Every way to pay less for college, ranked by what your time is worth.
Scholarships, aid filings, housing, insurance and finishing sooner. KILO ranks them for your family and sends this week's steps.
Neo's family · example · next 14 days
- 1
Waive campus health insurance
Morpheus · 0.5 h · Fri 11
$0–$2,400$0–$4,800/h - 2
Apply to be a Resident Assistant
Morpheus · 10 h · Tue 15
$0–$11,500$0–$1,200/h - 3
HCF Common Scholarship Application
Trinity · 9 h · Sun 20
$0–$6,000$0–$670/h
How it works
- 01
Answer a few questions
School, year, major, state and a few family facts for each student. About a minute, one question at a time. No documents.
- 02
KILO ranks every lever
Scholarships, aid filings, housing, insurance and graduation timing, each with a value range, the hours it takes and what an hour of your time is worth.
- 03
This week's steps arrive
A short weekly email and calendar entries tell each person what to do next. Parents and students work from the same plan.
The calendar
Every date, for everyone, in one place.
Each step lands on one family calendar, marked with who it's for. Subscribe once and the dates show up in the calendar you already use.
- Deadline
- Target
- Decide by
- Results expected
- Estimated date
- Morpheus · 1st student
- Trinity · 2nd student
- Neo · parent, on shared steps
December 2026
Neo's family · exampleDecember 2026
ExampleShow earlier · 1 done
Check the family health plan covers care near Alder State
Ask two teachers for recommendation letters
Waive campus health insurance
11:59 PM HSTApply to be a Resident Assistant for 2027–28
Alder State Resident Assistant application
HCF: request your transcript
Marlow Biology Scholarship: department application
Marlow Biology Scholarship
5:00 PM HSTTake a summer term instead of spring?
HCF: draft the personal statement
Ridgeview College early action decision
File the 2027–28 FAFSA and check the Submission Summary
4:00 PM HSTWhat counts
Scholarships are one lever. There are usually more.
Example ranges per lever for one student and one year. Your family's ranges depend on your school and situation.
- Scholarships
- Local, departmental and common applications
- $0–$6,000
- Aid filings
- FAFSA and state grants, filed before the dates that matter
- $0–$5,800
- Finishing sooner
- A summer term that replaces a regular one
- $0–$14,000
- Housing
- Resident Assistant roles, before signing a lease
- $0–$11,500
- Insurance
- Waiving campus coverage when the family plan works
- $0–$2,400
Where it comes from
KILO started with one Hawaii family: two sons, one college bill, and more deadlines than anyone could track. In Hawaiian, kilo means to watch closely and read the signs early. That's what it does for your family.
Privacy and control
No Social Security numbers, FSA IDs, tax records or bank logins.
KILO never asks for them. Filings stay on the official sites; KILO tells you when and why.
Students decide on their own opportunities.
Parents can suggest and talk it through. Pursuing or passing is the student's call.
Nothing goes to a school or counselor unless your family chooses.
Sharing is off unless your family turns it on.
See your family's ranked list.
For Hawaii families, for now.