> I guess I believe that education has a really good ROI. Did you do a back of the napkin estimate for this? You also have to include the tuition fees and the

> I guess I believe that education has a really good ROI. Did you do a back of the napkin estimate for this? You also have to include the tuition fees and the opportunity cost of (probably) not working while you study on the debit side (thus no, i.e. lost, income). On the credit side the increased productivity/better job etc. Have you computed how many years it will take to reduce the computed debt (including opportunity cost)? I have not computed it, but I'd assume that it would take a hellish lot of time to even break even.