SFC KINGSoutheast Missouri
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REALITY CHECK 2.0 • SFC KING

YOUR FUTURE.
YOUR NUMBERS.
YOUR PLAN.

This is not just a college-cost calculator anymore. Build the school plan, connect it to a real career, see the debt, build the monthly life, then compare what changes when a Missouri Army National Guard path is added.

Start My Reality CheckPresentation Mode
No commitment. No contact info required to use the tools. Planning estimates only.
01School + training cost
02Career + starting pay
03Debt + loan payment
04Real monthly life
05Guard comparison
06Your results

THE JOURNEY

One plan. Six reality checks.

Work left to right. Each step carries the same goal forward so you are comparing the same future—not random benefit numbers.

1COLLEGEWhat will the school path really cost? 2CAREERWhat does the career actually pay? 3DEBTWhat follows you after graduation? 4LIFECan the monthly budget breathe? 5GUARDWhat changes when Guard options are modeled? 6RESULTSKeep the plan, compare it, or ask for help.
STEPS 1–3 • BUILD THE PLAN

COLLEGE → CAREER → DEBT

Build the plan first.

Use this tool when college is part of your plan. Pick schools, majors, transfer paths, and funding to see what the numbers could actually look like.

Pick a school and choose a major from the dropdown. The 2026–27 tuition estimate fills itself in, and schools with major-based pricing update again when the major changes. School choices also show the current tuition estimate right in the list.

Your numbers stay on your device. This calculator runs in your browser and does not send your financial entries anywhere.

1. Your school

Pick a school — its tuition estimate fills in automatically. The price is also shown in the school list.
Preview-safe school pickerThis file viewer is blocking the calculator script. Pick a school here and the tuition below will still change.
Choose a college or school
2026–27 TUITION ESTIMATE$10,560/yearSoutheast Missouri State University
2026–27 TUITION ESTIMATE$8,010/yearSEMO Regional Campus
2026–27 TUITION ESTIMATE$5,220/yearThree Rivers College — In District
2026–27 TUITION ESTIMATE$6,630/yearThree Rivers College — Out of District
2026–27 TUITION ESTIMATE$6,170/yearMineral Area College — In District
2026–27 TUITION ESTIMATE$7,550/yearMineral Area College — Out of District
2026–27 TUITION ESTIMATE$7,273/yearMissouri State University–West Plains
2026–27 TUITION ESTIMATE$19,520/yearArkansas State University — Missouri estimate
2026–27 TUITION ESTIMATE$11,088/yearMurray State University — Missouri regional rate
2026–27 TUITION ESTIMATE$18,226/yearUniversity of Missouri — Columbia
2026–27 TUITION ESTIMATE$20,949/yearMissouri S&T
2026–27 TUITION ESTIMATE$14,601/yearUniversity of Missouri–Kansas City
2026–27 TUITION ESTIMATE$15,400/yearUniversity of Missouri–St. Louis
2026–27 TUITION ESTIMATE$12,450/yearMissouri State University — Springfield
2026–27 TUITION ESTIMATE$10,951/yearUniversity of Central Missouri
2026–27 TUITION ESTIMATE$11,828/yearTruman State University
2026–27 TUITION ESTIMATE$14,410/yearNorthwest Missouri State University
2026–27 TUITION ESTIMATE$9,618/yearMissouri Southern State University
2026–27 TUITION ESTIMATE$15,792/yearMissouri Western State University
2026–27 TUITION ESTIMATE$9,432/yearLincoln University of Missouri
2026–27 TUITION ESTIMATE$7,260/yearHarris-Stowe State University
2026–27 TUITION ESTIMATE$5,550/yearJefferson College — In District
2026–27 TUITION ESTIMATE$7,500/yearJefferson College — Out of District
2026–27 TUITION ESTIMATE$9,030/yearState Technical College of Missouri
2026–27 TUITION ESTIMATE$3,300/yearCrowder College — In District — base $3,300/yr
2026–27 TUITION ESTIMATE$5,640/yearCrowder College — Out of District — base $5,640/yr
2026–27 TUITION ESTIMATE$6,000/yearEast Central College — In District Tier 1
2026–27 TUITION ESTIMATE$7,860/yearEast Central College — Out of District Tier 1
2026–27 TUITION ESTIMATE$3,780/yearMetropolitan Community College–KC — In District — base $3,780/yr
2026–27 TUITION ESTIMATE$7,380/yearMetropolitan Community College–KC — Out of District — base $7,380/yr
2026–27 TUITION ESTIMATE$7,698/yearNorth Central Missouri College
2026–27 TUITION ESTIMATE$5,460/yearState Fair Community College — In District
2026–27 TUITION ESTIMATE$7,620/yearState Fair Community College — Missouri resident
2026–27 TUITION ESTIMATE$3,810/yearSt. Louis Community College — In District
2026–27 TUITION ESTIMATE$5,280/yearSt. Louis Community College — Out of District
2026–27 TUITION ESTIMATE$4,230/yearMoberly Area Community College — In District
2026–27 TUITION ESTIMATE$7,020/yearMoberly Area Community College — Other Missouri resident
2026–27 TUITION ESTIMATE$5,028/yearOzarks Tech — In District
2026–27 TUITION ESTIMATE$6,612/yearOzarks Tech — Out of District
2026–27 TUITION ESTIMATE$3,810/yearSt. Charles Community College — In District
2026–27 TUITION ESTIMATE$5,820/yearSt. Charles Community College — Out of District
2026–27 TUITION ESTIMATEEnter your own costOther / enter my own numbers

