import React, { useState, useEffect } from 'react';
import Modal from '../../components/ui/modal.js';
import FinancialAidWizard from '../../components/FinancialAidWizard.js';
import { useLocation } from 'react-router-dom';

const Req = () => <span className="text-red-600 ml-0.5">*</span>;

function CollegeOnboarding({ nextStep, prevStep, data, setData }) {
  // CIP / iPEDS local states
  const [schoolData, setSchoolData] = useState([]);
  const [icTuitionData, setIcTuitionData] = useState([]);
  const [schoolSuggestions, setSchoolSuggestions] = useState([]);
  const [programSuggestions, setProgramSuggestions] = useState([]);
  const [availableProgramTypes, setAvailableProgramTypes] = useState([]);
  const [schoolValid,  setSchoolValid]  = useState(false);
  const [programValid, setProgramValid] = useState(false);
  const [enrollmentDate, setEnrollmentDate] = useState(
  data.enrollment_date || ''      // carry forward if the user goes back
);
const [expectedGraduation,   setExpectedGraduation]   = useState(data.expected_graduation   || '');



  // Show/hide the financial aid wizard
  const [showAidWizard, setShowAidWizard] = useState(false);
  

  const location          = useLocation();
  const navSelectedSchoolRaw = location.state?.selectedSchool;
  const navSelectedSchool   = toSchoolName(navSelectedSchoolRaw);
  

function dehydrate(schObj) {
  if (!schObj || typeof schObj !== 'object') return null;
  /* keep only the fields you really need */
  const { INSTNM, CIPDESC, CREDDESC, ...rest } = schObj;
  return { INSTNM, CIPDESC, CREDDESC, ...rest };
}

const [selectedSchool, setSelectedSchool] = useState(() =>
  dehydrate(navSelectedSchool) ||
  dehydrate(JSON.parse(localStorage.getItem('premiumOnboardingState') || '{}'
          ).collegeData?.selectedSchool)
);

function toSchoolName(objOrStr) {
  if (!objOrStr)            return '';
  if (typeof objOrStr === 'object') return objOrStr.INSTNM || '';
  return objOrStr;                                    // already a string
}


   const infoIcon = (msg) => (
    <span
      className="ml-1 inline-flex h-4 w-4 items-center justify-center rounded-full bg-blue-500 text-white text-xs cursor-help"
      title={msg}
    >
      i
    </span>
  );

  // Destructure parent data
  const {
    college_enrollment_status = '',
    selected_school = selectedSchool,
    selected_program = '',
    program_type = '',
    academic_calendar = 'semester',
    annual_financial_aid = '',
    is_online = false,
    existing_college_debt = '',
    enrollment_date = '',
    expected_graduation = '',
    interest_rate = 5.5,
    loan_term = 10,
    extra_payment = '',
    expected_salary = '',
    is_in_state = false,
    is_in_district = false,
    loan_deferral_until_graduation = false,
    credit_hours_per_year = '',
    hours_completed = '',
    credit_hours_required = '',
    tuition_paid = '',
  } = data;

  // Local states for auto/manual logic on tuition & program length
  const [manualTuition, setManualTuition] = useState('');
  const [autoTuition, setAutoTuition] = useState(0);
  const [manualProgramLength, setManualProgramLength] = useState('');
  const [autoProgramLength, setAutoProgramLength] = useState(0);

  const inSchool = ['currently_enrolled','prospective_student']
                  .includes(college_enrollment_status);

 useEffect(() => {
  if (selectedSchool) {
  setData(prev => ({
    ...prev,
   selected_school : selectedSchool.INSTNM,
   selected_program: selectedSchool.CIPDESC || prev.selected_program,
   program_type    : selectedSchool.CREDDESC || prev.program_type
  }));
}
}, [selectedSchool, setData]);
  

useEffect(() => {
  if (data.expected_graduation && !expectedGraduation)
    setExpectedGraduation(data.expected_graduation);
}, [data.expected_graduation]);

