<p>The NPCs are pretty new, and I don’t think everyone knows about them yet (we regular posters out here do, of course :)). And as we also know the calculators aren’t accurate in every situation. Also, I think some students have parents who don’t want to share financial info (like how much they make) with their kids – and maybe some kids are embarrassed to ask. So the kids try to find other angles to figure it out.</p>