diff --git a/src/components/PremiumOnboarding/CareerOnboarding.js b/src/components/PremiumOnboarding/CareerOnboarding.js
index 599935e..3f73703 100644
--- a/src/components/PremiumOnboarding/CareerOnboarding.js
+++ b/src/components/PremiumOnboarding/CareerOnboarding.js
@@ -1,34 +1,175 @@
-// CareerOnboarding.js
-import React, { useState } from 'react';
+// CareerOnboarding.js (inline implementation of career search)
+import React, { useState, useEffect } from 'react';
+import axios from 'axios';
+import { Input } from '../ui/input.js'; // Ensure path matches your structure
+import authFetch from '../../utils/authFetch.js';
-const CareerOnboarding = ({ nextStep, prevStep }) => {
- const [careerData, setCareerData] = useState({
- currentJob: '',
- industry: '',
- employmentStatus: '',
- careerGoal: '',
- });
+const apiURL = process.env.REACT_APP_API_URL;
+
+const CareerOnboarding = ({ nextStep, prevStep, data, setData }) => {
+ const [userId, setUserId] = useState(null);
+ const [currentlyWorking, setCurrentlyWorking] = useState('');
+ const [selectedCareer, setSelectedCareer] = useState('');
+ const [careerPathId, setCareerPathId] = useState(null);
+ const [collegeEnrollmentStatus, setCollegeEnrollmentStatus] = useState('');
+
+ const [careers, setCareers] = useState([]);
+ const [searchInput, setSearchInput] = useState('');
+
+ useEffect(() => {
+ const storedUserId = localStorage.getItem('userId');
+ if (storedUserId) {
+ setUserId(storedUserId);
+ } else {
+ console.error('User ID not found in localStorage');
+ }
+ }, []);
+
+ // Fetch careers exactly once on mount
+ useEffect(() => {
+ const fetchCareerTitles = async () => {
+ try {
+ const response = await fetch('/career_clusters.json');
+ const data = await response.json();
+
+ const careerTitlesSet = new Set();
+
+ const clusters = Object.keys(data);
+ for (let i = 0; i < clusters.length; i++) {
+ const cluster = clusters[i];
+ const subdivisions = Object.keys(data[cluster]);
+
+ for (let j = 0; j < subdivisions.length; j++) {
+ const subdivision = subdivisions[j];
+ const careersArray = data[cluster][subdivision];
+
+ for (let k = 0; k < careersArray.length; k++) {
+ const careerObj = careersArray[k];
+ if (careerObj.title) {
+ careerTitlesSet.add(careerObj.title);
+ }
+ }
+ }
+ }
+
+ setCareers([...careerTitlesSet]);
+
+ } catch (error) {
+ console.error("Error fetching or processing career_clusters.json:", error);
+ }
+ };
+
+ fetchCareerTitles();
+ }, []);
+
+ // Update career selection automatically whenever the searchInput matches a valid career explicitly
+ useEffect(() => {
+ if (careers.includes(searchInput)) {
+ setSelectedCareer(searchInput);
+ setData(prev => ({ ...prev, career_name: searchInput }));
+ }
+ }, [searchInput, careers, setData]);
const handleChange = (e) => {
- setCareerData({ ...careerData, [e.target.name]: e.target.value });
+ setData(prev => ({ ...prev, [e.target.name]: e.target.value }));
};
+ const handleCareerInputChange = (e) => {
+ const inputValue = e.target.value;
+ setSearchInput(inputValue);
+
+ // only set explicitly when an exact match occurs
+ if (careers.includes(inputValue)) {
+ setSelectedCareer(inputValue);
+ setData(prev => ({ ...prev, career_name: inputValue }));
+ }
+ };
+
+ const handleSubmit = () => {
+ if (!selectedCareer || !currentlyWorking || !collegeEnrollmentStatus) {
+ alert("Please complete all required fields before continuing.");
+ return;
+ }
+
+ setData(prevData => ({
+ ...prevData,
+ career_name: selectedCareer,
+ college_enrollment_status: collegeEnrollmentStatus,
+ currently_working: currentlyWorking,
+ status: prevData.status || 'planned',
+ start_date: prevData.start_date || new Date().toISOString(),
+ projected_end_date: prevData.projected_end_date || null,
+ user_id: userId
+ }));
+
+ nextStep();
+ };
+
+
return (
);
};
diff --git a/src/components/PremiumOnboarding/CollegeOnboarding.js b/src/components/PremiumOnboarding/CollegeOnboarding.js
index eb7d6e2..02c0e4b 100644
--- a/src/components/PremiumOnboarding/CollegeOnboarding.js
+++ b/src/components/PremiumOnboarding/CollegeOnboarding.js
@@ -1,35 +1,558 @@
-// CollegeOnboarding.js
-import React, { useState } from 'react';
+import React, { useState, useEffect } from 'react';
-const CollegeOnboarding = ({ nextStep, prevStep }) => {
- const [collegeData, setCollegeData] = useState({
- studentStatus: '',
- school: '',
- program: '',
- creditHoursPerYear: '',
- });
+function CollegeOnboarding({ nextStep, prevStep, data, setData }) {
+ // CIP / iPEDS local states (purely for CIP data and suggestions)
+ const [schoolData, setSchoolData] = useState([]);
+ const [icTuitionData, setIcTuitionData] = useState([]);
+ const [schoolSuggestions, setSchoolSuggestions] = useState([]);
+ const [programSuggestions, setProgramSuggestions] = useState([]);
+ const [availableProgramTypes, setAvailableProgramTypes] = useState([]);
- const handleChange = (e) => {
- setCollegeData({ ...collegeData, [e.target.name]: e.target.value });
+ // ---- DESCTRUCTURE PARENT DATA FOR ALL FIELDS EXCEPT TUITION/PROGRAM_LENGTH ----
+ // We'll store user "typed" values for tuition/program_length in local states,
+ // but everything else comes directly from `data`.
