The Economics of College Your Name Here. 1 Fun picture here!

The Importance Of a Degree Slide 1 This slide should address the topic of why it is so important in today’s economy to have a college degree. There should be at least one image related to your topic 3-4 main points in text The rest of the text that you will be using to give the presentation will be in the notes section on the bottom of the slide. 2

The Importance Of a Degree Slide 2 This slide should address the topic of why it is so important in today’s economy to have a college degree. There should be at least one image related to your topic 3-4 main points in text The rest of the text that you will be using to give the presentation will be in the notes section on the bottom of the slide. 3

College Costs This slide should address the topic: Why costs have increased for colleges so rapidly over the last 20 years. There should be 1-2 large images, one of which should be a graph of your creation showing why the costs have changed (must show either shifts in supply or demand or movement along the demand curve.) 3-4 main points in text The rest of the text that you will be using to give the presentation will be in the notes section on the bottom of the slide. 4

Advice & Mistakes I Won’t Make This slide should address the topic: The dangers of accumulating too much student debt, advice you have received for managing debt and avoiding problems with too much debt, and mistakes you have heard about that others made that you won’t! There should be at least one image related to your topic 3-4 main points in text The rest of the text that you will be using to give the presentation will be in the notes section on the bottom of the slide. 5

Advice & Mistakes I Won’t Make slide 2 This slide should address the topic: The dangers of accumulating too much student debt, advice you have received for managing debt and avoiding problems with too much debt, and mistakes you have heard about that others made that you won’t! There should be at least one image related to your topic 3-4 main points in text The rest of the text that you will be using to give the presentation will be in the notes section on the bottom of the slide. 6

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My 3 Schools & my loans 8

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Monthly payment chart goes on this page 10

Slide about the importance of paying loans off early rather than taking a long time 11

My Career (1-2 Slides) Starting salary? 10 th % Average salary? 50 th% 3 sentences (what will you do? Why do you want to do this? One interesting fact.) Future prospects for this career (is demand for this job expected to grow? Stay the same? Shrink?) A picture or two related to your career. 12

Can I afford it? Insert your monthly budget, with your loan payment here 13 *This Budget will definitely work and I will not completely us up all my money monthly which I can use to further pay off my loans to decrease the amount. This is your 50 th % or median salary This is where you add your monthly loan payments This your total monthly expenditures. This total needs to be less than your ‘net monthly’ at the top of the column. Adjust the ‘suggested’ percentages of the other rows until it is. This is your monthly ‘net’. This is how much you take home in salary each month after taxes.

Is It Worth It? Show your ROI math here. Example: first, what would you have made without a degree? $29,000 ( Median income of High School grad in Ca.) $1,363,000 ( Life time earnings of a non-college high school grad: $29,000 X 47) My Career Salary as a __(insert career here)_ 75,000 ( your 50 th % salary ) x 42 (Your # of years working or 47-the years you will be in college) = Your Life time earnings: $3,150,000 Loan payments: $48,334 (paid over 10 years) My Return on investment= Life time earnings – your total loan payment – what you would have earned on average with a HS diploma $3,150,000(LTE) - $48,334(TLP) – $1,363,000(HS Wages) = $1,738,665 14

Lifetime earnings chart goes on this page 15 This $ will be the same for all of you, as this is the average HS salary we will be comparing to. For your Lifetime Earnings, remember that this is your 50% salary multiplied times the # of working years, without subtracting anything. Remember this is different, and larger, than your ROI.

ROI chart goes on this page 16 If all of your loan amounts are the same, than you will just have one ROI on this graph. Most of you will have 3 different ROI’s to compare though, and a few of you have at least 2.

Cost Benefit Analysis College 1 Option Text goes here and will get smaller as you type more. Pros College 2 Option Pros College 3 Option Pros 17

Cost Benefit Analysis Part 2 College 1 Option Cons College 2 Option Cons College 3 Option Cons 18

So… Tell us what you decided and why! 19

Works Cited In proper MLA format! 20