LoanRepayment reimplmementation in PreparingLanding

src/App.js

@@ -30,6 +30,9 @@ import Paywall from './components/Paywall.js';
 import OnboardingContainer from './components/PremiumOnboarding/OnboardingContainer.js';
 import RetirementPlanner from './components/RetirementPlanner.js';
 import ResumeRewrite from './components/ResumeRewrite.js';
+import LoanRepaymentPage from './components/LoanRepaymentPage.js';
+
+
 
 export const ProfileCtx = React.createContext();
 
@@ -177,7 +180,8 @@ function App() {
   return (
     <ProfileCtx.Provider
       value={{ financialProfile, setFinancialProfile,
-               scenario,          setScenario }}
+               scenario,          setScenario,
+              user, }}
     >
     <div className="flex min-h-screen flex-col bg-gray-50 text-gray-800">
       {/* Header */}
@@ -348,6 +352,23 @@ function App() {
                   >
                     Financial Profile
                   </Link>
+                  {canAccessPremium ? (
+                    /* Premium users go straight to the wizard */
+                    <Link
+                      to="/premium-onboarding"
+                      className="block px-4 py-2 hover:bg-gray-100 text-sm text-gray-700"
+                    >
+                      Premium Onboarding
+                    </Link>
+                  ) : (
+                    /* Free users are nudged to upgrade */
+                    <Link
+                      to="/paywall"
+                      className="block px-4 py-2 hover:bg-gray-100 text-sm text-gray-700"
+                    >
+                      College Planning&nbsp;<span className="text-xs">(Premium)</span>
+                    </Link>
+                  )}
                 </div>
               </div>
             </nav>
@@ -431,6 +452,7 @@ function App() {
               <Route path="/profile" element={<UserProfile />} />
               <Route path="/planning" element={<PlanningLanding />} />
               <Route path="/career-explorer" element={<CareerExplorer />} />
+              <Route path="/loan-repayment" element={<LoanRepaymentPage />}/>
               <Route path="/educational-programs" element={<EducationalProgramsPage />} />
               <Route path="/preparing" element={<PreparingLanding />} />
 

src/components/LoanRepayment.js

@@ -1,224 +1,252 @@
 import React, { useState } from 'react';
+import { Button } from './ui/button.js';
+
+/**
+ * LoanRepayment
+ * ────────────────────────────────────────────────────────────────
+ * If `schools.length === 0` we first show a quick-fill estimator
+ * that lets a free-tier user type a school name, choose “degree type”,
+ * and enter an annual-tuition guess.  We then create a minimal
+ * school object and push it into `schools`, after which the full
+ * repayment form (your original code) appears.
+ */
 function LoanRepayment({
-  schools,
+  /* ORIGINAL PROPS */
+  schools             = [],
   salaryData,
   setResults,
   setLoading,
   setPersistedROI,
   programLength,
-}) {
-  const [expectedSalary, setExpectedSalary] = useState(0);
-  const [tuitionType, setTuitionType] = useState('inState'); // Tuition type: inState or outOfState
-  const [interestRate, setInterestRate] = useState(5.5); // Interest rate
-  const [loanTerm, setLoanTerm] = useState(10); // Loan term in years
-  const [extraPayment, setExtraPayment] = useState(0); // Extra monthly payment
-  const [currentSalary, setCurrentSalary] = useState(0); // Current salary input
-  const [error, setError] = useState(null);
 
+  /* NEW: parent must hand us a setter so we can inject the stub */
+  setSchools,
+}) {
+  /* ------------------------- quick-fill state ------------------------- */
+  const [scratch, setScratch] = useState({
+    school: '',
+    programType: '',
+    tuition: '',
+  });
+
+  /* ------------------------- calculator state ------------------------ */
+  const [expectedSalary, setExpectedSalary] = useState(0);
+  const [tuitionType,     setTuitionType]   = useState('inState');
+  const [interestRate,    setInterestRate]  = useState(5.5);
+  const [loanTerm,        setLoanTerm]      = useState(10);
+  const [extraPayment,    setExtraPayment]  = useState(0);
+  const [currentSalary,   setCurrentSalary] = useState(0);
+  const [error,           setError]         = useState(null);
+
+  /* ------------------------- validation ------------------------------ */
   const validateInputs = () => {
-    if (!schools || schools.length === 0) {
-      setError('School data is missing. Loan calculations cannot proceed.');
-      return false;
-    }
-    
-    if (isNaN(interestRate) || interestRate <= 0) {
-      setError('Interest rate must be a valid number greater than 0.');
-      return false;
-    }
-  
-    if (isNaN(loanTerm) || loanTerm <= 0) {
-      setError('Loan term must be a valid number greater than 0.');
-      return false;
-    }
-  
-    if (isNaN(extraPayment) || extraPayment < 0) {
-      setError('Extra monthly payment cannot be negative.');
-      return false;
-    }
-  
-    if (isNaN(currentSalary) || currentSalary < 0) {
-      setError('Current salary must be a valid number and cannot be negative.');
-      return false;
-    }
-  
-    if (isNaN(expectedSalary) || expectedSalary < 0) {
-      setError('Expected salary must be a valid number and cannot be negative.');
-      return false;
-    }
-  
+    if (!schools?.length)         { setError('Missing school data.'); return false; }
+    if (isNaN(interestRate)||interestRate<=0) { setError('Interest rate > 0'); return false; }
+    if (isNaN(loanTerm)||loanTerm<=0)         { setError('Loan term > 0');    return false; }
+    if (isNaN(extraPayment)||extraPayment<0)  { setError('Extra pmt ≥ 0');    return false; }
+    if (isNaN(currentSalary)||currentSalary<0){ setError('Current salary ≥0');return false; }
+    if (isNaN(expectedSalary)||expectedSalary<0){setError('Expected salary ≥0');return false;}
     setError(null);
     return true;
   };
 
