Please don't forget about living costs (room and board for the years the degree will take - 3 for a licence, 5 for a masters), and opportunity costs (you could

Please don't forget about living costs (room and board for the years the degree will take - 3 for a licence, 5 for a masters), and opportunity costs (you could have worked full-time and advanced a career). Tuition being free only reduces by a fraction the total cost of a degree.