  /**
   * handleParentFieldChange
   * If user leaves numeric fields blank, store '' in local state, not 0.
   * Only parseFloat if there's an actual numeric value.
   */
  const handleParentFieldChange = (e) => {
    const { name, value, type, checked } = e.target;
    let val = value;

    if (type === 'checkbox') {
      val = checked; 
      setData(prev => ({ ...prev, [name]: val }));
      return;
    }

    // If the user typed an empty string, store '' so they can see it's blank
    if (val.trim() === '') {
      setData(prev => ({ ...prev, [name]: '' }));
      return;
    }

    // Otherwise, parse it if it's one of the numeric fields
    if (['interest_rate', 'loan_term', 'extra_payment', 'expected_salary'].includes(name)) {
      const parsed = parseFloat(val);
      // If parse fails => store '' (or fallback to old value)
      if (isNaN(parsed)) {
        setData(prev => ({ ...prev, [name]: '' }));
      } else {
        setData(prev => ({ ...prev, [name]: parsed }));
      }
    } else if ([
      'annual_financial_aid','existing_college_debt','credit_hours_per_year',
      'hours_completed','credit_hours_required','tuition_paid'
    ].includes(name)) {
      const parsed = parseFloat(val);
      setData(prev => ({ ...prev, [name]: isNaN(parsed) ? '' : parsed }));
    } else {
      // For non-numeric or strings
      setData(prev => ({ ...prev, [name]: val }));
    }
  };

  const handleManualTuitionChange = (e) => {
    setManualTuition(e.target.value);
  };

  const handleManualProgramLengthChange = (e) => {
    setManualProgramLength(e.target.value);
  };

  // CIP data
  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
  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();
  }, []);

 useEffect(() => {
  if (college_enrollment_status !== 'prospective_student') return;

  const lenYears = Number(data.program_length || '');
  if (!enrollmentDate || !lenYears) return;

  const start = new Date(enrollmentDate);
  const est   = new Date(start.getFullYear() + lenYears, start.getMonth(), start.getDate());
  const iso   = firstOfNextMonth(est);

  setExpectedGraduation(iso);
  setData(prev => ({ ...prev, expected_graduation: iso }));
}, [college_enrollment_status, enrollmentDate, data.program_length, setData]);

  // School Name
  const handleSchoolChange = (eOrVal) => {
  const value =
    typeof eOrVal === 'string' ? eOrVal : eOrVal?.target?.value || '';
    setData(prev => ({
      ...prev,
      selected_school: value,
      selected_program: '',
      program_type: '',
      credit_hours_required: '',
    }));
    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([]);
  };

  // Program
  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('');
    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
  useEffect(() => {
    if (!icTuitionData.length) return;
    if (!selected_school || !program_type || !credit_hours_per_year) return;

    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;

    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;
    if (chpy < 24 && partTimeRate) {
      estimate = partTimeRate * chpy;
    } else {
      estimate = fullTimeTuition;
    }

    setAutoTuition(Math.round(estimate));
  }, [
    icTuitionData, selected_school, program_type,
    credit_hours_per_year, is_in_state, is_in_district, schoolData
  ]);

  // auto-calc program length
 useEffect(() => {
  if (!program_type || !credit_hours_per_year) return;

  const completed = parseInt(hours_completed, 10) || 0;
  const perYear   = parseFloat(credit_hours_per_year) || 1;

  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 = 180; break;
    case "Doctoral Degree":              required = 240; break;
    case "First Professional Degree":    required = 180; break;
    case "Graduate/Professional Certificate":
      required = parseInt(credit_hours_required, 10) || 0;
      break;
    case "Undergraduate Certificate or Diploma":
      required = parseInt(credit_hours_required, 10) || 30;   // sensible default
      break;
    default:
      required = parseInt(credit_hours_required, 10) || 0;
  }