+  /* ------------------------- main calculation ----------------------- */
   const calculateLoanDetails = () => {
     if (!validateInputs()) return;
-  
-    setLoading(true);
+    setLoading?.(true);
+
     const results = schools.map((school) => {
-      const programLength = Number(school.programLength);
-      const tuition = tuitionType === 'inState' ? school.inState : school.outOfState;
-  
-      let totalTuition = 0;
-      let undergraduateYears = 0;
-      let graduateYears = 0;
-  
-      // ✅ Handle Associates (2 years total, all undergrad)
-      if (school.degreeType.includes("Associate")) {
-        undergraduateYears = 2;
-        graduateYears = 0;
-      } 
-      // ✅ Handle Bachelor's (4 years total, all undergrad)
-      else if (school.degreeType.includes("Bachelor")) {
-        undergraduateYears = 4;
-        graduateYears = 0;
+      /*  your existing repayment logic — unchanged  */
+      const programLen = Number(school.programLength);
+      const tuition    = tuitionType === 'inState' ? school.inState : school.outOfState;
+
+      let ugYears=0, gradYears=0;
+      if      (school.degreeType.includes('Associate')) ugYears=2;
+      else if (school.degreeType.includes('Bachelor'))  ugYears=4;
+      else if (school.degreeType.includes('Master'))    { ugYears=4; gradYears=2; }
+      else if (school.degreeType.includes('First Professional')||school.degreeType.includes('Doctoral'))
+                                                       { ugYears=4; gradYears=4; }
+      else if (school.degreeType.includes('Certificate')) ugYears=1;
+      else { ugYears=Math.min(programLen,4); gradYears=Math.max(programLen-4,0); }
+
+      let totalTuition = ugYears*tuition;
+      if (gradYears>0) {
+        const gradTuit = tuitionType==='inState'?school.inStateGraduate:school.outStateGraduate;
+        totalTuition += gradYears*gradTuit;
       }
-      // ✅ Handle Master's (4 undergrad + 2 graduate)
-      else if (school.degreeType.includes("Master")) {
-        undergraduateYears = 4;
-        graduateYears = 2;
+
+      const r      = Number(interestRate)/12/100;
+      const n      = Number(loanTerm)*12;
+      const pmtMin = totalTuition * (r*Math.pow(1+r,n))/(Math.pow(1+r,n)-1);
+      const pmt    = Number(pmtMin)+Number(extraPayment);
+
+      let bal=totalTuition, months=0;
+      while (bal>0 && months<n*2){
+        months++;
+        const interest = bal*r;
+        bal -= Math.max(pmt - interest,0);
       }
-      // ✅ Handle First Professional & Doctoral (4 undergrad + 4 grad)
-      else if (school.degreeType.includes("First Professional") || school.degreeType.includes("Doctoral")) {
-        undergraduateYears = 4;
-        graduateYears = 4;
-      } 
-      // ✅ Handle Certificate (default 1 year undergraduate)
-      else if (school.degreeType.includes("Certificate")) {
-        undergraduateYears = 1;
-        graduateYears = 0;
-      }
-      // ✅ Default fallback
-      else {
-        undergraduateYears = Math.min(programLength, 4);
-        graduateYears = Math.max(programLength - 4, 0);
-      }
-  
-      totalTuition += undergraduateYears * tuition;
-  
-      if (graduateYears > 0) {
-        const gradTuition = tuitionType === 'inState'
-          ? school.inStateGraduate
-          : school.outStateGraduate;
-        totalTuition += graduateYears * gradTuition;
-      }
-  
-      // Loan calculations
-      const monthlyRate = Number(interestRate) / 12 / 100;
-      const loanTermMonths = Number(loanTerm) * 12;
-  
-      const minimumMonthlyPayment = totalTuition * (monthlyRate * Math.pow(1 + monthlyRate, loanTermMonths)) /
-        (Math.pow(1 + monthlyRate, loanTermMonths) - 1);
-  
-      const extraMonthlyPayment = Number(minimumMonthlyPayment) + Number(extraPayment);
-      let remainingBalance = totalTuition;
-      let monthsWithExtra = 0;
-  
-      while (remainingBalance > 0) {
-        monthsWithExtra++;
-        const interest = remainingBalance * monthlyRate;
-        const principal = Math.max(extraMonthlyPayment - interest, 0);
-        remainingBalance -= principal;
-        if (monthsWithExtra > loanTermMonths * 2) break;
-      }
-  
-      const totalLoanCost = extraMonthlyPayment * monthsWithExtra;
-  
-      // Safe Net Gain Calculation
-      let salary = Number(expectedSalary) || 0;
-      let netGain = (-totalLoanCost).toFixed(2);
-      let monthlySalary = (0).toFixed(2);
-  
-      if (salary > 0) {
-        const currentSalaryNum = Number(currentSalary) || 0;
-        const totalSalary = salary * loanTerm;
-        const currentSalaryEarnings = currentSalaryNum * loanTerm * Math.pow(1.03, loanTerm);
-  
-        if (!isNaN(totalSalary) && !isNaN(currentSalaryEarnings)) {
-          netGain = (totalSalary - totalLoanCost - currentSalaryEarnings).toFixed(2);
-          monthlySalary = (salary / 12).toFixed(2);
-        } else {
-          netGain = (-totalLoanCost).toFixed(2);
-          monthlySalary = (0).toFixed(2);
-        }
-      } else {
-        netGain = (-totalLoanCost).toFixed(2);
-        monthlySalary = (0).toFixed(2);
-      }
-  
+      const totalCost = pmt*months;
+
+      /* safe net-gain estimate */
+      const salary = Number(expectedSalary)||0;
+      const cur    = Number(currentSalary)||0;
+      const netGain = salary
+        ? (salary*loanTerm - totalCost - cur*loanTerm*Math.pow(1.03,loanTerm)).toFixed(2)
+        : (-totalCost).toFixed(2);
+
       return {
         ...school,
-        totalTuition: totalTuition.toFixed(2),
-        monthlyPayment: minimumMonthlyPayment.toFixed(2),
-        totalMonthlyPayment: extraMonthlyPayment.toFixed(2),
-        totalLoanCost: totalLoanCost.toFixed(2),
+        totalTuition  : totalTuition.toFixed(2),
+        monthlyPayment: pmtMin.toFixed(2),
+        totalMonthlyPayment: pmt.toFixed(2),
+        totalLoanCost : totalCost.toFixed(2),
         netGain,
-        monthlySalary,
+        monthlySalary : (salary/12).toFixed(2),
       };
     });
-  
-    setResults(results);
-    setLoading(false);
-  };
-  
 
