Everyday · Live CRACTT tool

University, community college, or trade school?

The three paths differ far more in cost and timeline than in outcome for many careers. CRACTT compares total cost after aid, time to earning, likely debt load, and realistic pay in your target field — then recommends one.

First answer free · No card · Never used to train AI

What CRACTT weighs

  • Total cost after aid

    Sticker price is meaningless — grants, scholarships, and in-state rates decide the real number.

  • Time to earning

    Two years of income while others are still enrolled changes the lifetime math.

  • Debt against starting pay

    The debt-to-first-salary ratio that keeps repayment manageable.

  • Field requirements

    Some careers require the degree; many pay better without one.

FAQ

Can I compare specific schools?
Yes — name them with their costs and CRACTT will rank them for your field.

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