  /* never negative */
  const remain = Math.max(0, required - completed);
  const yrs    = remain / perYear;

  setAutoProgramLength(parseFloat(yrs.toFixed(2)));
}, [
  program_type,
  hours_completed,
  credit_hours_per_year,
  credit_hours_required,
]);

/* ------------------------------------------------------------------ */
/*  Whenever the user changes enrollmentDate OR programLength          */
/*  (program_length is already in parent data), compute grad date.     */
/* ------------------------------------------------------------------ */
useEffect(() => {
  /* decide which “length” the user is looking at right now */
 const lenRaw =
    manualProgramLength.trim() !== ''
      ? manualProgramLength
      : autoProgramLength;

  const len = parseFloat(lenRaw);          // years (may be fractional)
  const startISO = pickStartDate();        // '' or yyyy‑mm‑dd
  if (!startISO || !len) return;           // nothing to do yet

  const start = new Date(startISO);
  /* naïve add – assuming program_length is years;                    *
   * adjust if you store months instead                               */
   /* 1 year = 12 months ‑‑ preserve fractions (e.g. 1.75 y = 21 m) */
  const monthsToAdd = Math.round(len * 12);

  const estGrad = new Date(start);          // clone
  estGrad.setMonth(estGrad.getMonth() + monthsToAdd);

  const gradISO = firstOfNextMonth(estGrad);

  setExpectedGraduation(gradISO);
  setData(prev => ({ ...prev, expected_graduation: gradISO }));
}, [college_enrollment_status,
    enrollmentDate,
    manualProgramLength,
    autoProgramLength,
    setData]);


  // final handleSubmit => we store chosen tuition + program_length, then move on
  const handleSubmit = () => {
    const chosenTuition = manualTuition.trim() === ''
      ? autoTuition
      : parseFloat(manualTuition);
    const chosenProgramLength = manualProgramLength.trim() === ''
      ? autoProgramLength
      : manualProgramLength;

    setData(prev => ({
      ...prev,
      tuition: chosenTuition,
      program_length: chosenProgramLength
    }));

    nextStep();
  };

  // displayedTuition / displayedProgramLength
  const displayedTuition = (manualTuition.trim() === '' ? autoTuition : manualTuition);
  const displayedProgramLength = (manualProgramLength.trim() === '' ? autoProgramLength : manualProgramLength);

  function pickStartDate() {
  if (college_enrollment_status === 'prospective_student') {
    return enrollmentDate;               // may still be ''
  }
  if (college_enrollment_status === 'currently_enrolled') {
    return firstOfNextMonth(new Date()); // today → 1st next month
  }
  return '';                             // anybody else
}

    function firstOfNextMonth(dateObj) {
  return new Date(dateObj.getFullYear(), dateObj.getMonth() + 1, 1)
           .toISOString()
           .slice(0, 10);           // yyyy‑mm‑dd
            }
    
const ready =
  (!inSchool || expectedGraduation) &&           // grad date iff in school
  selected_school && program_type;

  return (
    <div className="max-w-md mx-auto p-6 space-y-4">
      <h2 className="text-2xl font-semibold">College Details</h2>

      {(college_enrollment_status === 'currently_enrolled' ||
        college_enrollment_status === 'prospective_student') ? (
        <div className="space-y-4">
          {/* In District, In State, Online, etc. */}
          <div className="flex items-center space-x-2">
            <input
              type="checkbox"
              name="is_in_district"
              checked={is_in_district}
              onChange={handleParentFieldChange}
              className="h-4 w-4"
            />
            <label className="font-medium">In District? {infoIcon("Used by Community Colleges usually - local discounts")}</label>
          </div>

          <div className="flex items-center space-x-2">
            <input
              type="checkbox"
              name="is_in_state"
              checked={is_in_state}
              onChange={handleParentFieldChange}
              className="h-4 w-4"
            />
            <label className="font-medium">In State Tuition? {infoIcon("Students can qualify for discounted tuition if they are a resident of the same state as the college - private institutions rarely have this discounts")}</label>
          </div>