+    setResults?.(results);
+    setLoading?.(false);
+  };
+
+  /* ================================================================= */
+  /*   QUICK-FILL PANEL  (only when schools.length === 0)              */
+  /* ================================================================= */
+  if (!schools || schools.length === 0) {
+    const ready = scratch.tuition;
+    return (
+      <div className="border rounded p-6 space-y-4 max-w-md mx-auto">
+        <h2 className="text-lg font-semibold text-center">
+          Estimate student-loan payments
+        </h2>
+
+        <input
+          className="border rounded p-2 w-full"
+          placeholder="School name *"
+          value={scratch.school}
+          onChange={(e)=>setScratch({...scratch,school:e.target.value})}
+        />
+
+        <select
+          className="border rounded p-2 w-full"
+          value={scratch.programType}
+          onChange={(e)=>setScratch({...scratch,programType:e.target.value})}
+        >
+          <option value="">Degree / program type *</option>
+          <option>Associate's Degree</option>
+          <option>Bachelor's Degree</option>
+          <option>Master's Degree</option>
+          <option>Doctoral Degree</option>
+          <option>Graduate/Professional Certificate</option>
+          <option>First Professional Degree</option>
+        </select>
+
+        <input
+          type="number"
+          className="border rounded p-2 w-full"
+          placeholder="Estimated annual tuition *"
+          value={scratch.tuition}
+          onChange={(e)=>setScratch({...scratch,tuition:e.target.value})}
+        />
+
+        <Button
+          className="w-full"
+          disabled={!ready}
+          onClick={()=>{
+              const t = Number(scratch.tuition);
+              const stub = {
+              INSTNM    : scratch.school || '(self-entered)',   // ← if blank
+              degreeType: scratch.programType || 'Unknown',     // ← if blank
+              programLength: 4,
+              inState: t,
+              outOfState: t,
+              inStateGraduate: t,
+              outStateGraduate: t,
+            };
+            setSchools([stub]);        // now main form will appear
+          }}
+        >
+          Continue →
+        </Button>
+      </div>
+    );
+  }
+
+  /* ================================================================= */
+  /*   ORIGINAL DETAILED REPAYMENT FORM                                */
+  /* ================================================================= */
   return (
-    <div className="loan-repayment-container">
-      <form onSubmit={(e) => { e.preventDefault(); calculateLoanDetails(); }}>
-      <div className="input-group">
-      <label>Tuition Type:</label>
-      <select value={tuitionType} onChange={(e) => setTuitionType(e.target.value)}>
-        <option value="inState">In-State</option>
-        <option value="outOfState">Out-of-State</option>
-      </select>
-    </div>
-    <div className="input-group">
-      <label>Interest Rate:</label>
-      <input type="number" 
-      value={interestRate} 
-      onChange={(e) => setInterestRate(e.target.value)} 
-      placeholder="Enter the interest rate"
-      />
-    </div>
-    <div className="input-group">
-      <label>Loan Term (years):</label>
-      <input type="number" 
-      value={loanTerm} 
-      onChange={(e) => setLoanTerm(e.target.value)} 
-      placeholder="Enter the length of the loan repayment period"
-      />
-    </div>
-    <div className="input-group">
-      <label>Extra Monthly Payment:</label>
-      <input type="number" 
-      value={extraPayment} 
-      onChange={(e) => setExtraPayment(e.target.value)} 
-      placeholder="Enter any additional monthly payment"
-      />
-    </div>
-    <div className="input-group">
-      <label>Current Salary:</label>
-      <input type="number" 
-      value={currentSalary} 
-      onChange={(e) => setCurrentSalary(e.target.value)} 
-      placeholder="Enter your current salary" 
-      />
-    </div>
-    <div className="input-group">
-          <label>Expected Salary:</label>
-          <input 
-            type="number" 
-            value={expectedSalary} 
-            onChange={(e) => setExpectedSalary(e.target.value)} 
-            placeholder="Enter expected salary" 
-          />
+    <div className="loan-repayment-container max-w-xl mx-auto">
+      <form onSubmit={(e)=>{e.preventDefault();calculateLoanDetails();}}
+            className="space-y-4 border rounded p-6">
+        {/* Tuition type */}
+        <div className="input-group">
+          <label className="block font-medium">Tuition Type</label>
+          <select
+            value={tuitionType}
+            onChange={(e)=>setTuitionType(e.target.value)}
+            className="border rounded p-2 w-full"
+          >
+            <option value="inState">In-State</option>
+            <option value="outOfState">Out-of-State</option>
+          </select>
         </div>
-    <div className="calculate-button-container">
-      <button type="submit">Calculate</button>
+
+        {/* Interest rate */}
+        <div className="input-group">
+          <label className="block font-medium">Interest Rate (%)</label>
+          <input type="number"
+                 value={interestRate}
+                 onChange={(e)=>setInterestRate(e.target.value)}
+                 className="border rounded p-2 w-full"/>
+        </div>
+
+        {/* Loan term */}
+        <div className="input-group">
+          <label className="block font-medium">Loan Term (years)</label>
+          <input type="number"
+                 value={loanTerm}
+                 onChange={(e)=>setLoanTerm(e.target.value)}
+                 className="border rounded p-2 w-full"/>
+        </div>
+
+        {/* Extra payment */}
+        <div className="input-group">
+          <label className="block font-medium">Extra Monthly Payment</label>
+          <input type="number"
+                 value={extraPayment}
+                 onChange={(e)=>setExtraPayment(e.target.value)}
+                 className="border rounded p-2 w-full"/>
+        </div>
+
+        {/* Current salary */}
+        <div className="input-group">
+          <label className="block font-medium">Current Salary</label>
+          <input type="number"
+                 value={currentSalary}
+                 onChange={(e)=>setCurrentSalary(e.target.value)}
+                 className="border rounded p-2 w-full"/>
+        </div>
+
+        {/* Expected salary */}
+        <div className="input-group">
+          <label className="block font-medium">Expected Salary</label>
+          <input type="number"
+                 value={expectedSalary}
+                 onChange={(e)=>setExpectedSalary(e.target.value)}
+                 className="border rounded p-2 w-full"/>
+        </div>
+
+        {/* Submit */}
+        <div className="text-right">
+          <Button type="submit">Calculate</Button>
+        </div>
+
+        {error && <div className="text-red-600 text-sm">{error}</div>}
+      </form>
     </div>
-  </form>
-  {error && <div className="error">{error}</div>}
-</div>
   );
 }
 
