Tuition Repayment Risk Estimator

The calculator converts your planned leave date into elapsed time since your obligation start date (months or days, depending on the repayment rule). It then calculates an earned fraction of the benefit, and multiplies that by the tuition assistance amount to get the earned-off amount. Repayment exposure is the unpaid remainder: tuition assistance minus earned-off amount.

With prorated monthly, you earn off the benefit gradually based on elapsed months; prorated daily does the same using days. A “cliff after threshold” rule can produce a sharp jump from 0% earned to 100% earned once the threshold is reached. If your contract uses custom milestones, partial forgiveness, or special triggers, this estimator may not match it exactly.

This tool assumes repayment is driven only by time served and a single tuition benefit amount. It does not model taxes, interest, enforceability, employer waivers, negotiated departures, or repayment set-offs. Use the result as a planning estimate—not a guarantee of what you will owe.

If you leave before the obligation start date, the calculator will block results—planned leave must be on/after the start date. If your planned leave date is on or after the full repayment date (end of term), exposure floors to $0 and repayment is classified as unlikely. If you enter $0 tuition assistance, repayment exposure is also $0 regardless of timing.