The University of Massachusetts and nine other schools agreed in a meeting Tuesday with Vice President Joe Biden to make student financial aid award letters more transparent in a broader White House effort to contain skyrocketing college costs and reign in student debt. Starting in 2013-14, the colleges will provide all incoming students with clear, easy to digest information sheet on how much one year of college will cost; financial aid options that distinguish between grants, scholarships and loans; net costs after grants and scholarships are taken into account; and the estimated monthly payments for federal student loans upon graduation.