-export default LoanRepayment;
+export default LoanRepayment;

src/components/LoanRepaymentDrawer.js

@@ -0,0 +1,306 @@
+// src/components/LoanRepaymentDrawer.js
+import React, { useState, useEffect, useMemo, useCallback } from 'react';
+import { X } from 'lucide-react';
+import LoanRepayment from './LoanRepayment.js';
+import { Button } from './ui/button.js';
+import { getNearbySchools } from '../utils/getNearbySchools.js';
+import UpsellSummary from './UpsellSummary.js';
+import { useNavigate } from 'react-router-dom';
+
+/* ───────────────────────── CONSTANTS ───────────────────────── */
+const DEGREE_OPTS = [
+  "Associate's Degree",
+  "Bachelor's Degree",
+  "Master's Degree",
+  'Graduate / Professional Certificate',
+  'First Professional Degree',
+  'Doctoral Degree',
+];
+
+/* ──────────────────────── COMPONENT ────────────────────────── */
+export default function LoanRepaymentDrawer({
+  open,
+  onClose,
+  schools,      // comes from PreparingLanding
+  setSchools,
+  results,
+  setResults,
+  user,
+  cipCodes = [],
+  userZip = '',
+  userState='',
+}) {
+  /* Hooks must always run – return null later if !open */
+  /* ── Remote data for auto-suggest ─ */
+  const [cipData, setCipData]         = useState([]);
+  const [schoolSearch, setSchoolSearch] = useState('');
+
+  /* ── Simple form fields ─ */
+  const [degree,  setDegree]  = useState('');
+  const [tuition, setTuition] = useState('');
+  const [err,     setErr]     = useState('');
+
+  /* ── When “Continue” is pressed show true calculator ─ */
+  const [showCalc, setShowCalc] = useState(false);
+
+  const navigate = useNavigate();
+
+
+  /* ▒▒▒ NEW auto-seed effect ▒▒▒ */
+useEffect(() => {
+  // run once every time the drawer opens
+  if (!open)             return;           // drawer closed
+  if (schools.length)    return;           // already have data
+  if (!cipCodes.length)  return;           // no career → nothing to seed
+
+  (async () => {
+    try {
+      const seed = await getNearbySchools(cipCodes, userZip, userState);
+      if (seed.length) setSchools(seed);
+    } catch (e) {
+      console.warn('auto-seed schools failed:', e);
+    }
+  })();
+}, [open, schools.length, cipCodes.join('-'), userZip, userState, setSchools]);
+
+  /* ════════════════════════════════════════════════════
+     FETCH CIP DATA (only once the drawer is ever opened)
+     ════════════════════════════════════════════════════ */
+  useEffect(() => {
+    if (!open || cipData.length) return;
+    fetch('/cip_institution_mapping_new.json')
+      .then(r => r.text())
+      .then(text =>
+        text
+          .split('\n')
+          .map(l => { try { return JSON.parse(l); } catch { return null; } })
+          .filter(Boolean)
+      )
+      .then(arr => setCipData(arr))
+      .catch(e => console.error('CIP fetch error', e));
+  }, [open, cipData.length]);
+
+  /* ════════════════════════════════════════════════════
+     SCHOOL AUTOCOMPLETE LIST (memoised)
+     ════════════════════════════════════════════════════ */
+  const suggestions = useMemo(() => {
+    if (!schoolSearch.trim()) return [];
+    const low = schoolSearch.toLowerCase();
+    const set = new Set(
+      cipData
+        .filter(r => r.INSTNM.toLowerCase().includes(low))
+        .map(r => r.INSTNM)
+    );
+    return [...set].slice(0, 10);
+  }, [schoolSearch, cipData]);
+
+  /* ════════════════════════════════════════════════════
+     ESC --> close convenience
+     ════════════════════════════════════════════════════ */
+  const escHandler = useCallback(e => {
+    if (e.key === 'Escape') onClose();
+  }, [onClose]);
+  useEffect(() => {
+    if (open) window.addEventListener('keydown', escHandler);
+    return () => window.removeEventListener('keydown', escHandler);
+  }, [open, escHandler]);
+
+  /* ════════════════════════════════════════════════════
+     HANDLE “CONTINUE”
+     ════════════════════════════════════════════════════ */
+  const handleContinue = () => {
+    // Tuition is the only truly required field
+    if (!tuition.trim()) {
+      setErr('Please enter an annual tuition estimate.');
+      return;
+    }
+    setErr('');
+
+    // Build a stub “school” object so LoanRepayment
+    // can work with the same shape it expects
+    const stub = {
+      name            : schoolSearch || 'Unknown School',
+      degreeType      : degree       || 'Unspecified',
+      programLength   : 4,              // sensible default
+      inState         : parseFloat(tuition),
+      outOfState      : parseFloat(tuition),
+      inStateGraduate : parseFloat(tuition),
+      outStateGraduate: parseFloat(tuition),
+    };
+
+    setSchools([stub]);   // overwrite – single-school calc
+    setShowCalc(true);
+  };
+
+  const showUpsell = user && !user.is_premium && !user.is_pro_premium;
+
+  /* ════════════════════════════════════════════════════
+     RENDER
+     ════════════════════════════════════════════════════ */
+  if (!open) return null;
+
+  return (
+    <div className="fixed inset-0 z-50 flex justify-end bg-black/40">
+      <div className="h-full w-full max-w-md bg-white shadow-xl flex flex-col">
+        {/* Header */}
+        <div className="flex justify-between items-center px-5 py-4 border-b">
+          <h2 className="font-semibold">Estimate Student-Loan Payments</h2>
+          <button onClick={onClose} className="text-gray-500 hover:text-gray-700">
+            <X size={20} />
+          </button>
+        </div>
+
+        {/* Content */}
+        <div className="overflow-y-auto p-6 flex-1">
+          {/* Free money first */}
+          <section className="text-sm mb-6">
+            <h3 className="font-semibold mb-1">Free money first</h3>
+            <ol className="list-decimal list-inside space-y-1">
