Systems and methods are provided for education planning. One method embodiment includes collecting information associated with a cost of obtaining an education and information associated with funding the cost, determining an amount to be financed by using the information associated with the cost and the information associated with funding the cost, and providing a payment plan for financing the amount to be financed, the payment plan including a levelized payment (L) to be made at a number of intervals for a repayment term, wherein the levelized payment is determined by using a net present value (V) associated with more than one funding event over the course of an education program.