Terms of Use

Effective November 2026

CollegeLuma gives free estimates to help you plan. The school’s official numbers always win. By using the site, you agree to these terms.

Estimates, not advice

CollegeLuma is a planning tool, not financial, legal or tax advice, and is not connected to any college, lender or government agency. Our numbers come from public data and federal formulas and can be wrong for your family. Check them with each school’s financial aid office and its own net price calculator before you decide anything. Nothing here promises admission, aid or a price.

No guarantees

The site is provided “as is”, without warranties of any kind. As far as the law allows, CollegeLuma and its operator are not liable for any loss from using it or relying on its estimates, including where to apply, where to enroll, or how much to borrow.

Who can use it

You must be 13 or older. If you are under 18, use it with a parent or guardian.

Fair use

Use it for your own family. Don’t copy the site in bulk, try to break or overload it, resell it, or pass off a report as a school’s official offer. You are responsible for any appeal letter you send.

Yours and ours

What you type is yours, and you can print and share your reports freely. The site’s design, text and code are ours; school data comes from the U.S. Department of Education. How your information is handled is in the privacy policy.

Changes and questions

CollegeLuma will keep changing as it improves. If these terms change, the date at the top changes too. Questions? Send us feedback.