College is four years of math nobody teaches: what your GPA actually is, what your loans will actually cost, and whether that part-time job covers the gap. These are the tools for all of it.
Enter your completed courses in the GPA calculator, then add the current course and experiment with different grades. The credit weighting does the honest math — a 4-credit class moves your GPA four times as much as a 1-credit one.
Standard federal repayment is 10 years: on a $30K balance at 6%, about $333/month. The loan payoff calculator shows that plus what an extra $50/month starting immediately after graduation saves — usually thousands.
Run the honest hourly (salary-to-hourly calculator), then weigh it against the GPA cost of lost study hours. The breakpoint many advisors suggest: under 15 hours a week usually costs nothing academically; over 20 often does.