Could you please calculate the NPV. I always get the wrong answer.

Tom now considers getting a two-year graduate degree - Tuition is $10,000 per year payable at the beginning of each year - Tom assumes he gets a job right upon graduation. The expected job pays a sign-on bonus of $10,000 immediately when he starts the job and then a salary (paid at the end of each year) of $104.000. Tom expects the salary to grow by 3.5% every year and still wants to retire 37 years from now. - Does it pay to get the degree (discount rate=4%)