+              <li>Submit the <strong>FAFSA</strong> (it’s free).</li>
+              <li>Check state <strong>grant&nbsp;/ Promise&nbsp;/ HOPE</strong> programs.</li>
+              <li>Apply for <strong>scholarships</strong> (FastWeb, Bold.org, local).</li>
+              <li>Take gift-aid first, loans last.</li>
+            </ol>
+          </section>
+
+          {/* STEP 1: QUICK FORM  */}
+          {!showCalc && (
+            <form
+              className="space-y-4"
+              onSubmit={e => { e.preventDefault(); handleContinue(); }}
+            >
+              {/* School name (optional) */}
+              <div>
+                <label className="text-sm font-medium">School name</label>
+                <input
+                  type="text"
+                  value={schoolSearch}
+                  onChange={e => setSchoolSearch(e.target.value)}
+                  list="school-suggestions"
+                  placeholder="Start typing…"
+                  className="mt-1 w-full rounded border px-3 py-2 text-sm"
+                />
+                <datalist id="school-suggestions">
+                  {suggestions.map((s, i) => (
+                    <option key={i} value={s} />
+                  ))}
+                </datalist>
+              </div>
+
+              {/* Degree */}
+              <div>
+                <label className="text-sm font-medium">Degree&nbsp;/ program type</label>
+                <select
+                  value={degree}
+                  onChange={e => setDegree(e.target.value)}
+                  className="mt-1 w-full rounded border px-3 py-2 text-sm"
+                >
+                  <option value="">Select…</option>
+                  {DEGREE_OPTS.map((d, i) => <option key={i} value={d}>{d}</option>)}
+                </select>
+              </div>
+
+              {/* Tuition */}
+              <div>
+                <label className="text-sm font-medium">Estimated annual tuition *</label>
+                <input
+                  type="number"
+                  min="0"
+                  step="100"
+                  value={tuition}
+                  onChange={e => setTuition(e.target.value)}
+                  placeholder="e.g. 28000"
+                  className="mt-1 w-full rounded border px-3 py-2 text-sm"
+                />
+              </div>
+
+              {/* Error */}
+              {err && <p className="text-red-600 text-sm">{err}</p>}
+
+              <Button type="submit" className="w-full">
+                Continue →
+              </Button>
+            </form>
+          )}
+
+          {/* STEP 2: REAL CALCULATOR */}
+          {showCalc && (
+              <>
+                <LoanRepayment
+                  schools={schools}
+                  setSchools={setSchools}
+                  setResults={setResults}
+                  results={results}
+                />
+
+                {/* small separator */}
+                  <hr className="my-6" />
+
+                  {/* PREMIUM CTA  */}
+                  {showUpsell ? (
+                    <div className="bg-blue-50 border-l-4 border-blue-400 p-4 rounded space-y-2 text-sm">
+                      <p className="font-medium">
+                        Want to see how this loan fits into a full financial plan?
+                      </p>
+                      <p>
+                        Premium subscribers can model salary growth, living costs,
+                        retirement goals, and more.
+                      </p>
+                      <Button
+                        className="w-full"
+                        onClick={() => {
+                          onClose();
+                          navigate('/paywall');
+                        }}
+                      >
+                        Unlock Premium Features →
+                      </Button>
+                    </div>
+                  ) : (
+                    /* If already premium just show a helpful note */
+                    <div className="bg-green-50 border-l-4 border-green-400 p-4 rounded text-sm">
+                      <p className="font-medium">
+                        You’re on Premium — open the ​<strong>College Planning wizard</strong> to store this tuition in your plan
+   (Profile ▸ Premium Onboarding ▸ College Details).
+                      </p>
+                    </div>
+                  )}
+                </>
+              )}
+
+            {/* STEP 3 : results table */}
+              {results?.length > 0 && (
+                <div className="mt-8">
+                  <h4 className="font-semibold mb-2 text-center">
+                    Estimated payments
+                  </h4>
+
+                  <table className="w-full text-sm border">
+                    <thead className="bg-gray-100">
+                      <tr>
+                        <th className="p-2">School</th>
+                        <th className="p-2">Monthly</th>
+                        <th className="p-2">Total Cost</th>
+                        <th className="p-2">Net Gain</th>
+                      </tr>
+                    </thead>
+                    <tbody>
+                      {results.map((r, i) => (
+                        <tr key={i} className="border-t">
+                          <td className="p-2">{r.name}</td>
+                          <td className="p-2">${r.totalMonthlyPayment}</td>
+                          <td className="p-2">${r.totalLoanCost}</td>
+                          <td className="p-2">${r.netGain}</td>
+                        </tr>
+                      ))}
+                    </tbody>
+                  </table>
+                </div>
+              )}
+        </div>
+      </div>
+    </div>
+
+    
+  );
+}

