hahahahaha IMI --"new sajha economist in the making" hahahahahahaa oops j/k. =========================== Now consider this an avg college grad after 4-5 years in college carries avg $20000 loan +interest Now the person who has saved 5 years of life worked 4-5 years more than college grads and saved $20000.:) ========================== hahahahaha..., as per my observations, the difference that you have estimated between a high school graduate and college grad is 298 per week. which makes it 15496 per year. so it will take just above a couple of years for a college grad to get over the loss against the high school grad during schooling. after that he will be earning some 16K more than the high school grad per year which is not bad in terms of percentage. also, if he goes for grad school the difference amount will at least double in general case. getting higher education will open more options for him as well in terms of expertise. JPT analysis gardine hahahahahhaa. Loote