+ const {
+ college_enrollment_status = '',
+ selected_school = '',
+ selected_program = '',
+ program_type = '',
+ academic_calendar = 'semester',
+ annual_financial_aid = '',
+ is_online = false,
+ existing_college_debt = '',
+ expected_graduation = '',
+ interest_rate = 5.5,
+ loan_term = 10,
+ extra_payment = '',
+ expected_salary = '',
+ is_in_state = true,
+ is_in_district = false,
+ loan_deferral_until_graduation = false,
+ credit_hours_per_year = '',
+ hours_completed = '',
+ credit_hours_required = '',
+ tuition_paid = '',
+ // We do NOT consume data.tuition or data.program_length directly here
+ // because we store them in local states (manualTuition, manualProgramLength).
+ } = data;
+
+ // ---- 1. LOCAL STATES for auto/manual logic on TWO fields ----
+ // manualTuition: user typed override
+ // autoTuition: iPEDS calculation
+ const [manualTuition, setManualTuition] = useState(''); // '' means no manual override
+ const [autoTuition, setAutoTuition] = useState(0);
+
+ // same approach for program_length
+ const [manualProgramLength, setManualProgramLength] = useState('');
+ const [autoProgramLength, setAutoProgramLength] = useState('0.00');
+
+ // ------------------------------------------
+ // Universal handleChange for all parent fields
+ // ------------------------------------------
+ const handleParentFieldChange = (e) => {
+ const { name, value, type, checked } = e.target;
+ let val = value;
+ if (type === 'checkbox') {
+ val = checked;
+ }
+ // parse numeric fields that are NOT tuition or program_length
+ if (['interest_rate','loan_term','extra_payment','expected_salary'].includes(name)) {
+ val = parseFloat(val) || 0;
+ } else if (
+ ['annual_financial_aid','existing_college_debt','credit_hours_per_year',
+ 'hours_completed','credit_hours_required','tuition_paid']
+ .includes(name)
+ ) {
+ val = val === '' ? '' : parseFloat(val);
+ }
+
+ setData(prev => ({ ...prev, [name]: val }));
};
+ // ------------------------------------------
+ // handleManualTuition, handleManualProgramLength
+ // for local fields
+ // ------------------------------------------
+ const handleManualTuitionChange = (e) => {
+ // user typed something => override
+ setManualTuition(e.target.value); // store as string for partial typing
+ };
+
+ const handleManualProgramLengthChange = (e) => {
+ setManualProgramLength(e.target.value);
+ };
+
+ // ------------------------------------------
+ // CIP Data fetch once
+ // ------------------------------------------
+ useEffect(() => {
+ async function fetchCipData() {
+ try {
+ const res = await fetch('/cip_institution_mapping_new.json');
+ const text = await res.text();
+ const lines = text.split('\n');
+ const parsed = lines.map(line => {
+ try { return JSON.parse(line); } catch { return null; }
+ }).filter(Boolean);
+ setSchoolData(parsed);
+ } catch (err) {
+ console.error("Failed to load CIP data:", err);
+ }
+ }
+ fetchCipData();
+ }, []);
+
+ // ------------------------------------------
+ // iPEDS Data fetch once
+ // ------------------------------------------
+ useEffect(() => {
+ async function fetchIpedsData() {
+ try {
+ const res = await fetch('/ic2023_ay.csv');
+ const text = await res.text();
+ const rows = text.split('\n').map(line => line.split(','));
+ const headers = rows[0];
+ const dataRows = rows.slice(1).map(row =>
+ Object.fromEntries(row.map((val, idx) => [headers[idx], val]))
+ );
+ setIcTuitionData(dataRows);
+ } catch (err) {
+ console.error("Failed to load iPEDS data:", err);
+ }
+ }
+ fetchIpedsData();
+ }, []);
+
+ // ------------------------------------------
+ // handleSchoolChange, handleProgramChange, etc. => update parent fields
+ // ------------------------------------------
+ const handleSchoolChange = (e) => {
+ const value = e.target.value;
+ setData(prev => ({
+ ...prev,
+ selected_school: value,
+ selected_program: '',
+ program_type: '',
+ credit_hours_required: '',
+ }));