src/components/LoanRepaymentPage.js

@@ -0,0 +1,11 @@
+//  src/pages/LoanRepaymentPage.js
+import LoanRepayment from '../components/LoanRepayment.js';
+
+export default function LoanRepaymentPage() {
+  return (
+    <div className="min-h-screen flex items-center justify-center bg-gray-50 p-6">
+      {/* Pass data via props or context exactly as LoanRepayment expects */}
+      <LoanRepayment />
+    </div>
+  );
+}

src/components/PreparingLanding.js

@@ -1,68 +1,106 @@
-import React from 'react';
+//  src/components/PreparingLanding.js
+import React, { useState, useCallback, useEffect, useContext } from 'react';
 import { useNavigate } from 'react-router-dom';
 import { Button } from './ui/button.js';
+import LoanRepaymentDrawer from './LoanRepaymentDrawer.js';
+import { ProfileCtx } from '../App.js';
 
 function PreparingLanding() {
   const navigate = useNavigate();
 
+  const { user } = useContext(ProfileCtx);
+
+  /* ─── Drawer visibility ─────────────────────────────── */
+  const [showLoan, setShowLoan] = useState(false);
+
+  /* ─── Stub-school state lives here; Drawer mutates it ─ */
+  const [schools, setSchools] = useState([]);   // [] → quick-fill form
+  const [cipCodes]  = useState([]);      // you may hold these at page level
+  const [userZip]   = useState('');
+  const [loanResults, setLoanResults] = useState([]);
+  
+
+  /* Esc -to-close convenience */
+  const escHandler = useCallback(e => {
+    if (e.key === 'Escape') setShowLoan(false);
+  }, []);
+  useEffect(() => {
+    if (showLoan) window.addEventListener('keydown', escHandler);
+    return () => window.removeEventListener('keydown', escHandler);
+  }, [showLoan, escHandler]);
+
   return (
     <div className="min-h-screen flex items-center justify-center bg-gray-50 p-6">
       <div className="max-w-3xl w-full bg-white shadow-lg rounded-lg p-8 space-y-6">
+        {/* ───────────────── TITLE / INTRO ───────────────── */}
         <h1 className="text-3xl font-bold text-center">
           Preparing for Your (Next) Career
         </h1>
         <p className="text-gray-600 text-center">
           Build the right skills and plan your education so you can confidently
-          enter (or transition into) your new career.
+          enter—or transition into—your new career.
         </p>
 
-        {/* Section: Choose Skills-Based vs. Formal Education */}
+        {/* ──────────────── 1) PATH CHOICE ──────────────── */}
         <section className="space-y-4">
           <h2 className="text-xl font-semibold">Which Path Fits You?</h2>
           <p className="text-gray-700">
-            We can help you identify whether a <strong>skills-based program</strong> 
-            (certifications, bootcamps, on-the-job training) or a more 
-            <strong> formal education route</strong> (two-year or four-year college) 
-            is the best fit. Whichever path you choose, our AI tools will guide 
-            you from application to graduation.
+            We can help you identify whether a&nbsp;
+            <strong>skills-based program</strong> (certifications, bootcamps) or a&nbsp;
+            <strong>formal education route</strong> (two- or four-year college)
+            is the best fit. Whichever path you choose, AptivaAI will help you map next steps—from applying to graduating.
+
           </p>
           <div className="flex flex-col sm:flex-row gap-4">
-            {/* Explore Education Options (handles skill-based & formal) */}
             <Button onClick={() => navigate('/educational-programs')}>
               Plan My Education Path
             </Button>
 
-            {/* How to Pay button (placeholder route) */}
-            <Button onClick={() => navigate('/how-to-pay')}>
+            <Button onClick={() => setShowLoan(true)}>
               How to Pay for Education
             </Button>
           </div>
         </section>
 
-        {/* Section: Tie-In to LoanRepayment or Additional Financial Planning */}
+        {/* ──────────────── 2) LOAN BLURB ──────────────── */}
         <section className="space-y-4">
           <h2 className="text-xl font-semibold">Financing Your Future</h2>
           <p className="text-gray-700">
-            Already have an idea of where you want to enroll? 
-            We can help you compare costs, estimate student loan repayments, 
-            and map out work-study or part-time opportunities. 
-            Our integrated <strong>LoanRepayment</strong> tools will show you 
+            Already have an idea of where you want to enroll? Compare costs,
+            estimate student-loan repayments, and map out work-study or part-time
+            opportunities. Our integrated <strong>LoanRepayment</strong> tool shows
             realistic monthly payments so you can make confident choices.
           </p>
         </section>
 
-        {/* Optional: Retake Interest Inventory */}
+        {/* ──────────────── 3) INTEREST INVENTORY ──────────────── */}
         <section className="space-y-3">
           <h2 className="text-xl font-semibold">Still Exploring?</h2>
           <p className="text-gray-700">
-            If you’d like to revisit career possibilities, feel free to retake 
-            our Interest Inventory to see other matching paths.
+            Want to revisit career possibilities? Retake our Interest Inventory to
+            see other matching paths.
           </p>
           <Button onClick={() => navigate('/interest-inventory')}>
             Retake Interest Inventory
           </Button>
         </section>
       </div>
+
+      {/* ─────────────── DRAWER MOUNT ─────────────── */}
+      {showLoan && (
+        <LoanRepaymentDrawer
+          open={showLoan}
+          onClose={() => setShowLoan(false)}
+          schools={schools}
+          setSchools={setSchools}
+          results={loanResults}
+          setResults={setLoanResults}
+          isPremium={user?.is_premium || user?.is_pro_premium}
+          cipCodes={cipCodes}
+          userZip={userZip}
+          user={user}
+        />
+      )}
     </div>
   );
 }

