The WSJ article states that the post-college beginning (median) salary was $60,000, while the post-high school salary was $36,000. Assume that a student going to college will go full time and not early money for the first four years, and that a salary will start in Year 5. Conversely, a high school graduate will earn a salary starting one year from now. Also, assume that post college salaries will grow 4% per year while high school salaries will grow 3% per year. (Historically, it has been confirmed that college earners have a greater growth rate in earnings.) Further, assume that the cost of college is the average given in the article ($8,000 for tuition and fees and $11,000 for room and board per year for four years at a public university). Also, assume that the four years of costs will be financed at a 5.5% student loan rate for 10 years, and the total on student loan will accumulate interest-free; loan payments (with interest) will begin in Year 5 and end after 10 payments.