A study by the New York Federal Reserve Bank concludes that an engineering bachelor's degree generates approximately a 15% return on investment over the course of a decade. Suppose the typical engineering student spends $15,000 per year for four years on his/her education. Assume a 15% increase in the student debt during the period of time while the student is in college. What extra annual return (in dollars) does the typical student realize during the 10 years following graduation