To use our calculator, you may accept the defaults, based on a middle income USA family, or fill in your own annual values or change the beginning and ending years. Then click on Calculate. You may change any values and recalculate as often as you wish. Low income families actual costs paid by the family is about 60 percent less, though the actual cost is only about 30 percent less. High income families actual costs are about 50 percent higher, though they often spend as much as 200 percent more.
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