Full calculator note: The downloadable/hosted website uses the same school selection to update tuition, books, years, living estimates, major-based pricing, and the final reality check automatically.

2026–27 AUTO-FILLED $10,560/year Tuition and required-fee estimate
SEMO 2026–27: $10,560 tuition/general fees for 30 hours; $396 estimated books. Official source ↗
Pick a school first. This list then shows only programs curated for that college — no typing required.
Program pricing: Standard school rate. Choose a major and this tool will adjust tuition automatically where the school publishes different rates by program.
Your plan, your choice. The school fills in cost estimates, but it does not lock your timeline or degree goal. Choose what you actually plan to do.
Pick the number of years you personally expect to attend.
This stays under your control even after you change schools.
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You can still edit anything. Some majors, labs, nursing/health programs, online courses, and technical programs charge extra.

OPTIONAL TRANSFER PLAN

Start here, transfer later

Do part of your degree at one school, then transfer and finish somewhere else. We’ll price both parts.

Phase 1Automatically uses your plan above.
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Your first-school plan carries over automatically.

College, major/program, years in school, tuition, books, and living plan all come from the choices you already made above.

Your selections above become Phase 1.
Phase 2Choose where you’ll transfer to finish.
Transfer plan: Phase 1 uses everything you entered above. Choose only the transfer school, final major, years there, and living plan.
Transfer check: This is a planning estimate, not a guarantee that every credit transfers. Confirm the exact pathway with both schools before enrolling.

2. Money you expect to have

Enter totals for your whole college plan — not per-year amounts.

Missouri A+ Scholarship

Tell us whether you expect to qualify. You never enter an A+ dollar amount — the Reality Check estimates it automatically from the school, length of the eligible portion of the plan, and current 2026–27 A+ rules.

A+ is not counted until you select Yes.
A+ is a last-dollar program for eligible tuition and general fees at participating two-year/community/technical schools. Federal non-loan aid such as Pell is applied first, so this calculator uses a conservative estimate when other grants are entered. Do not include A+ again in the scholarships field below.
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Do not include A+ here. The calculator handles A+ separately.
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3. What do you expect to earn?

Starting salary updates automatically from the major or career you picked above. You can still edit it if you have a better local estimate.

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Estimated starting salary $45,000/year Updates from the major selected above.

Salary estimate updates from your selected major/career.

HOW WILL YOU COVER THE GAP?

Tap this if you want the reality check to include an estimated student-loan payment.

STEPS 4–6 • LIFE → GUARD → RESULTS

Build the life that comes after the diploma.

Your school price is only part of the decision. This uses the school, career, salary and borrowing from the Reality Check above, then adds the bills that show up every month after graduation.

1. Run the Reality Check above2. Pick a lifestyle3. Compare the monthly result

Your monthly life

Start with a preset, then change anything. These are planning estimates, not a promise of what your exact bills or taxes will be.

Parent view: what this does and does not assume
This tool compares the student's own school/career inputs with a basic monthly budget. It does not decide whether the Guard is right for someone and it does not guarantee education benefits.
  • School costs, transfer acceptance and aid must be verified with the school.
  • Guard benefits depend on eligibility, contract terms, funding and current policy.
  • Taxes, insurance, housing and other living costs vary by person.
Run your regular Reality Check first.
Then this section will use those numbers to show what the plan could feel like month to month.

NEXT STEP

Want me to look at your plan with you?

Bring the numbers. We can talk through what is realistic and what still needs verified.

Talk to SFC King

YOUR RESULTS • YOUR CHOICE

Keep exploring—or have me walk through the plan with you.

If the Reality Check or Life After Graduation simulator raised questions about tuition, student loans, monthly cash flow, Guard education benefits, or what your plan could look like, send me the basics.

Keep sensitive information out of this form.
Do not enter SSNs, medical details, legal issues, waiver information, or other protected information here.

Use the full Check My Options tool

Explore your options with SFC King

Complete the Reality Check to share your plans and request information.

Start Reality Check