I think it’s the difference between going and not going. So if you make 100 without college, you’d have made 113 with it. And I don’t know if loan repayments

I think it’s the difference between going and not going. So if you make 100 without college, you’d have made 113 with it. And I don’t know if loan repayments are factored in. It could be that college educated individuals wind up with 13% more wealth than similarly situated non-degreed individuals