+ // CIP suggestions
+ const filtered = schoolData.filter(s =>
+ s.INSTNM.toLowerCase().includes(value.toLowerCase())
+ );
+ const uniqueSchools = [...new Set(filtered.map(s => s.INSTNM))];
+ setSchoolSuggestions(uniqueSchools.slice(0, 10));
+ setProgramSuggestions([]);
+ setAvailableProgramTypes([]);
+ };
+
+ const handleSchoolSelect = (schoolName) => {
+ setData(prev => ({
+ ...prev,
+ selected_school: schoolName,
+ selected_program: '',
+ program_type: '',
+ credit_hours_required: '',
+ }));
+ setSchoolSuggestions([]);
+ setProgramSuggestions([]);
+ setAvailableProgramTypes([]);
+ };
+
+ const handleProgramChange = (e) => {
+ const value = e.target.value;
+ setData(prev => ({ ...prev, selected_program: value }));
+
+ if (!value) {
+ setProgramSuggestions([]);
+ return;
+ }
+ const filtered = schoolData.filter(
+ s => s.INSTNM.toLowerCase() === selected_school.toLowerCase() &&
+ s.CIPDESC.toLowerCase().includes(value.toLowerCase())
+ );
+ const uniquePrograms = [...new Set(filtered.map(s => s.CIPDESC))];
+ setProgramSuggestions(uniquePrograms.slice(0, 10));
+ };
+
+ const handleProgramSelect = (prog) => {
+ setData(prev => ({ ...prev, selected_program: prog }));
+ setProgramSuggestions([]);
+ };
+
+ const handleProgramTypeSelect = (e) => {
+ const val = e.target.value;
+ setData(prev => ({
+ ...prev,
+ program_type: val,
+ credit_hours_required: '',
+ }));
+ setManualProgramLength(''); // reset manual override
+ setAutoProgramLength('0.00');
+ };
+
+ // Once we have school+program, load possible program types
+ useEffect(() => {
+ if (!selected_program || !selected_school || !schoolData.length) return;
+ const possibleTypes = schoolData
+ .filter(
+ s => s.INSTNM.toLowerCase() === selected_school.toLowerCase() &&
+ s.CIPDESC === selected_program
+ )
+ .map(s => s.CREDDESC);
+ setAvailableProgramTypes([...new Set(possibleTypes)]);
+ }, [selected_program, selected_school, schoolData]);
+
+ // ------------------------------------------
+ // Auto-calc Tuition => store in local autoTuition
+ // ------------------------------------------
+ useEffect(() => {
+ // do we have enough to calc?
+ if (!icTuitionData.length) return;
+ if (!selected_school || !program_type || !credit_hours_per_year) return;
+
+ // find row
+ const found = schoolData.find(s => s.INSTNM.toLowerCase() === selected_school.toLowerCase());
+ if (!found) return;
+ const unitId = found.UNITID;
+ if (!unitId) return;
+
+ const match = icTuitionData.find(row => row.UNITID === unitId);
+ if (!match) return;
+
+ // grad or undergrad
+ const isGradOrProf = [
+ "Master's Degree",
+ "Doctoral Degree",
+ "Graduate/Professional Certificate",
+ "First Professional Degree"
+ ].includes(program_type);
+
+ let partTimeRate = 0;
+ let fullTimeTuition = 0;
+ if (isGradOrProf) {
+ if (is_in_district) {
+ partTimeRate = parseFloat(match.HRCHG5 || 0);
+ fullTimeTuition = parseFloat(match.TUITION5 || 0);
+ } else if (is_in_state) {
+ partTimeRate = parseFloat(match.HRCHG6 || 0);
+ fullTimeTuition = parseFloat(match.TUITION6 || 0);
+ } else {
+ partTimeRate = parseFloat(match.HRCHG7 || 0);
+ fullTimeTuition = parseFloat(match.TUITION7 || 0);
+ }
+ } else {
+ // undergrad
+ if (is_in_district) {
+ partTimeRate = parseFloat(match.HRCHG1 || 0);
+ fullTimeTuition = parseFloat(match.TUITION1 || 0);
+ } else if (is_in_state) {
+ partTimeRate = parseFloat(match.HRCHG2 || 0);
+ fullTimeTuition = parseFloat(match.TUITION2 || 0);
+ } else {
+ partTimeRate = parseFloat(match.HRCHG3 || 0);
+ fullTimeTuition = parseFloat(match.TUITION3 || 0);
+ }
+ }
+
+ const chpy = parseFloat(credit_hours_per_year) || 0;
+ let estimate = 0;
+ // threshold
+ if (chpy < 24 && partTimeRate) {
+ estimate = partTimeRate * chpy;
+ } else {
+ estimate = fullTimeTuition;
+ }
+
+ setAutoTuition(Math.round(estimate));
+ // We do NOT auto-update parent's data. We'll do that in handleSubmit or if you prefer, you can store it in parent's data anyway.
