How does a college planning calculator take into account financial aid and scholarships?

A college planning calculator can take into account financial aid and scholarships by allowing users to enter the amount of financial aid and scholarships they expect to receive. This information can then be used to reduce the estimated cost of attendance, and therefore the amount of student loans needed to cover college expenses. Users may need to do some research to determine the amount of financial aid and scholarships they are eligible for, and enter this information accurately into the calculator. Keep in mind that some scholarships or financial aid may be meritbased or needbased, and may have specific requirements or limitations. It's important to read the terms and conditions carefully before accepting any financial aid or scholarships.