src/components/UpsellSummary.js

@@ -0,0 +1,35 @@
+// UpsellSummary.jsx
+import { Button } from './ui/button.js';
+
+export default function UpsellSummary({ row, onUpgrade, isPremium }) {
+  if (!row) return null;
+
+  const niceMoney = n => '$' + Number(n).toLocaleString();
+
+  return (
+    <div id="loan-results" className="mt-6 space-y-3 border-t pt-4">
+      <p className="text-sm text-gray-700">
+        With a payment of <strong>{niceMoney(row.totalMonthlyPayment)}/mo</strong>{' '}
+        you’d spend <strong>{niceMoney(row.totalLoanCost)}</strong> over the loan
+        term and still net about{' '}
+        <strong className="text-green-600">
+          {niceMoney(row.netGain)}
+        </strong>{' '}
+        after pay-off.
+      </p>
+
+      {isPremium ? (
+        <Button className="w-full" onClick={onUpgrade}>
+          Open Detailed ROI Planner →
+        </Button>
+      ) : (
+        <Button
+          className="w-full bg-green-500 hover:bg-green-600"
+          onClick={onUpgrade}
+        >
+          See full ROI with Premium →
+        </Button>
+      )}
+    </div>
+  );
+}

src/utils/getNearbySchools.js

@@ -0,0 +1,50 @@
+import { fetchSchools, clientGeocodeZip, haversineDistance } from './apiUtils.js';
+
+/**
+ * Returns the N cheapest schools within a radius.
+ * cipCodes   – array like ['1101','5202']
+ * userZip    – '30303' etc (may be '')
+ * userState  – 'GA' etc (may be '')
+ * maxDistMi  – number (default 100)
+ * limit      – number (default 10)
+ */
+export async function getNearbySchools(
+  cipCodes = [],
+  userZip   = '',
+  userState = '',
+  { maxDistMi = 100, limit = 10 } = {}
+) {
+  const raw = await fetchSchools(cipCodes);
+
+  let userLat=null, userLng=null;
+  if (userZip) {
+    try {
+      const geo = await clientGeocodeZip(userZip);
+      userLat = geo.lat; userLng = geo.lng;
+    } catch { /* ignore – treat as no-location user */ }
+  }
+
+  const withDist = raw.map(r => {
+    const lat = r.LATITUDE ? parseFloat(r.LATITUDE) : null;
+    const lon = r.LONGITUD ? parseFloat(r.LONGITUD) : null;
+    const dist = (userLat && userLng && lat && lon)
+      ? haversineDistance(userLat,userLng,lat,lon)
+      : null;
+    return { ...r, distance: dist };
+  });
+
+  let cand = withDist
+    .filter(s => {
+      if (s.distance===null) return true;
+      return s.distance <= maxDistMi;
+    })
+    .sort((a,b)=>{
+      const aT = parseFloat(a['In_state cost'] || Infinity);
+      const bT = parseFloat(b['In_state cost'] || Infinity);
+      return aT - bT;
+    });
+
+  /* If user said “in-state only” we can filter here – omitted for brevity */
+
+  return cand.slice(0, limit);
+}