+ }, [
+ icTuitionData, selected_school, program_type,
+ credit_hours_per_year, is_in_state, is_in_district, schoolData
+ ]);
+
+ // ------------------------------------------
+ // Auto-calc Program Length => store in local autoProgramLength
+ // ------------------------------------------
+ useEffect(() => {
+ if (!program_type) return;
+ if (!hours_completed || !credit_hours_per_year) return;
+
+ let required = 0;
+ switch (program_type) {
+ case "Associate's Degree": required = 60; break;
+ case "Bachelor's Degree": required = 120; break;
+ case "Master's Degree": required = 60; break;
+ case "Doctoral Degree": required = 120; break;
+ case "First Professional Degree": required = 180; break;
+ case "Graduate/Professional Certificate":
+ required = parseInt(credit_hours_required, 10) || 0; break;
+ default:
+ required = parseInt(credit_hours_required, 10) || 0; break;
+ }
+
+ const remain = required - (parseInt(hours_completed, 10) || 0);
+ const yrs = remain / (parseFloat(credit_hours_per_year) || 1);
+ const calcLength = yrs.toFixed(2);
+
+ setAutoProgramLength(calcLength);
+ }, [program_type, hours_completed, credit_hours_per_year, credit_hours_required]);
+
+ // ------------------------------------------
+ // handleSubmit => merges final chosen values
+ // ------------------------------------------
+ const handleSubmit = () => {
+ // If user typed a manual value, we use that. If they left it blank,
+ // we use the autoTuition.
+ const chosenTuition = (manualTuition.trim() === '' ? autoTuition : parseFloat(manualTuition));
+
+ // Same for program length
+ const chosenProgramLength = (manualProgramLength.trim() === '' ? autoProgramLength : manualProgramLength);
+
+ // Write them into parent's data
+ setData(prev => ({
+ ...prev,
+ tuition: chosenTuition,
+ program_length: chosenProgramLength
+ }));
+
+ nextStep();
+ };
+
+ // The displayed tuition => (manualTuition !== '' ? manualTuition : autoTuition)
+ const displayedTuition = (manualTuition.trim() === '' ? autoTuition : manualTuition);
+
+ // The displayed program length => (manualProgramLength !== '' ? manualProgramLength : autoProgramLength)
+ const displayedProgramLength = (manualProgramLength.trim() === '' ? autoProgramLength : manualProgramLength);
+
return (
);
-};
+}
export default CollegeOnboarding;
diff --git a/src/components/PremiumOnboarding/FinancialOnboarding.js b/src/components/PremiumOnboarding/FinancialOnboarding.js
index edd9876..f507dbc 100644
--- a/src/components/PremiumOnboarding/FinancialOnboarding.js
+++ b/src/components/PremiumOnboarding/FinancialOnboarding.js
@@ -1,25 +1,138 @@
-// FinancialOnboarding.js
-import React, { useState } from 'react';
-
-const FinancialOnboarding = ({ nextStep, prevStep }) => {
- const [financialData, setFinancialData] = useState({
- salary: '',
- expenses: '',
- savings: '',
- debts: '',
- });
+import React from 'react';
+const FinancialOnboarding = ({ nextStep, prevStep, data, setData }) => {
+ const {
+ currently_working = '',
+ current_salary = 0,
+ additional_income = 0,
+ monthly_expenses = 0,
+ monthly_debt_payments = 0,
+ retirement_savings = 0,
+ retirement_contribution = 0,
+ emergency_fund = 0,
+ emergency_contribution = 0,
+ extra_cash_emergency_pct = "",
+ extra_cash_retirement_pct = ""
+ } = data;
+
const handleChange = (e) => {
- setFinancialData({ ...financialData, [e.target.name]: e.target.value });
+ const { name, value } = e.target;
+ let val = parseFloat(value) || 0;
+
+ if (name === 'extra_cash_emergency_pct') {
+ val = Math.min(Math.max(val, 0), 100);
+ setData(prevData => ({
+ ...prevData,
+ extra_cash_emergency_pct: val,
+ extra_cash_retirement_pct: 100 - val
+ }));
+ } else if (name === 'extra_cash_retirement_pct') {
+ val = Math.min(Math.max(val, 0), 100);
+ setData(prevData => ({
+ ...prevData,
+ extra_cash_retirement_pct: val,
+ extra_cash_emergency_pct: 100 - val
+ }));
+ } else {
+ setData(prevData => ({
+ ...prevData,
+ [name]: val
+ }));
+ }
};
return (
Financial Details
-
-
-
-
+
+ {currently_working === 'yes' && (
+ <>
+
+
+
+
+ )}
+
+
+
+
+
+
+
+
+
+
+
+
+
+
Extra Monthly Cash Allocation
+
If you have extra money left each month after expenses, how would you like to allocate it? (Must add to 100%)
+
+
+
+
+
+
diff --git a/src/components/PremiumOnboarding/OnboardingContainer.js b/src/components/PremiumOnboarding/OnboardingContainer.js
index 70b86d3..1491867 100644
--- a/src/components/PremiumOnboarding/OnboardingContainer.js
+++ b/src/components/PremiumOnboarding/OnboardingContainer.js
@@ -1,28 +1,91 @@
// OnboardingContainer.js
-import React, { useState } from 'react';
