Family College Cost Calculator

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Children

	Child 1
What is the name of your child?
What is the age of your child?	years
What is your child's age when entering college?	years
How many years of college will the child attend?	years

Existing Investments

What is the dollar amount already invested for college savings?	$
What is the expected return on investment?	%

Please note that college costs used in this calculator are based on data from the Annual Survey of Colleges of the College Board and Data Base, 2009-2010. Copyright 2009 College Entrance Examination Board. All Rights Reserved. See also, www.collegeboard.com.

For the purposes of this calculator, college costs include tuition, fees, room & board, books & supplies, and other fees, as supplied to the College Board from the institutions. The average costs are based on two and four year, public and private colleges for each state and nationally. There are different kinds of institutions in each region, and because of this, there may be a large variation in the actual costs for specific institutions.

This calculator assumes that overall college costs will increase by 5% per year. The impact of inflation on higher education expenses is uncertain and the rate of inflation could exceed the rate of return on your investments. This calculator allows you to enter your expected rate of return for a more accurate estimate of the investment amount required to fund your college costs. You should choose a conservative expected rate of return. The hypothetical annual rate of return was provided by you.

The calculation results are estimates based on the information you have provided. To help understand and use the calculation output effectively, please note the following items:

This calculation is for hypothetical purposes only. The information entered may vary from actual individual circumstances. The calculation relies on certain assumptions in addition to the information you provided and does not guarantee future performance of any investment option. John Hancock will not be liable for any damages arising from the use or misuse of this calculator or from any errors or omission in the same.
Any calculation does not take into account the costs or fees associated with (1) transferring assets between the accounts, (2) the differences in the rate of return on investments within the account, or (3) investing in the Plan (i.e. annual account fees).
This calculator allows you to enter your expected rate of return. For a more accurate estimate of the investment required to fund your college costs, you should choose a conservative expected rate of return on your investments. It should be noted that this calculator assumes that the child can be admitted to any college and that the savings goals depicted by the calculator are an estimate based on certain assumptions and cannot guarantee that sufficient money will be saved.
State income tax rules on how withdrawals are handled may vary. The calculator results do not take into account any state tax issues.

John Hancock Freedom 529 is distributed by John Hancock Distributors LLC, which is an affiliate of John Hancock Funds LLC, the distributor of John Hancock Funds.

If your state or your designated Beneficiary's state offers a 529 plan you may want to consider what, if any, potential state income tax or other benefits it offers, before investing. State tax or other benefits should be one of many factors to be considered prior to making an investment decision. Please consult with your financial, tax or other advisor about how these state benefits, if any, may apply to your specific circumstances. You may also contact your state 529 plan or any other 529 college savings plan to learn more about their features. Please contact your financial consultant or call 1-866-222-7498 to obtain a Plan Disclosure Document or prospectus for any of the underlying funds. The Plan Disclosure Document contains complete details on investment objectives, risks, fees, charges and expenses, as well as more information about municipal fund securities and the underlying investment companies that should be considered before investing. Please read the Plan Disclosure Document carefully prior to investing.

John Hancock Freedom 529 is a college savings plan offered by the Education Trust of Alaska, managed by T. Rowe Price, and distributed by John Hancock Distributors LLC through other broker/dealers that have a selling agreement with John Hancock Distributors LLC. John Hancock Distributors LLC is a member of FINRA, and is listed with the Municipal Securities Rulemaking Board (MSRB). © 2010. John Hancock. All rights reserved.

529 plans are not FDIC insured, may lose value and are not bank or state guaranteed.

Click here to view the John Hancock Freedom 529 Privacy Policy.

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