          <div className="flex items-center space-x-2">
            <input
              type="checkbox"
              name="is_online"
              checked={is_online}
              onChange={handleParentFieldChange}
              className="h-4 w-4"
            />
            <label className="font-medium">Program is Fully Online {infoIcon("Tuition rates for fully online programs are usually different than traditional")}</label>
          </div>

          <div className="flex items-center space-x-2">
            <input
              type="checkbox"
              name="loan_deferral_until_graduation"
              checked={loan_deferral_until_graduation}
              onChange={handleParentFieldChange}
              className="h-4 w-4"
            />
            <label className="font-medium">Defer Loan Payments until Graduation? {infoIcon("You can delay paying tuition loans while still in college, but they will still accrue interest during this time")}</label>
          </div>

          {/* School */}
          <div className="space-y-1">
            <label className="block font-medium">School Name* (Please select from drop-down after typing){infoIcon("Start typing and click from auto-suggest")}</label>
            <input
              name="selected_school"
              value={selected_school}
              onChange={handleSchoolChange}
              onBlur={() => {
                const ok = schoolData.some(
                  s => s.INSTNM.toLowerCase() === selected_school.toLowerCase()
                );
                setSchoolValid(ok);
                if (!ok) alert("Please pick a school from the list.");
              }}
              list="school-suggestions"
              className={`w-full border rounded p-2 ${schoolValid ? '' : 'border-red-500'}`}
              placeholder="Start typing and choose…"
            />
            <datalist id="school-suggestions">
              {schoolSuggestions.map((sch, idx) => (
                <option
                  key={idx}
                  value={sch}
                  onClick={() => handleSchoolSelect(sch)}
                />
              ))}
            </datalist>
          </div>

          <div className="space-y-1">
            <label className="block font-medium">Marjor/Program Name* (Please select from drop-down after typing){infoIcon("Search and click from auto-suggest.  If for some reason your major isn't listed, please send us a note.")}</label>
            <input
              name="selected_program"
              value={selected_program}
              onChange={handleProgramChange}
              onBlur={() => {
                const ok =
                  selected_school &&                      // need a school first
                  schoolData.some(
                    s =>
                      s.INSTNM.toLowerCase() === selected_school.toLowerCase() &&
                      s.CIPDESC.toLowerCase() === selected_program.toLowerCase()
                  );
                setProgramValid(ok);
                if (!ok) alert("Please pick a program from the list.");
              }}
              list="program-suggestions"
              className={`w-full border rounded p-2 ${programValid ? '' : 'border-red-500'}`}
              placeholder="Start typing and choose…"
            />
            <datalist id="program-suggestions">
              {programSuggestions.map((prog, idx) => (
                <option
                  key={idx}
                  value={prog}
                  onClick={() => handleProgramSelect(prog)}
                />
              ))}
            </datalist>
          </div>

          <div className="space-y-1">
            <label className="block font-medium">Degree Type* {infoIcon("What level of degree are you/will you be persuing?")}</label>
            <select
              name="program_type"
              value={program_type}
              onChange={handleProgramTypeSelect}
              className="w-full border rounded p-2"
            >
              <option value="">Select Program Type</option>
              {availableProgramTypes.map((t, i) => (
                <option key={i} value={t}>{t}</option>
              ))}
            </select>
          </div>

          {/* Academic Calendar */}
          <div className="space-y-1">
            <label className="block font-medium">Academic Calendar {infoIcon("What annual calendar type does the college operate under - pick semester if you are unsure.")}</label>
            <select
              name="academic_calendar"
              value={academic_calendar}
              onChange={handleParentFieldChange}
              className="w-full border rounded p-2"
            >
              <option value="semester">Semester</option>
              <option value="quarter">Quarter</option>
              <option value="trimester">Trimester</option>
              <option value="other">Other</option>
            </select>
          </div>