+import React, { useState, useEffect } from 'react';
import PremiumWelcome from './PremiumWelcome.js';
import CareerOnboarding from './CareerOnboarding.js';
import FinancialOnboarding from './FinancialOnboarding.js';
import CollegeOnboarding from './CollegeOnboarding.js';
+import authFetch from '../../utils/authFetch.js';
+import { useNavigate } from 'react-router-dom';
const OnboardingContainer = () => {
+ console.log('OnboardingContainer MOUNT');
+
const [step, setStep] = useState(0);
+ const [careerData, setCareerData] = useState({});
+ const [financialData, setFinancialData] = useState({});
+ const [collegeData, setCollegeData] = useState({});
+
+ const navigate = useNavigate();
const nextStep = () => setStep(step + 1);
const prevStep = () => setStep(step - 1);
+ const submitData = async () => {
+ await authFetch('/api/premium/career-profile', {
+ method: 'POST',
+ headers: { 'Content-Type': 'application/json' },
+ body: JSON.stringify(careerData),
+ });
+
+ await authFetch('/api/premium/financial-profile', {
+ method: 'POST',
+ headers: { 'Content-Type': 'application/json' },
+ body: JSON.stringify(financialData),
+ });
+
+ await authFetch('/api/premium/college-profile', {
+ method: 'POST',
+ headers: { 'Content-Type': 'application/json' },
+ body: JSON.stringify(collegeData),
+ });
+
+ navigate('/milestone-tracker');
+ };
+
+ console.log('collegeData to submit:', collegeData);
+
+ useEffect(() => {
+ return () => console.log('OnboardingContainer UNMOUNT');
+ }, []);
+
+ // Merge the parent's collegeData with the override from careerData
+ const mergedCollegeData = {
+ ...collegeData,
+ // If careerData has a truthy enrollment_status, override
+ college_enrollment_status:
+ careerData.college_enrollment_status ?? collegeData.college_enrollment_status
+ };
+
const onboardingSteps = [
,
-
,
-
,
-
,
+
+
,
+
+
,
+
+
];
- return (
-
- {onboardingSteps[step]}
-
- );
+ return
{onboardingSteps[step]}
;
};
export default OnboardingContainer;
diff --git a/src/utils/FinancialProjectionService.js b/src/utils/FinancialProjectionService.js
index b74da36..229e810 100644
--- a/src/utils/FinancialProjectionService.js
+++ b/src/utils/FinancialProjectionService.js
@@ -1,137 +1,318 @@
import moment from 'moment';
-// Function to simulate monthly financial projection
-// src/utils/FinancialProjectionService.js
+// Example fields in userProfile that matter here:
+// - academicCalendar: 'semester' | 'quarter' | 'trimester' | 'monthly'
+// - annualFinancialAid: amount of scholarships/grants per year
+// - inCollege, loanDeferralUntilGraduation, graduationDate, etc.
+//
+// Additional logic now for lumps instead of monthly tuition payments.
export function simulateFinancialProjection(userProfile) {
- const {
- currentSalary,
- monthlyExpenses,
- monthlyDebtPayments,
- studentLoanAmount,
- interestRate, // β
Corrected
- loanTerm, // β
Corrected
- extraPayment,
- expectedSalary,
- emergencySavings,
- retirementSavings,
- monthlyRetirementContribution,
- monthlyEmergencyContribution,
- gradDate,
- fullTimeCollegeStudent: inCollege,
- partTimeIncome,
- startDate,
- programType,
- isFullyOnline,
- creditHoursPerYear,
- calculatedTuition,
- hoursCompleted,
- loanDeferralUntilGraduation,
- programLength
- } = userProfile;
+ const {
+ // Income & expenses
+ currentSalary = 0,
+ monthlyExpenses = 0,
+ monthlyDebtPayments = 0,
+ partTimeIncome = 0,
+ extraPayment = 0,
- const monthlyLoanPayment = calculateLoanPayment(studentLoanAmount, interestRate, loanTerm);
+ // Loan info
+ studentLoanAmount = 0,
+ interestRate = 5, // %
+ loanTerm = 10, // years
+ loanDeferralUntilGraduation = false,
- let totalEmergencySavings = emergencySavings;
- let totalRetirementSavings = retirementSavings;
- let loanBalance = studentLoanAmount;
- let projectionData = [];
+ // College & tuition
+ inCollege = false,
+ programType,
+ hoursCompleted = 0,
+ creditHoursPerYear = 30,
+ calculatedTuition = 10000, // e.g. annual tuition
+ gradDate, // known graduation date, or null
+ startDate, // when sim starts
+ academicCalendar = 'monthly', // new
+ annualFinancialAid = 0,
- const graduationDate = gradDate ? new Date(gradDate) : null;
- let milestoneIndex = 0;
- let loanPaidOffMonth = null;
+ // Salary after graduation
+ expectedSalary = 0,
- // Dynamic credit hours based on the program type
- let requiredCreditHours;
- switch (programType) {
- case "Associate Degree":
- requiredCreditHours = 60;
- break;
- case "Bachelor's Degree":
- requiredCreditHours = 120;
- break;
- case "Master's Degree":
- requiredCreditHours = 30;
- break;
- case "Doctoral Degree":
