$4.$ In choosing between the two schools, Ben believes that the appropriate analysis is to calculate the future value of each option. How would you evaluate this statement?

$5.$ What initial salary would Ben need to receive to make him indifferent between attending Wilton University and staying in his current position? Assume his tax rate after graduating from Wilton University will be $31$ percent regardless of his income level.

$6.$ Suppose that instead of being able to pay cash for his MBA, Ben must borrow the money. The current borrowing rate is $5\mathrm{.}8$ percent. How would this affect his decision to get an MBA?

in regards to these questions, what would the best formula's be$?$