Print this Estimate

About this Estimate
Important: This worksheet is not a bill. We are providing this estimating tool as a means for you and your family to investigate the different costs that may be associated with attending Cal Lutheran. Your actual charges and balance owed are determined by the Student Accounts Office and sent to you in your pre-bill once you are enrolled. In order to maximize your financial aid, it is important to make wise decisions regarding living arrangements and choice of lifestyle. While personal and transportation expenses are not included in our estimates, we recommend you consider them and budget accordingly.

Cost of Attendance
The cost of attendance for a student is an estimate of that student’s educational expenses for an academic year. The Office of Financial determines the cost of attendance by calculating average expenses for students at Cal Lutheran, rather than actual expenses. Per federal regulations, the total aid a student receives may not exceed the school’s pre-determined cost of attendance. Therefore, if you receive outside scholarships that causes your total aid to exceed your cost of attendance, we will need to reduce the amount of loans and work-study listed on your Financial Aid Award Letter. Learn more about Cost of Attendance.

Important Note
The Office of Financial Aid understands that sometimes a family’s current financial situation may be drastically different from the prior tax year as originally submitted on the Free Application for Federal Student Aid (FAFSA). In these situations, on a case-by-case basis, a review of your financial information may be warranted. Please contact your Financial Aid Counselor to discuss your situation following payment of your enrollment deposit.

If you have questions or comments about tuition and fees, please contact the Student Accounts Office.

If you have questions or comments about financial aid and cost of attendance, please contact Office of Financial Aid.


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