- requiredCreditHours = 60;
- break;
- default:
- requiredCreditHours = 120;
+ // Savings
+ emergencySavings = 0,
+ retirementSavings = 0,
+
+ // Monthly contributions
+ monthlyRetirementContribution = 0,
+ monthlyEmergencyContribution = 0,
+
+ // Surplus allocation
+ surplusEmergencyAllocation = 50,
+ surplusRetirementAllocation = 50,
+
+ // Potential override
+ programLength
+ } = userProfile;
+
+ // 1. Calculate standard monthly loan payment
+ const monthlyLoanPayment = calculateLoanPayment(studentLoanAmount, interestRate, loanTerm);
+
+ // 2. Determine how many credit hours remain
+ let requiredCreditHours = 120;
+ switch (programType) {
+ case "Associate's Degree":
+ requiredCreditHours = 60;
+ break;
+ case "Bachelor's Degree":
+ requiredCreditHours = 120;
+ break;
+ case "Master's Degree":
+ requiredCreditHours = 30;
+ break;
+ case "Doctoral Degree":
+ requiredCreditHours = 60;
+ break;
+ default:
+ requiredCreditHours = 120;
+ }
+ const remainingCreditHours = Math.max(0, requiredCreditHours - hoursCompleted);
+ const dynamicProgramLength = Math.ceil(remainingCreditHours / creditHoursPerYear);
+ const finalProgramLength = programLength || dynamicProgramLength;
+
+ // 3. Net annual tuition after financial aid
+ const netAnnualTuition = Math.max(0, calculatedTuition - annualFinancialAid);
+ const totalTuitionCost = netAnnualTuition * finalProgramLength;
+
+ // 4. Setup lumps per year based on academicCalendar
+ let lumpsPerYear = 12; // monthly fallback
+ let lumpsSchedule = []; // which months from start of academic year
+
+ // We'll store an array of month offsets in a single year (0-based)
+ // for semester, quarter, trimester
+ switch (academicCalendar) {
+ case 'semester':
+ lumpsPerYear = 2;
+ lumpsSchedule = [0, 6]; // months 0 & 6 from start of each academic year
+ break;
+ case 'quarter':
+ lumpsPerYear = 4;
+ lumpsSchedule = [0, 3, 6, 9];
+ break;
+ case 'trimester':
+ lumpsPerYear = 3;
+ lumpsSchedule = [0, 4, 8];
+ break;
+ case 'monthly':
+ default:
+ lumpsPerYear = 12;
+ lumpsSchedule = [...Array(12).keys()]; // 0..11
+ break;
+ }
+
+ // Each academic year is 12 months, for finalProgramLength years => totalAcademicMonths
+ const totalAcademicMonths = finalProgramLength * 12;
+ // Each lump sum = totalTuitionCost / (lumpsPerYear * finalProgramLength)
+ const lumpAmount = totalTuitionCost / (lumpsPerYear * finalProgramLength);
+
+ // 5. We'll loop for up to 20 years
+ const maxMonths = 240;
+ let date = startDate ? new Date(startDate) : new Date();
+ let loanBalance = studentLoanAmount;
+ let loanPaidOffMonth = null;
+ let currentEmergencySavings = emergencySavings;
+ let currentRetirementSavings = retirementSavings;
+ let projectionData = [];
+
+ // Convert gradDate to actual if present
+ const graduationDate = gradDate ? new Date(gradDate) : null;
+
+ for (let month = 0; month < maxMonths; month++) {
+ date.setMonth(date.getMonth() + 1);
+
+ // If loan is fully paid, record if not done already
+ if (loanBalance <= 0 && !loanPaidOffMonth) {
+ loanPaidOffMonth = `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, '0')}`;
}
- const remainingCreditHours = requiredCreditHours - hoursCompleted;
- const programDuration = Math.ceil(remainingCreditHours / creditHoursPerYear);
- const tuitionCost = calculatedTuition;
- const totalTuitionCost = tuitionCost * programDuration;
+ // Are we still in college? We either trust gradDate or approximate finalProgramLength
+ let stillInCollege = false;
+ if (inCollege) {
+ if (graduationDate) {
+ stillInCollege = date < graduationDate;
+ } else {
+ // approximate by how many months since start
+ const simStart = startDate ? new Date(startDate) : new Date();
+ const elapsedMonths =
+ (date.getFullYear() - simStart.getFullYear()) * 12 +
+ (date.getMonth() - simStart.getMonth());
+ stillInCollege = (elapsedMonths < totalAcademicMonths);
+ }
+ }
- const date = new Date(startDate);
- for (let month = 0; month < 240; month++) {
- date.setMonth(date.getMonth() + 1);
+ // 6. If we pay lumps: check if this is a "lump" month within the user's academic year
+ // We'll find how many academic years have passed since they started
+ let tuitionCostThisMonth = 0;
+ if (stillInCollege && lumpsPerYear > 0) {
+ const simStart = startDate ? new Date(startDate) : new Date();
+ const elapsedMonths =
+ (date.getFullYear() - simStart.getFullYear()) * 12 +
+ (date.getMonth() - simStart.getMonth());
- if (loanBalance <= 0 && !loanPaidOffMonth) {
- loanPaidOffMonth = `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, '0')}`;
- }
+ // Which academic year index are we in?
