Nearly two dozen private colleges are offering an online tool that factors in need-based grants and scholarships to estimate students' actual costs.

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CIT’s Platinum Savings account pays 3.85% APY on balances of $5,000 or more. If your balance dips below $5,000, it earns a paltry 0.25% APY. If you tend to carry high balances — at least $5,000 — this ...