          {/* If Grad/Professional => credit_hours_required */}
          {(program_type === 'Graduate/Professional Certificate' ||
            program_type === 'First Professional Degree' ||
            program_type === 'Doctoral Degree' ||
            program_type === 'Undergraduate Certificate or Diploma'
          ) && (
            <div className="space-y-1">
              <label className="block font-medium">Credit Hours Required {infoIcon("Some Certificate, Graduate, and Professional Programs differ on number of hours required.")}</label>
              <input
                type="number"
                name="credit_hours_required"
                value={credit_hours_required}
                onChange={handleParentFieldChange}
                placeholder="e.g. 120"
                className="w-full border rounded p-2"
              />
            </div>
          )}

          <div className="space-y-1">
            <label className="block font-medium">Credit Hours Per Year {infoIcon("How many hours do you plan to take each year?  24 is usually considered full-time, but to finish a Bachelor's in 4 you need to take 30.")}</label>
            <input
              type="number"
              name="credit_hours_per_year"
              value={credit_hours_per_year}
              onChange={handleParentFieldChange}
              placeholder="e.g. 24"
              className="w-full border rounded p-2"
            />
          </div>

          {/* Tuition (auto or override) */}
          <div className="space-y-1">
            <label className="block font-medium">Yearly Tuition</label>
            <input
              type="number"
              value={displayedTuition}
              onChange={handleManualTuitionChange}
              placeholder="Leave blank to use auto-calculated, or type an override"
              className="w-full border rounded p-2"
            />
          </div>

          {/* Annual Financial Aid */}
          <div className="space-y-1">
            <label className="block font-medium">(Estimated) Annual Financial Aid {infoIcon("You usually won't know this exact value until right before you start college.  Use estimates in AptivaAI.")}</label>
            <div className="flex space-x-2">
              <input
                type="number"
                name="annual_financial_aid"
                value={annual_financial_aid}
                onChange={handleParentFieldChange}
                placeholder="e.g. 2000"
                className="w-full border rounded p-2"
              />
              <button
                type="button"
                onClick={() => setShowAidWizard(true)}
                className="bg-blue-600 text-center px-3 py-2 rounded text-white"
              >
                Need Help?
              </button>
            </div>
          </div>

          <div className="space-y-1">
            <label className="block font-medium">Existing College Loan Debt {infoIcon("If you have existing student loans, enter the value here.  Estimates are just fine here, but detailed forecasts require detailed inputs.")}</label>
            <input
              type="number"
              name="existing_college_debt"
              value={existing_college_debt}
              onChange={handleParentFieldChange}
              placeholder="e.g. 2000"
              className="w-full border rounded p-2"
            />
          </div>

          {/* Show Program Length for both "currently_enrolled" & "prospective_student" */}
          {(college_enrollment_status === 'currently_enrolled' ||
            college_enrollment_status === 'prospective_student') && (
            <div className="space-y-1">
              <label className="block font-medium">Program Length {infoIcon("How many years it will take you to complete the degree/program given the number of hours you plan to take")}</label>
              <input
                type="number"
                value={displayedProgramLength}
                onChange={handleManualProgramLengthChange}
                placeholder="Leave blank to use auto, or type an override"
                className="w-full border rounded p-2"
              />
            </div>
          )}

          {/* If currently_enrolled => hours_completed */}
          {college_enrollment_status === 'currently_enrolled' && (
            <div className="space-y-1">
              <label className="block font-medium">
                Completed Credit Hours (that count towards program completion) {infoIcon("If you have already completed some college credits that apply to the selected Program above, enter them here.  Bachelor's = 120")}
              </label>
              <input
                type="number"
                name="hours_completed"
                value={hours_completed}
                onChange={handleParentFieldChange}
                placeholder="Credit hours done"
                className="w-full border rounded p-2"
              />
            </div>
          )}

