Base — I meet basic needs** with some effort.

• I may worry about finances but usually get by and have some expendable income*.
• I can occasionally afford extras like holidays or new items. 

** Basic needs = food, housing, healthcare, transportation

* Expendable income = money left after covering basic needs

Sustaining — I live with financial sufficiency.

• I may worry about finances but usually get by and have some expendable income*.
• I can occasionally afford extras like holidays or new items. 

** Basic needs = food, housing, healthcare, transportation

* Expendable income = money left after covering basic needs

Benefactor — I can give more to support wider access.

• I have significant expendable income* and long-term financial security.
• I can afford to give, travel, and invest in causes I care about.

** Basic needs = food, housing, healthcare, transportation

* Expendable income = money left after covering basic needs

 Reduced Fee/Scholarship — I face financial challenges.

• I sometimes struggle to meet basic needs* and have very limited expendable income*.
• I sometimes rely on assistance, have little savings, and forgo time off or purchases.

** Basic needs = food, housing, healthcare, transportation

* Expendable income = money left after covering basic needs