src/utils/ipedsTuition.js

@@ -0,0 +1,223 @@
+//  src/components/LoanRepaymentDrawer.jsx
+import React, { useState, useMemo } from 'react';
+import { X } from 'lucide-react';
+import { Button } from './ui/button.js';
+import LoanRepayment from './LoanRepayment.js';
+
+/**
+ * Tiny helper so we don’t repeat className clutter.
+ */
+const Field = ({ label, children }) => (
+  <div className="mb-4">
+    <label className="block text-sm font-medium text-gray-700 mb-1">
+      {label}
+    </label>
+    {children}
+  </div>
+);
+
+export default function LoanRepaymentDrawer({ open, onClose }) {
+  /**************************************************************************
+   * 1  Drawer visibility
+   **************************************************************************/
+  if (!open) return null;
+
+  /**************************************************************************
+   * 2  Local state for the estimator form
+   **************************************************************************/
+  const [form, setForm] = useState({
+    schoolName: '',
+    programType: '',
+    annualTuition: '',
+  });
+
+  const [step, setStep] = useState(1);     // 1 = “free-money”, 2 = estimator, 3 = results
+  const [showErrors, setShowErrors] = useState(false);
+
+  // Pass-throughs for <LoanRepayment/>
+  const [calcResults, setCalcResults] = useState(null);
+  const [calcLoading, setCalcLoading] = useState(false);
+
+  const onChange = (field) => (e) =>
+    setForm((prev) => ({ ...prev, [field]: e.target.value }));
+
+  const formValid =
+    form.programType &&
+    form.annualTuition &&
+    !Number.isNaN(Number(form.annualTuition)) &&
+    Number(form.annualTuition) > 0;
+
+  /**************************************************************************
+   * 3  Derived “school object” handed to <LoanRepayment/>
+   **************************************************************************/
+  const derivedSchool = useMemo(() => {
+    if (!formValid) return null;
+
+    return {
+      // Minimal fields LoanRepayment expects
+      degreeType: form.programType,
+      // If user typed nothing → “Unknown school”
+      name: form.schoolName || 'Unknown school',
+      programLength: 4, // we can’t know; LoanRepayment falls back if it differs
+      inState: Number(form.annualTuition),
+      outOfState: Number(form.annualTuition),
+      // grad tuition duplicates – harmless for our purposes
+      inStateGraduate: Number(form.annualTuition),
+      outStateGraduate: Number(form.annualTuition),
+    };
+  }, [form, formValid]);
+
+  /**************************************************************************
+   * 4  UI
+   **************************************************************************/
+  return (
+    <div className="fixed inset-0 z-50 flex justify-end bg-black/40">
+      {/* drawer panel */}
+      <div className="h-full w-full max-w-md bg-white shadow-xl overflow-y-auto p-6 relative">
+        <button
+          onClick={onClose}
+          className="absolute top-4 right-4 text-gray-500 hover:text-gray-700"
+        >
+          <X size={20} />
+        </button>
+
+        {/* title bar */}
+        <h2 className="text-lg font-semibold mb-6 text-center">
+          Estimate Student-Loan Payments
+        </h2>
+
+        {/* ───────────────── STEP 1 – free money first ───────────────── */}
+        {step === 1 && (
+          <>
+            <p className="text-gray-700 mb-4">
+              <strong>Before you borrow:</strong>
+            </p>
+            <ul className="list-disc list-inside text-gray-600 space-y-2 mb-6">
+              <li>
+                Complete the&nbsp;
+                <a
+                  href="https://studentaid.gov/h/apply-for-aid/fafsa"
+                  target="_blank"
+                  rel="noreferrer"
+                  className="text-blue-600 underline"
+                >
+                  FAFSA
+                </a>{' '}
+                – it’s free and unlocks grants, work-study, and low-interest
+                federal loans.
+              </li>
+              <li>Search local and departmental scholarships (they add up!).</li>
+              <li>
+                Compare tuition discounts for in-state, online, or employer
+                tuition-reimbursement programs.
+              </li>
+            </ul>
+
+            <Button className="w-full" onClick={() => setStep(2)}>
+              Continue →
+            </Button>
+          </>
+        )}
+
+        {/* ───────────────── STEP 2 – quick estimator form ─────────────── */}
+        {step === 2 && (
+          <>
+            <Field label="School name (optional)">
+              <input
+                type="text"
+                value={form.schoolName}
+                onChange={onChange('schoolName')}
+                placeholder="e.g. Georgia Tech"
+                className="w-full border rounded p-2"
+              />
+            </Field>
+
+            <Field label="Degree / program type *">
+              <select
+                value={form.programType}
+                onChange={onChange('programType')}
+                className="w-full border rounded p-2 bg-white"
+              >
+                <option value="">Select…</option>
+                <option>Certificate</option>
+                <option>Associate's Degree</option>
+                <option>Bachelor's Degree</option>
+                <option>Master's Degree</option>
+                <option>First Professional Degree</option>
+                <option>Doctoral Degree</option>
+              </select>
+            </Field>
+
+            <Field label="Estimated annual tuition *">
+              <input
+                type="number"
+                value={form.annualTuition}
+                onChange={onChange('annualTuition')}
+                placeholder="USD"
+                className="w-full border rounded p-2"
+              />
+            </Field>
+
+            {showErrors && !formValid && (
+              <p className="text-red-600 text-sm mb-4">
+                Please fill in the required fields (degree type and tuition).
+              </p>
+            )}
+
+            <Button
+              className="w-full"
+              onClick={() => {
+                if (!formValid) {
+                  setShowErrors(true);
+                  return;
+                }
+                setShowErrors(false);
+                setStep(3);
+              }}
+            >
+              Estimate payments →
+            </Button>
+          </>
+        )}
+
+        {/* ───────────────── STEP 3 – results / LoanRepayment ──────────── */}
+        {step === 3 && derivedSchool && (
+          <>
+            <LoanRepayment
+              schools={[derivedSchool]}
+              salaryData={null}
+              setResults={setCalcResults}
+              setLoading={setCalcLoading}
+              setPersistedROI={() => {}}
+              programLength={4}
+            />
+
+            {calcLoading && (
+              <p className="text-sm text-gray-500 mt-4">Calculating…</p>
+            )}
+
+            {calcResults && (
+              <div className="mt-6 border-t pt-4">
+                <h3 className="font-semibold mb-2">Quick Summary</h3>
+                <pre className="whitespace-pre-wrap text-xs bg-gray-50 p-2 rounded max-h-48 overflow-auto">
+                  {JSON.stringify(calcResults, null, 2)}
+                </pre>
+              </div>
+            )}
+
+            <Button
+              variant="secondary"
+              className="mt-6 w-full"
+              onClick={() => {
+                setCalcResults(null);
+                setStep(2);
+              }}
+            >
+              ‹ Back to inputs
+            </Button>
+          </>
+        )}
+      </div>
+    </div>
+  );
+}

src/utils/tuitionCalc.js

@@ -0,0 +1,42 @@
+/*  ───────────────────────────────────
+    ONE place that owns the math
+    ─────────────────────────────────── */
+export function calcAnnualTuition({
+  ipedsRows, schoolRow,
+  programType, creditHoursPerYear,
+  inState, inDistrict,
+}) {
+  if (!ipedsRows?.length || !schoolRow || !programType) return 0;
+
+  const row   = ipedsRows.find(r => r.UNITID === schoolRow.UNITID);
+  if (!row) return 0;
+
+  const grad = [
+    "Master's Degree", "Doctoral Degree",
+    "Graduate/Professional Certificate", "First Professional Degree",
+  ].includes(programType);
+
+  const pick = (u1,u2,u3) => inDistrict ? row[u1] : inState ? row[u2] : row[u3];
+
+  const partTime = Number( grad ? pick('HRCHG5','HRCHG6','HRCHG7')
+                                : pick('HRCHG1','HRCHG2','HRCHG3') );
+  const fullTime = Number( grad ? pick('TUITION5','TUITION6','TUITION7')
+                                : pick('TUITION1','TUITION2','TUITION3') );
+
+  const ch = Number(creditHoursPerYear) || 0;
+  return (ch && ch < 24 && partTime) ? partTime * ch : fullTime;
+}
+
+export function calcProgramLength({ programType, hrsPerYear, hrsCompleted=0, hrsRequired=0 }) {
+  if (!programType || !hrsPerYear) return '0.00';
+  let need = hrsRequired;
+
+  switch (programType) {
+    case "Associate's Degree": need = 60; break;
+    case "Bachelor's Degree" : need = 120; break;
+    case "Master's Degree"   : need = 180; break;
+    case "Doctoral Degree"   : need = 240; break;
+    case "First Professional Degree": need = 180; break;
+  }
+  return ((need - hrsCompleted) / hrsPerYear).toFixed(2);
+}