        {['currently_enrolled','prospective_student'].includes(college_enrollment_status) && (
              <>
                {/* A) Enrollment date – prospective only */}
                {college_enrollment_status === 'prospective_student' && (
                  <div className="space-y-2">
                    <label className="block font-medium">
                      Anticipated Enrollment Date <Req />
                    </label>
                    <input
                      type="date"
                      value={enrollmentDate}
                      onChange={e => {
                        setEnrollmentDate(e.target.value);
                        setData(p => ({ ...p, enrollment_date: e.target.value }));
                      }}
                      className="w-full border rounded p-2"
                      required
                    />
                  </div>
                )}

                {/* B) Expected graduation – always editable */}
                <div className="space-y-2">
                  <label className="block font-medium">
                    Expected Graduation Date <Req />
                    {college_enrollment_status === 'prospective_student' &&
                    enrollmentDate && data.program_length && (
                      <span
                        className="ml-1 cursor-help text-blue-600"
                        title="Automatically estimated from your enrollment date and program length. Adjust if needed—actual calendars vary by institution."
                      >&#9432;</span>
                    )}
                  </label>

                  <input
                    type="date"
                    value={expectedGraduation}
                    onChange={e => {
                      setExpectedGraduation(e.target.value);
                      setData(p => ({ ...p, expected_graduation: e.target.value }));
                    }}
                    className="w-full border rounded p-2"
                    required
                  />
                </div>
              </>
            )}

          <div className="space-y-1">
            <label className="block font-medium">Loan Interest Rate (%) {infoIcon("These can vary, enter the best blended rate you can approximate if you have multiple.")}</label>
            <input
              type="number"
              name="interest_rate"
              value={interest_rate}
              onChange={handleParentFieldChange}
              placeholder="e.g. 5.5"
              className="w-full border rounded p-2"
            />
          </div>

          <div className="space-y-1">
            <label className="block font-medium">Loan Term (years) {infoIcon("Education loans typically have a 10-year payback period, but can vary.")}</label>
            <input
              type="number"
              name="loan_term"
              value={loan_term}
              onChange={handleParentFieldChange}
              placeholder="e.g. 10"
              className="w-full border rounded p-2"
            />
          </div>

          <div className="space-y-1">
            <label className="block font-medium">Extra Monthly Payment {infoIcon("Extra money you plan to pay towards the loans each month.")}</label>
            <input
              type="number"
              name="extra_payment"
              value={extra_payment}
              onChange={handleParentFieldChange}
              placeholder="Optional"
              className="w-full border rounded p-2"
            />
          </div>

          <div className="space-y-1">
            <label className="block font-medium">Expected Salary After Graduation {infoIcon("If you're just starting out, expect towards the 10th percentile values for your targeted career.  Can be found using Career Explorer if needed or input later.")}</label>
            <input
              type="number"
              name="expected_salary"
              value={expected_salary}
              onChange={handleParentFieldChange}
              placeholder="e.g. 65000"
              className="w-full border rounded p-2"
            />
          </div>
        </div>
      ) : (
        <p>Not currently enrolled or prospective student. Skipping college onboarding.</p>
      )}

      <div className="pt-4">
        <button
          onClick={prevStep}
          style={{ marginRight: '1rem' }}
          className="bg-gray-200 hover:bg-gray-300 text-gray-700 font-semibold py-2 px-4 rounded"
        >
          ← Previous
        </button>
        <button
          onClick={handleSubmit}
          disabled={!ready}
          className={`py-2 px-4 rounded font-semibold
            ${ready
                ? 'bg-blue-500 hover:bg-blue-600 text-white'
                : 'bg-gray-300 text-gray-500 cursor-not-allowed'}`}
        >
          Finish Onboarding
        </button>
      </div>

      {showAidWizard && (
        <Modal onClose={() => setShowAidWizard(false)}>
          <FinancialAidWizard
            onAidEstimated={(estimate) => {
              setData(prev => ({
                ...prev,
                annual_financial_aid: estimate
              }));
            }}
            onClose={() => setShowAidWizard(false)}
          />
        </Modal>
      )}
    </div>
  );
}

export default CollegeOnboarding;