+ const academicYearIndex = Math.floor(elapsedMonths / 12);
+ // Within that year, which month are we in? (0..11)
+ const monthInYear = elapsedMonths % 12;
- let tuitionCostThisMonth = 0;
- if (inCollege && !loanDeferralUntilGraduation) {
- tuitionCostThisMonth = totalTuitionCost / programDuration / 12;
- }
+ // If we find monthInYear in lumpsSchedule, then lumps are due
+ if (lumpsSchedule.includes(monthInYear) && academicYearIndex < finalProgramLength) {
+ tuitionCostThisMonth = lumpAmount;
+ }
+ }
- let thisMonthLoanPayment = 0;
+ // 7. Decide if user defers or pays out of pocket
+ // If deferring, add lumps to loan
+ if (stillInCollege && loanDeferralUntilGraduation) {
+ // Instead of user paying out of pocket, add to loan
+ if (tuitionCostThisMonth > 0) {
+ loanBalance += tuitionCostThisMonth;
+ tuitionCostThisMonth = 0; // paid by the loan
+ }
+ }
- if (loanDeferralUntilGraduation && graduationDate && date < graduationDate) {
- const interestForMonth = loanBalance * (interestRate / 100 / 12); // β
Corrected here
- loanBalance += interestForMonth;
- } else if (loanBalance > 0) {
- const interestForMonth = loanBalance * (interestRate / 100 / 12); // β
Corrected here
- const principalForMonth = Math.min(loanBalance, monthlyLoanPayment + extraPayment - interestForMonth);
- loanBalance -= principalForMonth;
- loanBalance = Math.max(loanBalance, 0);
- thisMonthLoanPayment = monthlyLoanPayment + extraPayment;
- }
+ // 8. monthly income
+ let monthlyIncome = 0;
+ if (!inCollege || !stillInCollege) {
+ // user has graduated or never in college
+ monthlyIncome = (expectedSalary > 0 ? expectedSalary : currentSalary) / 12;
+ } else {
+ // in college => currentSalary + partTimeIncome
+ monthlyIncome = (currentSalary / 12) + (partTimeIncome / 12);
+ }
- const salaryNow = graduationDate && date >= graduationDate ? expectedSalary : currentSalary;
+ // 9. mandatory expenses (excluding student loan if deferring)
+ let thisMonthLoanPayment = 0;
+ let totalMonthlyExpenses = monthlyExpenses + monthlyDebtPayments + tuitionCostThisMonth;
- const totalMonthlyExpenses = monthlyExpenses
- + tuitionCostThisMonth
- + monthlyDebtPayments
- + thisMonthLoanPayment;
+ if (stillInCollege && loanDeferralUntilGraduation) {
+ // Accrue interest only
+ const interestForMonth = loanBalance * (interestRate / 100 / 12);
+ loanBalance += interestForMonth;
+ } else {
+ // Normal loan repayment if loan > 0
+ if (loanBalance > 0) {
+ const interestForMonth = loanBalance * (interestRate / 100 / 12);
+ const principalForMonth = Math.min(
+ loanBalance,
+ (monthlyLoanPayment + extraPayment) - interestForMonth
+ );
+ loanBalance -= principalForMonth;
+ loanBalance = Math.max(loanBalance, 0);
+ thisMonthLoanPayment = monthlyLoanPayment + extraPayment;
+ totalMonthlyExpenses += thisMonthLoanPayment;
+ }
+ }
- const monthlyIncome = salaryNow / 12;
+ // 10. leftover after mandatory expenses
+ let leftover = monthlyIncome - totalMonthlyExpenses;
+ if (leftover < 0) {
+ leftover = 0; // can't do partial negative leftover; they simply can't afford it
+ }
- let extraCash = monthlyIncome - totalMonthlyExpenses - monthlyRetirementContribution - monthlyEmergencyContribution;
- extraCash = Math.max(extraCash, 0);
+ // Baseline monthly contributions
+ const baselineContributions = monthlyRetirementContribution + monthlyEmergencyContribution;
+ let effectiveRetirementContribution = 0;
+ let effectiveEmergencyContribution = 0;
- // update savings explicitly with contributions first
- totalEmergencySavings += monthlyEmergencyContribution + (extraCash * 0.3);
- totalRetirementSavings += monthlyRetirementContribution + (extraCash * 0.7);
- totalRetirementSavings *= (1 + 0.07 / 12);
+ if (leftover >= baselineContributions) {
+ effectiveRetirementContribution = monthlyRetirementContribution;
+ effectiveEmergencyContribution = monthlyEmergencyContribution;
+ leftover -= baselineContributions;
+ } else {
+ // not enough leftover
+ // for real life, we typically set them to 0 if we can't afford them
+ // or reduce proportionally. We'll do the simpler approach: set them to 0
+ // as requested.
