Halloween is coming up in a few short days, and with the box-office battle between Paranormal Activity and Saw VI, there’s no shortage of chills and thrills in sight. So imagine my surprise when I found that the real terror comes from the seemingly tame College Board and its college cost calculator.

WARNING! THE INFORMATION BELOW IS NOT FOR THE FAINT OF HEART.

Here’s how the calculator works. Let’s say you are gearing up to go to a private college in two years. Plug in the average cost of tuition for a public or private college, along with the rate of inflation, how many years you plan to attend the school, the percent of tuition you will finance from your savings, and how many years you have before you enroll. Then click “calculate.” Try not to scream.

We already know that college tuition costs are climbing, but when you are faced with actual numbers, it can be downright frightening. A friend of mine recently had a baby, and just for kicks, I decided to find out what kind of tuition bill that tiny little newborn would face 18 years from now. The future cost is close to $90,000 a year at a private institution. Creepy.

Try it yourself . . . if you dare.

I hear that the producers of Paranormal Activity are already planning a sequel, but really, they could save the time and trouble by just directing viewers to the College Board’s calculator. Seriously—there’s a reason they call it sticker shock.

The good news is that students rarely pay the full price colleges demand. Scholarships, grants, and loans all help to make the finances more manageable. And just as the oblivious people in horror movies are not alone in their homes, you’re not alone in your struggle to fund your college degree.

College finances giving you nightmares? The CollegeBound Network can help you figure it all out.

–Barbara Bellesi