+ effectiveRetirementContribution = 0;
+ effectiveEmergencyContribution = 0;
+ }
- // netSavings calculation fixed
- projectionData.push({
- month: `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, '0')}`,
- salary: salaryNow,
- monthlyIncome: monthlyIncome,
- expenses: totalMonthlyExpenses,
- loanPayment: thisMonthLoanPayment,
- retirementContribution: monthlyRetirementContribution,
- emergencyContribution: monthlyEmergencyContribution,
- netSavings: monthlyIncome - totalMonthlyExpenses, // Exclude contributions here explicitly!
- totalEmergencySavings,
- totalRetirementSavings,
- loanBalance
- });
+ // 11. Now see if leftover is negative => shortfall from mandatory expenses
+ // Actually we zeroed leftover if it was negative. So let's check if the user
+ // truly can't afford mandatoryExpenses
+ const totalMandatoryPlusContrib = monthlyIncome - leftover;
+ const totalWantedContributions = effectiveRetirementContribution + effectiveEmergencyContribution;
+ const actualExpensesPaid = totalMonthlyExpenses + totalWantedContributions;
+ let shortfall = actualExpensesPaid - monthlyIncome; // if positive => can't pay
+ if (shortfall > 0) {
+ // We can reduce from emergency savings
+ const canCover = Math.min(shortfall, currentEmergencySavings);
+ currentEmergencySavings -= canCover;
+ shortfall -= canCover;
+ if (shortfall > 0) {
+ // user is effectively bankrupt
+ // we can break out or keep going to show negative net worth
+ // For demonstration, let's break
+ break;
+ }
+ }
- }
-
-
- return { projectionData, loanPaidOffMonth, emergencySavings };
- }
+ // 12. If leftover > 0 after baseline contributions, allocate surplus
+ // (we do it after we've handled shortfall)
+ const newLeftover = leftover; // leftover not used for baseline
+ let surplusUsed = 0;
+ if (newLeftover > 0) {
+ // Allocate by percent
+ const totalPct = surplusEmergencyAllocation + surplusRetirementAllocation;
+ const emergencyPortion = newLeftover * (surplusEmergencyAllocation / totalPct);
+ const retirementPortion = newLeftover * (surplusRetirementAllocation / totalPct);
-function calculateLoanPayment(principal, annualRate, years) {
- const monthlyRate = annualRate / 100 / 12;
- const numPayments = years * 12;
- return (principal * monthlyRate) / (1 - Math.pow(1 + monthlyRate, -numPayments));
+ currentEmergencySavings += emergencyPortion;
+ currentRetirementSavings += retirementPortion;
+ surplusUsed = newLeftover;
+ }
+
+ // 13. netSavings is monthlyIncome - actual expenses - all contributions
+ // But we must recalc actual final expenses paid
+ const finalExpensesPaid = totalMonthlyExpenses + (effectiveRetirementContribution + effectiveEmergencyContribution);
+ const netSavings = monthlyIncome - finalExpensesPaid;
+
+ projectionData.push({
+ month: `${date.getFullYear()}-${String(date.getMonth() + 1).padStart(2, '0')}`,
+ monthlyIncome,
+ totalExpenses: finalExpensesPaid,
+ effectiveRetirementContribution,
+ effectiveEmergencyContribution,
+ netSavings,
+ emergencySavings: currentEmergencySavings,
+ retirementSavings: currentRetirementSavings,
+ loanBalance: Math.round(loanBalance * 100) / 100,
+ loanPaymentThisMonth: thisMonthLoanPayment
+ });
+ }
+
+ // Return final
+ return {
+ projectionData,
+ loanPaidOffMonth,
+ finalEmergencySavings: currentEmergencySavings,
+ finalRetirementSavings: currentRetirementSavings,
+ finalLoanBalance: Math.round(loanBalance * 100) / 100
+ };
}
+/**
+ * Calculate the standard monthly loan payment for principal, annualRate (%) and term (years)
+ */
+function calculateLoanPayment(principal, annualRate, years) {
+ if (principal <= 0) return 0;
+
+ const monthlyRate = annualRate / 100 / 12;
+ const numPayments = years * 12;
+
+ if (monthlyRate === 0) {
+ // no interest
+ return principal / numPayments;
+ }
+ return (
+ (principal * monthlyRate) /
+ (1 - Math.pow(1 + monthlyRate, -numPayments))
+ );
+}
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